vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW Financial Services reported a XXXX late payment for XX/XX/year>. However, their online portal shows a fixed due date of the XXXX of each month, even for XXXX. Relying on that, I attempted to pay on XX/XX/XXXX, but their system returned an error. 

It was not clear whether the payment had been processed, and the portal gave no indication that the XXXX balance remained unpaid. Upon realizing it hadnt posted, I retried and successfully paid on XX/XX/XXXX, still believing I was within the expected due window. 

BMW then reported the payment as 30 days late. I submitted a formal dispute with screenshots showing both the XXXX of each month due date display and the failed XX/XX/XXXX payment attempt. BMW refused to remove the late mark. 

This single entry caused my credit score to drop into the XXXX, and led to the closure of a XXXX XXXX XXXX account with a {$2800.00} limit. Ive maintained a clean history otherwise and enrolled in auto-pay immediately after. 

Under the Fair Credit Reporting Act, furnishers must ensure reporting is not just accurate but not misleading in context. BMWs fixed due date display, failed payment system, and lack of warning emails misrepresented my payment intent and created a false delinquency. 

I respectfully request that this mark be removed and the account be updated to reflect paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} 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 : {$690.00} Inquiries XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My identification has been mixed up with my deceased father 's information. There are things I see on my credit report that don't belong to me.

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 2025-06-02 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: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Misleading Terms Regarding Annual Fee and Welcome Bonus I applied online for an American Express Gold Card in XX/XX/2025, based on a promotional offer that included XXXX Membership Rewards points as a welcome bonus. Additionally, the customer agreement I received with the card clearly stated that the annual fee was None. 

However, I was later charged a {$320.00} annual fee, and Amex only offered XXXX points as the welcome bonus. I contacted Amex customer service multiple times, but they denied the issue and refused to send a resolution email or written explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 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 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 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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
After the incident, XXXX attempted to bill me {$300.00} and sending it to IC Systems for collection. IC Systems falsely reported an original balance exceeding {$600000.00} to XXXX XXXX XXXX XXXX. My formal disputes were denied, and the agency refused to provide documentation. Months later, XXXX acknowledged the error, blamed the collection agency, and offered to cancel the {$300.00} debt in exchange for a liability release. 

This error caused serious XXXX XXXX. My XXXX XXXX XXXX  from the high XXXX to the low XXXX, leading to denial of a car refinance, a XXXX XXXX loan, and forced reliance on credit repair and monitoring services. The collection agencys false reporting and XXXX delay in resolving the issue have had lasting consequences.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am now filing a formal complaint because XXXX has failed to provide adequate proof or respond with validation, and continues to negatively affect my credit profile. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and possibly the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Subject : Complaint Regarding Unverified and Improperly Collected Debt Re : Request for Investigation and Removal Under Federal Law To Whom It May Concern, I am writing to formally file a complaint and request immediate investigation regarding an alleged debt being reported or collected against me, which I assert has not been legally verified in accordance with federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of any debt allegedly owed. This includes, but is not limited to : Proof of Ownership of the alleged debt by the party attempting to collect or report it.

A signed flow agreement between the original creditor and the current party claiming the right to collect.

Chain of Assignment and Transfer, including all legal documents showing how the debt was sold or transferred.

A Bill of Sale or Purchase Agreement that specifically identifies my alleged debt.

As required by 15 U.S.C. 1692g ( b ) : " If the consumer notifies the debt collector in writing ... that the debt, or any portion thereof, is disputed... the debt collector shall cease collection ... until the debt collector obtains verification of the debt or a copy of a judgment, and a copy of such verification or judgment is mailed to the consumer. '' Despite requests, no such legal documentation has been provided. This failure to comply violates federal law and renders continued collection and reporting unlawful, inaccurate, misleading, and deceptive under 15 U.S.C. 1692e, which prohibits : Any false, deceptive, or misleading representation or means in connection with the collection of any debt.

In addition, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate information and demand that unverifiable accounts be deleted from my consumer report. 

The reporting and collection of any debt that can not be legally verified and validated constitutes : A violation of consumer rights, An act of unfair or deceptive practice, and A violation of due process under federal consumer protection laws. 

I am requesting that the Consumer Financial Protection Bureau intervene immediately and take the following actions : Investigate the involved party ( debt collector and/or original creditor ) for failure to provide verification and documentation. 

Ensure the immediate removal of the unverifiable debt from all consumer reporting agencies. 

Require the entity to cease all collection activity and to provide proof of compliance with federal law. 

Please attach this letter to my formal complaint record and notify me of the status and resolution. I am including a list of the specific accounts involved ( attached ), along with any responsesor lack thereofI have received from the debt collector or credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I check my credit reporting with Experian XXXX  and XXXX  and compared it to the information that was on XXXX information and noticed it was duplicate accounts with the same date I've sent numerous of letters to all the companies and it remained on my credit report until President Trump signed the order the accounts are old and i never made one payment but XXXX is falsely putting the accounts are update and current. I've sent letters to all the credit bureaus and XXXX about these accounts that i don't have any knowledge about and hasn't received a response only what's owed {$710000.00} plus and no one can explain how all accounts are old and was affecting my credit for years

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 2025-06-02 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: IN

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Please delete and block the following accounts from my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00}

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 2025-06-02 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: IN

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Please delete and block the following accounts from my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery Assoc LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On XX/XX/XXXX Representative contacted my husband who is not an authorized representative in any way of my finances. 
The representative XXXX : Identified themselves as being from Portfolio and calling looking for myself XXXX : Disclosed to him, whom the debt was from XXXX : Stated the alleged Balance owed of XXXX, last payment of {$40.00} date of XX/XX/XXXX XXXX : And informed this third party ( my husband ) of a alleged judgment against me on XXXX XXXX Proceeded to try to collect the debt from my husband, no contact ever made with myself nor did I ever give permission either in writing or verbally to discuss this with a third party I sent an email on my husbands behalf to Portfolio and they responded with a very formal letter that " Portfolio and representatives are not authorized to communicate with XXXX parties without the appropriate authorization. For Further assistance, please forward signed authorization from the referenced party, or they can contact XXXX via phone XXXX to provide Verbal Authorization '' Signed by a XXXX XXXX XXXX. 
This email was a direct admission that my rights were violated in first contact with XXXX XXXX ( My husband ) on XX/XX/XXXX at XXXX I contacted Portfolio with the guidance of attorney from XXXX, as we are a United States XXXX XXXX and requested by certified mail, that was notarized a formal complaint and that I was ready to pursue legally action as my right if Immediate cessation of activity related to this account was not halted, full internal investigation into unauthorized disclosure, acknowledgement of breach of privacy account closed and collection ceased and copy of alleged judgement including Court name, case number, and proof that I was served -- if such judgement exist All of this is a violation of my rights under the FDCPA specifically 15 U.S.C s1692c ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I would like all of my late payments removed immediately that involves this student loan account with Nelnet. This is not the original company I worked with during this time. Most importantly this information was removed and now has reappeared on to my consumer report.

Company response to consumer: Closed with explanation