vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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 am filing this complaint against Experian and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ). 

Over the past two months, I have submitted multiple disputes to Experian regarding an inaccurate and misleading account reported by XXXX XXXX XXXX ( account # XXXX ). Despite repeated disputes, Experian continues to mark the account as verified without providing any meaningful reinvestigation or dispute resolution. 

I was informed by an Experian representative that they were waiting on a response from the furnisher ( XXXX ), but the only thing received was a routine monthly update, not a dispute response. Experian falsely treated this update as verification. 

The account reflects impossible and contradictory payment patterns, including a 90-day delinquency followed by a 30-day delinquency, inconsistent reporting of ND ( no data ) months followed by charge-offs, and continued monthly charge-off activity on a closed account with a {$0.00} balance. These facts alone demonstrate inaccurate and unlawful reporting under FCRA 607 ( b ) and 611.

This has resulted in loan denials, significant credit score damage, and ongoing financial and emotional stress. I am demanding the immediate and permanent deletion of this account and request regulatory intervention.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Received letter from original creditor stating this was found to not be my obligation or responsibility. They were supposed to remove from my credit report instead it was sold to a collection company who has now sent me a letter stating it's my responsibility to resolve this dept. Now they both have this on my credit report from both companies, the original creditor and the collection company... Listed twice for the same amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TN

Complaint narrative:
SEE SCREENSHOT ON MY EXPERIAN ACCOUNT, THEY ARE SAYING I HAVE HAD AT LEAST ONE NEW DELINQUENCY ON MY ACCOUNTS THAT IS HURTING MY SCORE. THIS IS A LIE. I HAVE HAD NONE ON MY ACCOUNT SINCE XX/XX/year>, SEE SCREENSHOT AS OF XX/XX/year>, THERE HAVE BEEN NO DELINQUENCIES, NO LATE FEES, NO COLLECTIONS, NOR ANY CHARGE-OFFS ON ANY OF MY OPEN OR CLOSED ACCOUNTS. THE ACCOUNTS THAT DO SHOW NEGATIVE INFORMATION WERE ALL INCLUDED IN THE BANKRUPTCY OF XX/XX/year> WITH A DISCHARGE DATE OF XX/XX/year>. 

THEY SHOULD CORRECT WHAT IS ON THE ATTACHED SCREENSHOT WHEN IT COMES TO THE SCORING OF MY CREDIT SCORE, OR I WILL FILE MY LAW SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXX * * * * * * )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. There are numerous errors on my credit report that I can no longer overlook. These inaccuracies are negatively affecting both my life and my credit score, preventing me from achieving financial stability and freedom.

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 2025-07-24 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: VA

Complaint narrative:
What happened was that these inaccurate accounts, unauthorized inquiries, and incorrect personal informations are still on my credit report even though I have already submitted a dispute with the credit bureaus before. I am requesting for a thorough investigation on these items as this is deeply concerning and they have been affecting my credit worthiness. I have attached supporting documentation for your review. The inaccurate accounts appearing on my report are associated with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized inquiries that are on my credit report would be from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Lastly , there are also some incorrect personal information which would be the employers and previous addresses listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
Reason for Dispute : This XXXX XXXX XXXX account ( and related duplicates ) are reporting inaccurately and in violation of several sections of the Fair Credit Reporting Act.

The account is charged off but is still being updated monthly as if it's active FCRA 623 ( a ) ( 1 ) ( A ) The Date of First Delinquency ( DOFD ) appears to have been re-aged or misrepresented FCRA 623 ( a ) ( 5 ) Reporting continued charge-off status through XXXX on a XXXX account likely exceeds the 7-year limit FCRA 605 ( c ) There are also potential duplicate accounts, unfairly inflating my debt load FCRA 602 ( 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reason for Dispute : This XXXX XXXX XXXX account ( and related duplicates ) are reporting inaccurately and in violation of several sections of the Fair Credit Reporting Act.

The account is charged off but is still being updated monthly as if it's active FCRA 623 ( a ) ( 1 ) ( A ) The Date of First Delinquency ( DOFD ) appears to have been re-aged or misrepresented FCRA 623 ( a ) ( 5 ) Reporting continued charge-off status through 2025 on a 2019 account likely exceeds the 7-year limit FCRA 605 ( c ) There are also potential duplicate accounts, unfairly inflating my debt load FCRA 602 ( 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 non-monetary relief
Consumer complaint received 2025-07-24 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:
I am exercising my right to dispute the following accounts and request the removal or correction of any items that can not be verified with complete accuracy and legally permissible documentation.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and have discovered multiple fraudulent accounts and unauthorized inquiries on my credit report. I did not authorize or open any of the accounts listed in my FTC Identity Theft Report. Despite providing the required documentation, the credit reporting agencies and creditors have not removed the fraudulent information. I am requesting that the CFPB intervene to ensure my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B, are enforced and that all fraudulent data is blocked and deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANCO POPULAR DE PUERTO RICO
State: IL

Complaint narrative:
Hello, I'm writing to complain about XXXX XXXX XXXX lack of maturity notice for maturing certificate deposit. I have a 18-month CD account with XXXX XXXX via their XXXX XXXX platform. The CD expired on XX/XX/year>. I intended to close the account, however, I didn't receive a maturity notice from XXXX XXXX as a reminder so it slipped my mind. When I contacted XXXX XXXX Customer Service XXXX on XX/XX/XXXX at XXXX CT, I was told my CD account had been auto-renewed and once it was past the maturity date, closing the account would incur over {$8000.00} penalty ( this turns out to be false information as there's 10-day grace period past the maturity date to make changes ). 

When I asked about the maturity notice, the explanation I received was XXXX XXXX  didn't mail me the maturity notice because I opted out of paper mails, and XXXX XXXX simply doesn't email customers maturity notice due to their policy, therefore it was my responsibility to keep track of the CD maturity dates and manage properly.

I find such explanation inacceptable. XXXX XXXX  not only violates the CD maturity notice requirements by not proactively notifying the consumer but also unfairly puts the blame on the consumer who is joggling between work and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am refiling this complaint due to new information and unresolved procedural failures by Bank of America.

I disputed two fraudulent credit card charges totaling {$6700.00}, connected to a larger scam operation involving impersonation of licensed attorneys and fake companies. While Bank of America initially issued a provisional credit, it was reversed without proper written notice or opportunity for rebuttal. This is a clear violation of Regulation Z ( 12 CFR 1026.13 ).

During a recorded call with the BoA claims team, I was informed that the denial letter was sent to my CPA. I never authorized this, and my CPA has confirmed in writing that she never received it. I never received any denial or opportunity to appeal. This also violates the Gramm-Leach-Bliley Act ( GLBA ) regarding unauthorized third-party disclosure of sensitive financial correspondence.

I have requested a review of the recorded call where BoA admits misdirecting the denial. That call was never produced.

I have now filed an OCC complaint and submitted evidence to the FTC and USPTO OED, showing the recipients used impersonated attorney identities and VoIP masking to conduct fraud.

Bank of America claims I authorized the transactions, but the payments were induced through deception and legal impersonation which meets the federal definition of fraud.

I respectfully request CFPB assistance in reopening or escalating this case. The final denial was issued under improper procedure and violates both federal regulations and customer privacy standards.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This company is saying that I owe {$590.00} the account is not mine, I never took it out. Now it is damaging my credit. I would have no problem paying it if it was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: UT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00}

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 2025-07-24 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief