vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XX/XX/XXXX, we received a promotional mailer from Bank of America offering {$4600.00} at 0 % APR until XX/XX/XXXX. My wife visited a branch, and was told multiple times by a BoA employee that we would not pay any interest or fees on this amount for 12 months even if we didnt make payments during that time. We accepted based on that understanding. 

Instead, the transaction was processed as a cash advance on our credit card, with immediate fees and interest triggered on our monthly purchases. We were never told that using the card during the promotional period would cause interest to accrue on purchases even if we paid them off. 

We submitted a written complaint to BoA. They responded only by telling us to call customer service. On that call ( recorded ), a supervisor admitted that bank staff likely misled us, saying : " Bank personnel may not have all the correct information. '' " They may have misled you but not intentionally. '' " We cant fix what happened only explain it now. '' We've now paid hundreds in interest, and have been misled for 7 months despite calling and visiting multiple times. We simply want BoA to : Acknowledge the product was misrepresented Reverse the cash advance fees and purchase interest Reclassify this into a 0 % loan as promised We have full documentation, statements, the mailer, and recordings.

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 monetary relief
Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
I am filling this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-05-19 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: NV

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-05-18 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: TN

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-05-18 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 filling a complaint because my creditors is reporting late payments on report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have dispute this directly with the credits bureaux and the furniture but the late payments remain without proper validation or documentation under 15usc 168s 8 a furniture must be report accurate information under 15usc 1881I ht credit bureaux must perform a reasonable investigation within 30days neither of them have provide sufficient evidence to support the negative reporting.But keep reporting without no updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
I filling a complaint because my creditors is reporting late payments on report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have dispute this directly with the credits bureaux and the furniture but the late payments remain without proper validation or documentation under 15usc 168s 8 a furniture must be report accurate information under 15usc 1881I ht credit bureaux must perform a reasonable investigation within 30days neither of them have provide sufficient evidence to support the negative reporting.But keep reporting without no updates.

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 2025-05-18 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are fraudulent and unauthorized accounts on my report and the credit bureaus should not be neglecting the accuracy of my report this is a defamation of character and lack of integrity please remove the following accounts immediately : 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 2025-05-18 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: GA

Complaint narrative:
I was affected by the several data breaches and is have been violated as consumer that knows their rights per 15 usc 1681g FCRA law. Due to the breach there are fraudulent and unauthorized accounts on my report and the credit bureaus should not be neglecting the accuracy of my report this is a defamation of character and lack of integrity please remove the following accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX contacted TD Bank on the behalf dispute regarding funds that was compromised from my checkings account I contacted them soon as they have failed me as a consumer to resolve this matter in a proper manner. I have filed a FTC report as well as contacting the local department. I am reaching out to the Federal reserve department as well regarding these matters. As a consumer, this financial banking institution has yet to resolve. This matter matters that I am having issues with fraud that has transpired in their institution, banking institution. I am reaching out for an assistance on getting these situation resolve quickly upon the bank doing a thorough investigation or providing any documentations approved approve that these transactions has been done on my behalf. I have requested this all documentations approved. I have not yet to receive any documentations or any personal information of showing any denial letters as well. They stated that they sent them out and I have yet to receive it. I have been having issues with the online banking as well as address was not updated on my account. It was inaccurate. I have been having issues with the district apartment on communication as well as looking thoroughly into the issues of my account being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Credit Card Account XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern, I am submitting this letter as a formal dispute regarding a credit card account reported by XXXX XXXX XXXX Bank on my consumer credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby demand the immediate deletion of this account from all records and consumer reporting agencies. 

Upon review of the information being reported, I have identified material concerns regarding the accuracy, completeness, and verifiability of the data associated with this account. Federal consumer protection law requires that all information furnished to consumer reporting agencies must be accurate, complete, and fully substantiated. I demand that this record be deleted in its entirety and that all relevant credit bureaus be immediately notified of its removal. Please consider this a direct and formal request for deletion under the FCRA and FDCPA. 

I respectfully request that the CFPB take all appropriate action to ensure my consumer rights are protected and that XXXX XXXXXXXX XXXX XXXX reporting practices comply with all applicable federal statutes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Credit Card Account XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern, I am submitting this letter as a formal dispute regarding a credit card account reported by XXXX XXXX XXXX Bank on my consumer credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby demand the immediate deletion of this account from all records and consumer reporting agencies. 

Upon review of the information being reported, I have identified material concerns regarding the accuracy, completeness, and verifiability of the data associated with this account. Federal consumer protection law requires that all information furnished to consumer reporting agencies must be accurate, complete, and fully substantiated. I demand that this record be deleted in its entirety and that all relevant credit bureaus be immediately notified of its removal. Please consider this a direct and formal request for deletion under the FCRA and FDCPA. 

I respectfully request that the CFPB take all appropriate action to ensure my consumer rights are protected and that XXXX XXXXXXXX XXXX XXXX reporting practices comply with all applicable federal statutes. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-18 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: CA

Complaint narrative:
Equifax reported wrongly, and they reduced my credit score by XXXX points unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner Company RE : Request for Account Information Not a Dispute To Whom It May Concern, I am writing regarding the account referenced under my name. I want to clarify that I am not disputing this debt at this time. However, I am requesting some additional information for my records and understanding of the accounts status.

Please provide the following details : 1. Date of first delinquency 2. Date of last payment 3. Date of charge-off 4. Chain of assignment ( including the names and dates of all previous owners of the account ) This request is made pursuant to my rights under applicable consumer protection laws. I kindly ask that you respond in writing with the information listed above.

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts - Identity Theft Victim Pursuant to 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally notify Equifax that I am a victim of identity theft, which I believe is connected to the Equifax data breach. As a result, unauthorized accounts have been opened or used in my name without my consent. 
Pursuant to XXXX XXXX. XXXX ( a ), I request that all accounts and information related to this identity theft be blocked and permanently deleted from my credit file. In accordance with this law, consumer reporting agencies are required to block such information within four business days of receiving : Page 1The following accounts were not opened or authorized by me and should be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These accounts are fraudulent and not associated with any legitimate transaction I made. 

Creditor : XXXX XXXX Account Number : XXXX * High Balance : {$3500.00} Page 1 Balance Owed : {$3500.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Seriously past due/ Assigned to attorney, collection agency, or internal collection department Closed Date : XX/XX/XXXX Creditor Type : Bulk Purchase Finance Account Description : Individual Original Creditor : XXXX XXXX I did not authorize this account, nor was it opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-18 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: CA

Complaint narrative:
I recently received a copy of my credit report and several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-18 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One erroneously pulled my credit in XX/XX/year> without my permission. They gave me a credit limit increase without my permission and prior to do doing so placed a hard inquiry on my credit report. Requesting hard inquiry be removed immediately.

Company response to consumer: Closed with explanation