vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I got an email notifying me I can't travel outside of the United States and maintain my bank accounts at EverBank. I spend roughly 3 months a year traveling on business in XXXX and the rest of my time living in the United States. I talked to the customer service to be exempt from this new policy and they refuse to do it. 

Below is what was in this email. 

Updating Section 1, Introduction, to specify that EverBank products and services are designed, offered and intended for use only by persons physically residing in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
These comments are provided to the best of my documentation and recollection : On XXXX XX/XX/year>, I accidentally sent a duplicate payment of {$11000.00} to Bank of America ( BoA ) to pay off my credit card ; my account balance prior to this payment was {$0.00}. 

On XXXX XX/XX/year>, I called BoA customer service to have them refund me the credit balance of {$11000.00} ; there was no option to do this on the website. I asked that they refund the balance to my bank account and provided them with my bank account information. 

On XXXX XX/XX/year>, I called BoA for a status update. I was asked to confirm that I was disputing something on my account because that is what was initiated. I corrected the representative and said that I wanted a refund of the credit balance, not to dispute anything, and to send the refund via ACH to my bank account. I was explicit about not wanting a check to be mailed. 

On XXXX XX/XX/year>, I called BoA for a status update and was told to give it more time. 

On XXXX XX/XX/year>, I called BoA for a status update and was told the refund would be issued shortly. I confirmed my bank account information. 

On XXXX XX/XX/year>, I called BoA for a status update and was informed that a check had already been issued and mailed. I told the representative I did not want a check and wanted the refund transferred directly to my bank account. They said they would cancel the check and start the process for an ACH transfer to my bank account. They also said they filed a complaint on my behalf. 

As of XXXX XX/XX/year>, I have not received any funds from BoA- neither in the form of a check ( which BoA claimed they already mailed ) nor an electronic funds transfer.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have a few store credit cards that have payments made actually none late for over a year and more. Both store cards ( XXXX, XXXX, XXXX  ). 

XXXX. XXXX -closed the account without knowledge and payments are made XXXX. XXXX - card is paid monthly ( don't use ) and not late and reporting negative on my XXXX XXXX. XXXX paid monthly and don't use and also reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: MN

Complaint narrative:
On Thursday XXXX, and today XX/XX/year> this collector contacted my father and left XXXX voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federal Credit Union Checking & Savings Accounts Issue : Unlawful Account Closure, Credit Discrimination, Fiduciary Misconduct Navy Federal Credit Union closed my checking and savings accounts without justification, citing a discharged debt and improperly linking different accounts to restrict my access to funds. The debt had already been legally settled per Public Law 73-10, 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), 50 U.S.C. 5118 ( b ) ( 2 ), and UCC 3-402. NFCU is obstructing commerce in violation of 15 U.S.C. 1 and failed to disclose its role as a fiduciary, which is a breach of trust law. Additionally, they violated 15 U.S.C. 7001 ( UETA Act ) by refusing to recognize digital financial agreements. I demand my accounts be restored, new debit cards issued, and my rights as a grantor, beneficiary, and surety be honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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:
There was an information breach by XXXX XXXX and my personal information was accessed illegally.

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 2025-03-11 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>. I was applying for a Captial One credit card. I was approved for a captial one quicksilver credit card. I didn't accept the offer. 30 minute 's later I applied again to accept the Captial One quicksilver offer but they did not approve me. Instead I got a Hard inquiries point on my Credit Report. I am now disputing this hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX  XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$81.00} Charged off XXXX XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$630.00} Charged off XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$1500.00} {$0.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Balance : {$1500.00} Collection XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$410.00} Collection XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection Inquiries in Dispute : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$100.00} Charged off XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$780.00} Charged off XXXX  XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$500.00} Charged off XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00} Charged off XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF EDXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed DEPT OF ED/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file

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 2025-03-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have not provided me with the correct information and I have asked to have this removed from my credit as the balances are inaccurate. I have disputed several times and they refuse to take these off my 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 non-monetary relief
Consumer complaint received 2025-03-11 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: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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