vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed out of {$890.00} using XXXX through my Bank of America account. I was approached in person in XXXX XXXX by two men in a XXXX who claimed to be installers wrapping up a luxury job. They offered to sell me an extra boxed speaker system XXXX XXXX XXXX and used urgency and social engineering to gain my trust. One introduced himself as XXXX and gave me a number ( XXXX ), telling me to reach out for drinks next weekend. He never responded. 

I paid them through XXXX. The recipient initially appeared as XXXX XXXX ( XXXX ). However, shortly after my original fraud claim was denied, I noticed that the same XXXX transaction now shows a completely different name : XXXX XXXX ( XXXX ). This change happened after my claim was submitted, which strongly indicates fraudulent intent and deception. 

I contacted Bank of America again with this new information, requesting that my claim be escalated or reconsidered. Despite this, I received a second denial letter, which ignored the XXXX identity change and stated only that the transaction followed my instructions. 

This is not a case of mistaken payment I was clearly defrauded by someone actively switching XXXX identities to avoid detection. I also found the original number linked to a XXXX page for XXXX XXXX, which may be a front. The website for XXXX XXXX ( XXXX  ) appears fake and tied to a known scam called the white van speaker scam. 

Ive reported this incident to the FBI ( IC3 ), FTC ( Report # XXXX ), and I am preparing to file a police report. I have full documentation, including screenshots of both recipient names and contact numbers, the denial letters from BoA, and XXXX confirmation ID : XXXX. 

I respectfully request that the CFPB prompt Bank of America to reopen and properly investigate this case, taking into account the clear signs of fraud, the recipient 's identity switch, and the pattern of deception involved.

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A company that identified itself as XXXX XXXX charged me {$800.00}. Service fee. It was not XXXX XXXX, instead it was a person with a XXXX mailing address. I realized immediately that day that they were a fraud. I called XXXX XXXX, and their customer service told me the charge was not posted and that I needed to do nothing further. I asked about closing the account in order to not pay this fraudulent charge and the customer service agent said there was no need. I reiterated my concern and she repeated that there was no need to cancel the card. Subsequently I have been charged this amount in my bill with XXXX claiming I received services. This is absolutely false.

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 2025-06-16 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-16 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:
This letter serves as a follow-up to a prior written request regarding the accuracy and completeness of personal identifying information contained in my consumer credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies have a legal obligation to maintain maximum possible accuracy of the information they furnish and to ensure all data reported is fair, impartial, and respects the privacy rights of the consumer. The Consumer Financial Protection Bureau ( CFPB ) emphasizes that consumers have the right to dispute and request the correction or deletion of inaccurate, unverifiable, or outdated personal information.

In accordance with these rights, I am formally requesting the immediate removal of all personally identifiable information from my credit report with the exception of the following : 1. Full Legal Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX NC XXXX XXXX. Current Phone Number : ( XXXX ) XXXX All other listed addresses and phone numbers are outdated, unverifiable, and not associated with my current residence or identity. I do not receive mail at any previously listed locations, and continued reporting of such information may constitute a violation of my rights under the FCRA.

Furthermore, I request : The deletion of any employer information, as it is inaccurate and no longer applicable.

The suppression or redaction of my full Social Security number and date of birth from being publicly displayed on any portion of my credit file, in alignment with federal privacy protections. 

As a consumer protected under the FCRA, I am exercising my legal right to request correction of inaccurate personal information. Failure to reasonably investigate and respond to this dispute in a timely and compliant manner may result in further action, including the filing of a complaint with the CFPB.

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 2025-06-16 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: WA

Complaint narrative:
I bought a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from a dealership and XXXX XXXX fund it for 5 years. On XX/XX/XXXX should be my last payment. 
The vehicle engine broke, cylinder block get cracked on XXXX  and there was no reason to fix it. The monthly payment i did not stopped never! Each month funded company was getting a payment on XXXX of each month. A few month ago, the vehicle was moved to auction and was sold, which is ok with me for {$3800.00}. So lender, deducted {$3800.00} from my account balance and rest of the loan they sent to collection and of course with lowering my credit score from XXXX to XXXX!? And same time, lender was receiving a money, each month of XXXX as a payment for the vehicle. 

A week ago i payed off for my loan. 

Is this normal situation between loaners and lender?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
Block and Delete Fraudulent Accounts under 15 USC 1681c-2 ( a )

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 2025-06-16 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-16 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:
The account is closed and paid in full, but its still showing late payments and derogatory marks that are not accurate. 
I am disputing this information because under the Fair Credit Reporting Act, all information on a credit report must be accurate and verifiable. 
The company is no longer able to verify these late payments on a closed account. 
I am requesting that these derogatory marks be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
. I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while damaging my creditworthiness and financial standing. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these unauthorized items on my report constitutes a serious violation of my consumer rights and has created substantial hardship in my personal and financial affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-06-16 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
not my accounts, asked for them to provide proof this is my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
We bought a new care from XXXXXXXX XXXX XXXX dealership in XXXX South Carolina. We were going to leave but the kept pestering us to get the car. The lease is through Santander Consumer USA. The intrest was at 28 % and its now sitting at 26.85 %. We need help dealing with them because they won't listen to us and its ruing our credit. They need to be held accountable for predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TN

Complaint narrative:
I am writing to formally dispute an inaccurate and outdated account that continues to appear on my Experian credit report, despite a previous dispute submission. 
The item in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Reported Balance : {$0.00} This account is reporting with a {$0.00} balance, yet it is still marked derogatory and negatively impacting my credit standing. This suggests either incomplete or unverifiable data is being maintained. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full reinvestigation of this account. If Experian can not verify the accuracy of this listing with original source documentation from the furnisher, it must be promptly removed or corrected. Additionally, the failure to provide proper notice of re-verification after a prior dispute may constitute a violation of FCRA 1681i ( a ) ( 5 ) ( B ), which requires prompt consumer notification upon reinsertion or continued reporting of previously challenged data. I have received no such notification.

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