vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX individual trying to complete the Individualized Review Process ( IRP ) related to the Bank of America prepaid debit card. I experienced financial harm when I could not access funds on my prepaid card, and I submitted my IRP request as instructed. 

I have already filed a complaint with the CFPB previously and provided supporting documentation. I am not sure what more Bank of America could possibly need from me. Im being told my request is on hold, and Im now being asked to submit more documentation but I have not been clearly informed about what exactly is missing or required. 

The process is extremely difficult for me to navigate due to my XXXX, including severe learning XXXX. I am having a very hard time completing these steps on my own. This process is inaccessible, and the fact that there is a strict time limit to resubmit documents makes it even more unfair and stressful. As a XXXX XXXX, it is unreasonable to expect me to keep fighting for years just to get what is already rightfully owed. 

I have already spent more than XXXX years trying to get Bank of America to take responsibility for the harm Ive suffered. Every claim I made was found in my favor, which means the bank was at fault and is responsible for compensating me. Instead, I am now being made to go through more stress, confusion, and hardship just to be heard again. This is not just unfair its inhumane. 

I am asking for help from the CFPB to make Bank of America and the IRP administrators provide accommodations under the Americans with XXXX XXXX ( XXXX ), and to treat XXXX individuals with respect and fairness. I need someone to help me with the IRP process, and I need an accessible way to complete it. 

Please help make sure Bank of America is held accountable and that Im not left alone to fight this any longer.

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 2025-05-16 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently became aware that Equifax was sued by the Consumer Financial Protection Bureau ( CFPB ) and ordered to pay {$15.00} XXXX for failing to properly handle consumer disputes. This serves as my formal notice of dispute regarding the accounts listed below. I have provided clear evidence demonstrating that the information being reported is inaccurate which constitutes a violation of the FCRA. I should not receive stall letters, not should I be sent generic verification responses especially when the inaccurate data is being " verified '' digitally through automated systems without any actual investigation or manual review, and based solely on what the original furnisher provided XXXX the first place, the very party reporting the errors. I respectfully request that you conduct a thorough investigation as required by law, rather then rely on the automated or incomplete process. 

Unauthorized opened accounts included in FTC REPORT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent off letters to XXXX XXXX and Transunion on the date of XX/XX/year> letting them know that I understand every right I have under USCB and Section 605B of the FCRA. Please block the following accounts that are crippling my consumer reports as I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. These are all the accounts that were listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX I sent letters out to each bureau.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent off letters to XXXX, Equifax, and XXXX  on the date of XX/XX/year> letting them know that I understand every right I have under USCB and Section 605B of the FCRA. Please block the following accounts that are crippling my consumer reports as I do not recognize, nor am I responsible for, nor have I received any money or goods from the creation of these unknown accounts. These are all the accounts that were listed KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX I sent letters out to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$21000.00} Account No XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays bank Delaware this bank is using my social security my name for a long on a mortgage or something and I need this to be taken care of because this is not me I did not file for this

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a prepaid phone plan from XXXX. The phone was locked and I returned it. I was issued a second prepaid phone and plan, one that I current possess. Since this time XXXX has continued to hound me about owing them for a phone bill. There is NO way that a phone bill on a prepaid plan would continue to increase when no payment is being made. Additionally, I paid the initial ( first month 's ) fee when I received the phone that did not work, and after returning that phone to XXXX, I am under no additional obligation to know what they have done with it or the prepaid plan. I have not even been able to use the phone! No One at XXXX or their credit collection agency has enough sense to simply look that this is a prepaid plan, and billing it to a customer month after month makes no sense. Additionally, the phone was returned to XXXX who is responsible for it and the plan as they are an agent of XXXX. So, if someone is running up some bill since the phone was returned, that is not my problem even though this is a prepaid phone and must be PAID for before each months ' use. The accumulated bill for several months is a scam by either XXXX or their agent XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$6200.00}

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 non-monetary relief
Consumer complaint received 2025-05-16 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This report is being reported in regards to the credit reporting institution Equifax taking it upon themselves to exploit false fraudulent information to financial institutions and paralyzed my perfect credit. The credit information they have been distributing is a fraudulent account and charges supplied by XXXX XXXX  using my personal private information caused by a fraudulent security breach. 

Equifax exercised excessive negligence in distributing this fraud under my credit score paralyzing my ability to use my hard earned credit score for financial need for over eleven months.

This is blatant negligence as apparently Equifax doesnt have in place safeguards to protect to protect my financial wellbeing.

The fraudulent credit report that Equifax has been deploying against my credit has forced me to postpone my sons college for a year as this distribution of fraud in my name blocked me from my credit that was going to be used for my sons education. Also caused me dangerous levels of stress and anxiety forcing me to seek medical attention and medications to control severe health conditions, canceled family vacations and created many financial hardships in the past XXXX months. 

Equifax has distributed fraud in my name for ten months resulting in fraud, failure to protect and safeguard my personal information in a responsible manner, distortion and illegal and careless business practices as this account was not created by myself. 

This has been a blatant excessive example of careless negligence in regards to not putting safeguards in place to prevent distributing fraudulent activity under my personal information. 

I and my legal counsel are perusing financial restitution for creating health issues and financial distress to me and my family for almost a year with no regard to what putting false credit information out to the financial sector could do to a person and their family. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm asking the CFPB to step in because Experian continues to report an XXXX account ( XXXX ) on my credit file, even though TransUnion and Equifax are not reporting this on my credit report. That raises serious concerns about how Experian is verifying this account and whether theyre following the law. This is a clear violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. If the other two major bureaus dont have this account, how can Experian justify keeping it?

I also never gave written authorization to have this account reported in the first place, which makes this a violation of 15 U.S.C. 1681b ( Permissible Purpose ). Under the FCRA, no account should be included in my report unless I have knowingly and specifically consented to it, and I didnt. This is a direct violation of my right to privacy under 15 U.S.C. 1681a ( 4 ).

Whats even more frustrating is that Experian hasnt provided any certification or documentation to prove the accuracy of this information, which is required under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) when an item is disputed. I believe this is careless and unacceptable, especially because this account is negatively affecting me, its stopping me from getting a loan I need for my business, and making it harder to find stable housing for my family. This is my first official complaint to CFPB about this issue, but Ive already tried to get Experian to remove it. At this point, Im tired of being ignored and just want this handled properly.

I am demanding that this account be immediately deleted from my report. Its presence is damaging my credit, blocking me from getting a loan to keep my business afloat, and stopping me from securing housing for my family. At this point, Experians actions show willful and negligent noncompliance with the FCRA, and under 15 U.S.C. 1681n and 1681o, I may seek {$1000.00} statutory, actual, and punitive damages, plus attorneys fees.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this follow-up complaint to address the ongoing inaccuracies regarding the collection and charge-off account reported on my Equifax credit report. Specifically, the account in question is XXXX XXXX ( Account XXXX : XXXX ) with a balance of {$470.00}. Despite previous disputes, this account remains incorrectly reported, indicating a potential violation of my rights under 15 U.S.C. 1681i, which mandates a thorough and reasonable reinvestigation of disputed items. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's failure to conduct proper investigations into disputed information, as required under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ). This includes allegations of conducting sham investigations, which further calls into question the accuracy and integrity of this reported account. This ongoing error has caused significant harm to my credit profile, leading to financial setbacks and undue stress.

Company response to consumer: Closed with explanation