vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. 
However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$9400.00} XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX pursuant to written authorization, against BANK OF AMERICA for willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). The furnisher has reported multiple and conflicting versions of the same mortgage account across national credit bureaus, each containing contradictory remarks such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Account Information Disputed by Consumer, while also displaying inconsistent payment percentages of 68 %, 96 %, and 98 % for the same account number and balance. This duplicative and misleading reporting materially distorts the consumers credit standing and violates the furnishers duty under FCRA 623 ( a ) ( 1 ) ( A ) to furnish accurate and complete information, as well as FCRA 623 ( a ) ( 8 ) and Regulation V ( 12 C.F.R. 1022.43 ) requiring a reasonable investigation upon notice of dispute. Despite a formal written dispute sent on XX/XX/year>, the furnisher has failed to correct, verify, or reconcile the discrepancies within the statutory timeframe and continues to furnish inaccurate data, demonstrating gross negligence and noncompliance. The consumer, through their authorized representative, demands that the CFPB compel BANK OF AMERICA to immediately remove all duplicate or inconsistent tradelines, update remarks to accurately reflect a current and satisfactory account status, provide written verification of corrections, and implement remedial measures to ensure compliance with FCRA and FCBA provisions. Continued failure to comply warrants regulatory sanctions, enforcement actions, and referral for civil liability under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
BANK OF AMERICA 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 2025-11-10 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XXXX i was notified about 3 Charge offs on my XXXX  credit report. This Company is named AFFIRM. 
They alledge that on XXXX i charged items on 3 different accounts and they were charged-off the same day. I never ordered a thing as I don't use them. This is a serious problem that points to Identify Theft and possibly Corporate fraud and conspiracy. XXXX  needs to ensure safety measures are in place to protect the public from companies who report dubious information and use reports as their dumping grounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I was a victim of identity theft & a scam in the amount of {$1400.00}. I visited the XXXX XXXX XXXX  for my account & closed the fraud account & opened another account. I gave all the information I had. My social security check was deposited into the fraud account ( {$1000.00} ). I had already contacted the SSA to change my account information information, but it still was deposited into the wrong account. I contacted Truist repeatedly & explained the error & received no assistance & was told something different every single time I called by staff answering the phones & multiple supervisors. No one has ever contacted me regarding the fraud claim. I have always initiated the calls. They are still investigating only because I contacted the CEO & demanded answers after doing nothing. They still have my social security check for {$1000.00} which has nothing to do with this fraud claim & refuse to deposit it into my active account. If it was put in the right account to begin with they never would have had anything to do with it, but because it was put in the wrong account they think they get to keep it. I have never heard from anyone at this bank. They have left me without food, no way to pay my bills & no way to get my son his medication y keeping money that was accidentally deposited into the wrong account.

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 2025-11-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Total past due for this account is {$160.00}, with {$80.00} being late fees. Representative stated there is nothing available since I was not enrolled in the credit protection program. Advised they could only waive the late fee, but I would still have to pay the remaining overdue balance. He then stated the other option would be that I should receive a statement to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im unable to dispute a item on my credit file and Im getting few errors messages saying its temporary down and Im unable remove the freeze and the fraud alerts and Im unable to dispute any items on my credit report and keep getting errors after XXXX on my Experian membership account Im unable to see my credit score. Please fix Ive bee. Asking yall to fix this before

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 2025-11-10 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: TN

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-10 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XXXX, my former landlord, XXXX XXXX Apartments, filed an eviction case against me for alleged non-payment of rent from XXXX XXXX. The eviction appeal trial was originally scheduled for XX/XX/XXXX. The landlord also filed a Motion for Summary Judgment, claiming I failed to respond to discovery. 

With the assistance of the XXXX XXXX XXXX XXXX, I filed a Motion for Extension of Time, which the court granted on XX/XX/XXXX. I submitted the required discovery responses before the extended deadline. The trial was rescheduled to XX/XX/XXXX. 

Prior to the trial, I vacated the property and returned the keys on XX/XX/XXXX. The landlord dismissed the eviction case on XX/XX/XXXX. Despite this dismissal, National Credit Systems has continued to report inaccurate information about this eviction and the alleged unpaid rent to credit bureaus. I have also received repeated collection communications from them, even though the debt and eviction were legally resolved. 

I am submitting this complaint because the reporting is false and inaccurate, and the continued collection attempts constitute harassment. I request that all inaccurate information be removed from my credit report and that the companies cease further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 am requesting that the following items on my TransUnion credit report be reviewed and corrected. These accounts may not be accurately reported, and I believe that a thorough investigation is necessary under the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the accounts I am disputing : CHARGED OFF : 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 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 non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-11-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: DISCOVER BANK
State: IL

Complaint narrative:
There has been multiple late payments reported for multiple accounts. I have never been late for any of the accounts listed below. To report this information, documentation should be presented showing proof these accounts were reported correctly. If you can not supply this documentation, deletion of all alleged late payments from my credit report per 15 U.S.C 1681b. 
Inaccurate Accounts Reported XXXX XXXX XXXX  - XXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
There has been multiple late payments reported for multiple accounts. I have never been late for any of the accounts listed below. To report this information, documentation should be presented showing proof these accounts were reported correctly. If you can not supply this documentation, deletion of all alleged late payments from my credit report per 15 U.S.C 1681b. 
Inaccurate Accounts Reported XXXX XXXX XXXX  - XXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Late Payment Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Experian Information Solutions Inc.
State: TX

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.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-10 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
b'I am filing this complaint because Columbia Debt Recovery LLC (d/b/a Genesis Credit Management) violated the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) by continuing to furnish credit information and update an alleged debt during an active validation period.\nOn XXXX XXXX XXXX I mailed a written dispute and validation request directly to Columbia Debt Recovery regarding an alleged account appearing on my credit reports.\nUSPS Certified Mail tracking XXXX XXXX XXXX XXXX XXXX XXXX confirms delivery on XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXnOnce a consumer disputes a debt in writing, FDCPA  809(b) (15 U.S.C.  1692g(b)) requires the collector to cease all collection activityincluding furnishing or updating information to credit bureausuntil verification is mailed. Despite receiving my dispute, Columbia Debt Recovery continued to furnish and update the alleged account on XXXX XXXX XXXX during the validation period.\nThe company later issued a validation of debt letter dated XXXX XXXX XXXX  and postmarked XXXX XXXX XXXX, confirming they were aware of my dispute but had already furnished data to XXXX XXXX XXXX before sending validation.\nBy continuing to report the debt before mailing verification, Columbia Debt Recovery violated both FDCPA  809(b) and FCRA  623(a)(3). I am requesting that the alleged account be permanently deleted from all credit bureaus and that Columbia Debt Recovery provide written confirmation of compliance mailed to my address on file.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: DE

Complaint narrative:
I'm filing a complaint regarding a Discover debit card transaction that I attempted to dispute. On XX/XX/2025 a charge for {$42.00} was made to XXXX Farms. This was an authorized purchase made using my Discover debit card. 

The product was received but it arrived covered in mold and was unsafe for use or consumption. I contacted the merchant, provided photos and video evidence, but they did not provide a refund or replacement ; they didn't even respond to the 3 individual emails that I sent.

When I reached out to Discover to dispute the transaction, I was told that they could not process the dispute because it " violates Regulation E ''. This is not accurate - I am not reporting fraud or unauthorized transactions. I am reporting a merchant issue involving defective and unsafe goods, which should be reviewed under Discover 's merchant dispute process.

I am requesting that Discover properly investigate this transaction, contact the merchant for a response, and refund me if the merchant can not show that the goods were safe and as described. I have also sought legal options for the wasted time and practically stealing my hard earned money. I'm so relived to no longer work for this bank and deal with it's shady practices.

Company response to consumer: Closed with explanation