vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} INQUIRIES : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I notified the credit bureaus that I am a victim of identity theft in XX/XX/year> and XXXX XXXX the XXXX XXXX account on my credit report is not mine. I never paid a settle to anyone. and ive never had an account with them. therefore that makes this a fraudulent account or some type of error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Bounce AI Account Number : XXXX Upon reviewing my credit reports from the major credit bureaus ( XXXX XXXX and XXXX ), I noticed several inconsistencies and potential inaccuracies associated with the above-referenced account.

Here is what i sent to XXXX  after seeing this information. I am writing to formally dispute certain inconsistencies I have identified regarding a charge off account currently reported by your agency on my credit reports. As a consumer who is diligent about maintaining accurate and fair credit records, I
request a thorough review of the account in question and the resolution of the discrepancies outlined. If found inaccurate i would like for the collection account to be closed and completely removed from my credit profile.

I attached a document to my dispute that i sent to XXXX  about the inaccuracies Bounce AI i believe reviewed my dispute and i believe they also found the inaccuracies that i pointed out and they closed the collection account which i am greatful for.

However I asked that the account completely be removed from my credit profile which it is not.

This account is negatively affecting my credit profile, and I would love for it to get removed completely. I am complaining to the CFPB that the inaccurate account is still on my credit profile. as well as the derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently, I looked at a copy of my credit. The report I noticed several inaccuracies on my account. These accounts are is hurting my ability to obtain credit.

It's my understanding that the credit bureaus will investigate these accounts for me to ensure accuracy here are the accounts I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX. 
XXXX XXXX : # XXXX, XXXX. 
XXXX XXXX : # XXXX. 
XXXX : # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canno furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX. 
XXXX XXXX : # XXXX, XXXX. 
XXXX XXXX : # XXXX. 
XXXX : # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canno furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/2024 Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXXXXXX XXXX XXXXXXXX - XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was opened on XX/XX/XXXX and officially closed on XX/XX/XXXX with a {$0.00} balance and a {$2400.00} credit limit. It was included in a XXXX  XXXX bankruptcy, as shown in the remarks section. However, the payment history shows : No late payments ( XXXX ) No amount past due No worst payment status A final payment was made as recently as XX/XX/XXXX Despite these facts, the account is inaccurately flagged with remarks stating : " Dispute resolvedconsumer disagrees '' and " Dispute resolvedsubscriber disagrees '' This implies there was a dispute or disagreement that still affects the credit file even though the account shows clean payment history, no delinquencies, and was discharged through a lawful bankruptcy process.

The continued inclusion of these remarks is both misleading and punitive. The Fair Credit Reporting Act requires consumer reporting agencies to ensure maximum possible accuracy of the data reported ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am requesting a formal correction and reinvestigation regarding the Synchrony XXXX XXXX account reported under SYNCBXXXX and closed on XX/XX/XXXX. 

This account was opened on XX/XX/XXXX, with a limit of {$500.00}. For over four years, I responsibly managed the account, consistently making payments. The reported data shows no 30-, 60-, or 90-day late payments, a {$0.00} balance, and no charge-off or collection status at the time it was closed.

This card was closed during my XXXX  XXXX bankruptcy filingnot because of nonpayment, delinquency, or defaultbut as part of a broader financial reorganization strategy. Synchrony Bank did not report any financial loss or write-off related to this account.

Despite the above, the credit file includes a remark stating XXXX  XXXX bankruptcy, which creates an unfair and misleading perception of the account history. Including this languagedespite the account being in good standing, current, and paid in fullis inaccurate and punitive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several billing and reporting errors that are currently impacting my credit standing. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are legally obligated to accurately apply payments and correct any billing inaccuracies in a timely manner.

However, I have identified the following issues : Payments I made were not properly credited.

There are clear miscalculations in reported balances.

I was not provided with the required 21-day advance notice before payment due dates, which invalidates any late payment marks under federal law.

These violations have led to inaccurate negative reporting on my credit profile, which is both harmful and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Under FCRA, if a deleted item is reinserted, the consumer must be notified in writing within 5 business days of the reinsertion. I have not received any such notice from Experian, nor have I been provided with any documentation verifying the accounts accuracy or justification for the reinsertion. This failure to notify me is unlawful and has caused harm to my creditworthiness.

This account 's reappearance without validation or warning is unjust and places an unfair burden on me as a consumer. I request that this matter be investigated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I went into Bank of America and deposited a check into my savings. I wanted the check into my XXXX however, the banker insisted that I deposit the money into the new savings. A hold was placed and partial funds were set to be released XX/XX/XXXX and remain funds to be released XX/XX/XXXX. However later on in the day an extended hold was placed on my check and no funds would be released until XX/XX/XXXX. This is a hold that a BOA rep had to have placed. Had I known an extended hold would be placed I would have insisted the money be put into my est. XXXX where all other deposits normally go. I called the bank and after sitting on hold for over 30 minutes I spoke to a nice lady who was doing her best to help me but was unable to. I asked for a manager to escalate the issue and try to get the extended hold removed. After transferring me to the manager XXXX out of the VA location instead of helping me XXXX hung up on me. She never had any interest in helping me. This hold was manually placed and instead of doing the research and removing the hold I was hung up on! BOA has removed extended holds for MANY clients especially their wealth clients. But they dont provide white glove service to normal folks! This is a violation of funds availability act and bias on boas part by removing holds for a select group and for the friends they want. I was scheduled to pay my funds for my new home on XX/XX/XXXX and now my money isnt available because Bank of America wanted to be a POS bank as usual. I will sue the B-O-A out of Bank of America if on Monday XX/XX/XXXX anything stops me from getting my new house!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account was fraudulently hacked XX/XX/year>. My checking account was digitally chase card was copied and used to make it look like the charges came from the same device. In which they made 3 charges in different states : XXXX  for {$49.00} in California XXXX XXXX for {$90.00} in North Carolina XXXX in North Carolina for {$150.00} in North Carolina The one thing that makes clear that this is fraud, is that its in two different states, North Carolina and California in one day while I live in Florida and have NEVER been to these locations. I pointed this out with chase and yet they still pin the charges on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft and have previously notified XXXX that my personal information was used without my authorization in connection with a vehicle I do not own or recognize. Despite my prior communication and submission of my FTC Identity Theft Report and police report, I continue to receive vehicle service reminders and recall notices related to a XXXX vehicle that I did not purchase, lease, or authorize.

The communications are being sent to an older email address that is still active. I have no affiliation with this vehicle and have taken multiple steps to dispute any fraudulent use of my identity.

This ongoing contact is a violation of my consumer rights under the Fair Credit Reporting Act and represents a failure to investigate or act on my previous notice.

I have attached my FTC identity theft report, police report, and documentation of prior contact with XXXX.

Company response to consumer: Closed with explanation