vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and inconsistent information being reported by Credit Bureaus : TransUnion / Experian / Equifax on my credit report. I have already disputed these inaccuracies directly with the credit bureaus, but they have failed to correct or remove the information in question. 

The disputed accounts include : XXXX. XXXX XXXX This account was sold to XXXX XXXX XXXX but is still being reported as charged-off by XXXX. Additionally, the reported high balances and last payment dates vary significantly between credit bureaus : Inconsistent high credit amount : TransUnion/Experian show {$14000.00}, but Equifax reports {$11000.00}, Different last reported dates : Varying by over 3 years ( XX/XX/XXXX vs. XX/XX/XXXX ), Sold to XXXX XXXX but still showing as active/charged-off by original creditor on some reports, XXXX balance still listed as derogatory a violation if its been sold and paid, Different charge-off dates and comments across bureaus signal outdated or inaccurate info. 


XXXX. XXXX XXXX XXXX This collection account appears to be a duplicate of the XXXX  account and results in double-reporting of the same debt : This appears to be the same debt as the XXXX  account already charged-off and sold, now reported by XXXX double reporting of a single debt. Comment says customer disagrees this means a prior dispute already was filed. The dispute hasnt been resolved fairly. 

XXXX. XXXX XXXX XXXX The account is marked as paid/closed, but there are inconsistent balances and reporting dates. Payment history inaccurately reflects late payment : All three show paid/closed, but was paid off early disputing accuracy of balance history, Past due history not accurately reflected. 

XXXX. XXXX XXXX XXXX XXXX Experian reports a 30-day late payment while TransUnion and Equifax report the account as current. All accounts list {$0.00} balance and are closed, requesting removal as obsolete or settled. 

I have attached proof of identity and credit report excerpts. These errors are negatively affecting my credit profile and causing financial harm. 

I request that the CFPB review these accounts and compel the credit bureaus and/or furnishers to investigate properly, provide evidence of the alleged debts, and remove any unverifiable or incorrect entries per the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 filing a formal complaint regarding inaccurate and inconsistent information being reported by Credit Bureaus : TransUnion / Experian / Equifax on my credit report. I have already disputed these inaccuracies directly with the credit bureaus, but they have failed to correct or remove the information in question. 

The disputed accounts include : XXXX. XXXX XXXX This account was sold to XXXX XXXX XXXX but is still being reported as charged-off by XXXX. Additionally, the reported high balances and last payment dates vary significantly between credit bureaus : Inconsistent high credit amount : TransUnion/Experian show {$14000.00}, but Equifax reports {$11000.00}, Different last reported dates : Varying by over 3 years ( XX/XX/XXXX vs. XX/XX/XXXX ), Sold to XXXX XXXX but still showing as active/charged-off by original creditor on some reports, XXXX balance still listed as derogatory a violation if its been sold and paid, Different charge-off dates and comments across bureaus signal outdated or inaccurate info. 


XXXX. XXXX XXXX XXXX This collection account appears to be a duplicate of the XXXX  account and results in double-reporting of the same debt : This appears to be the same debt as the XXXX  account already charged-off and sold, now reported by XXXX double reporting of a single debt. Comment says customer disagrees this means a prior dispute already was filed. The dispute hasnt been resolved fairly. 

XXXX. XXXX XXXX XXXX The account is marked as paid/closed, but there are inconsistent balances and reporting dates. Payment history inaccurately reflects late payment : All three show paid/closed, but was paid off early disputing accuracy of balance history, Past due history not accurately reflected. 

XXXX. XXXX XXXX XXXX XXXX Experian reports a 30-day late payment while TransUnion and Equifax report the account as current. All accounts list {$0.00} balance and are closed, requesting removal as obsolete or settled. 

I have attached proof of identity and credit report excerpts. These errors are negatively affecting my credit profile and causing financial harm. 

I request that the CFPB review these accounts and compel the credit bureaus and/or furnishers to investigate properly, provide evidence of the alleged debts, and remove any unverifiable or incorrect entries per the Fair Credit Reporting Act ( FCRA ).

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ny XXXX XXXX XXXX XX/XX/XXXX Early Warning Services , LLC Attn : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX to remove accounts from Credit Consumers Dear Early Warnings I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX XXXX XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : XXXX XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXXXXXX  Close Date : XX/XX/XXXXXXXX  As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 


Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 


Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MD

Complaint narrative:
Reached out to credit bureau in hopes to have debt removal process started as account has been paid in full after successful negotiation with collections agency. I am attempting to purchase a home in the next 12 months hence I have escalated this matter as I would like this negative to be removed from 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 explanation
Consumer complaint received 2025-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries have no knowledge of here are the inquiries that I've found CAPITAL ONE BANK USA XX/XX/year> and XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: EdFinancial Services
State: OH

Complaint narrative:
ED financial continues to report old negative payment history on my student loan that was forgiven in XX/XX/XXXX effective XX/XX/XXXX. I disputed the information several times and they keep updating the same information. It is my understanding that ED Financial is not suppose to report payment histories on student loans that have been forgiven through the student loan forgiveness program under the BidenXXXX administration . ED financial has continued to report the same old negative payment history from the payments I missed on my at that time, XXXX XXXX XXXX student loan during the pandemic when the payments were supposed to be on a pause in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sunbit, Inc.
State: IL

Complaint narrative:
My twin used my information for a credit card, the company name sunbit.which I never heard of .. I contacted sunbit and they gave me a number to the dentist office in XXXX XXXX where my sister used the credit card at, I called the dentist office and she yes someone came in with a card requesting service and she said, call the credit bureau and dispute it off my credit report and ask the representative-to remove it and I did several timesXXXX XXXX  moved it off my credit report but XXXX hasnt removed it yet, and Im not understanding this. its messing up my credit score that Im constantly trying to fixits not mines, I can send you all a picture of my mouth, I do not have {$6200.00} worth of work done to my mouth. I have a medical card I get work done for freefirst it was {$4400.00} now its {$6200.00} its really aggravating that I have to keep calling XXXX to remove itITS FRAUD ITS NOT MINES FOR THE HUNDREDTH TIME PLEASE REMOVE IT IM TRYING TO GET MY CREDIT TOGETHER, THANK YOU VERY MUCH put yourself in my shoes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
Experian failed to conduct a reasonable reinvestigation into multiple disputes I submitted via certified mail. All accounts were verified using an automated system ( e-OSCAR ) without reviewing the Metro 2 compliance violations I identified. I have attached a formal complaint letter and evidence screenshots for review.

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 2025-05-17 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: Self Financial Inc.
State: MI

Complaint narrative:
Hello, I submit a monthly report of my payments but not all of them are correct, all phone numbers, addresses and all other information in the report are not correct. I do not have debts or loans, I have only XXXX accounts, bank and credit. Self did not report the correct and complete information and I will send pictures. Payments over the past XXXX  months were not fully reported, and I have questions that I do not know anything about. 

Note : Thank you for your service and effort. I am very proud of you and your dealings are welcome. Dealing with you is easy and I pray for you that He protects and blesses you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a call from someone from CfPb explaining that someone was using my SS # and applying for a bunch of loans and credit on my report. I went and looked and see almost XXXX inquiries. I did not do these. I asked to have them removed from all 3 credit bureaus. I told them it was inaccurate reporting and fraud. I have asked several times to look into it but nobody has andvit is hurting my personal credit. I work hard to keep my score up. This is unacceptable.

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 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America On XX/XX/XXXX around XXXX XXXX I deposited a payroll check. I received an email that the payroll check went through the next day. The bank put in a deposit and then they minus the deposit they stated that there were no images on the check or blurry. The next day I chat it was a specialist on the Bank of America app. She told me to re-deposit the check. I re-deposited the check on the XXXX at XXXX XXXX. I received an email that my funds were on hold until XX/XX/XXXX at XXXX XXXX. I called twice that day and even went down to the XXXX New Jersey branch. They said that there was nothing they could do one girl name. XXXX told me to call back the next day and speak to somebody then. called back the girl told me to call the next day. Ask to see if they can expedite the reverse. I called twice that day even spoke with a manager again. Everybody was stating that there was nothing they can do today XXXX  XXXX I got on the mobile app and started chatting. She stated that the funds were on hold to help me prevent from fraud. I explained to her this is the same payroll check that is deposited every XXXX between XXXX and XXXX. There is no fraud. Theyre stating that theres nothing they can do for the reversal and they still have it on hold until XXXX XXXX XXXX when the funds will be released I received a letter in the mail today explaining that the check was blurry when I deposited and again that letter stated to re-deposit the check which I did on XX/XX/XXXX I tried to explain to him. I am paycheck to paycheck and I have bills to pay and Im asking them to please reverse the hold nobody will help me or nobody would do anything to even try to help me now I know the funds are gon na be given to them before the XXXX but yet my yet theyre gon na hold my money until the XXXX at XXXX XXXX. I let paycheck to paycheck most like every other person in New Jersey and I need access to my funds to pay my bills so I will not incur any late fees. I dont think this is fair if theyre not even looking at the past history that this is a payroll check that is deposited every week Im hoping you can help XXXX XXXX last four digits of social 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 2025-05-17 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: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I am filing this complaint against XXXX Cooley XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX, and the following finance companies that accessed my credit report without my authorization and is reporting negatively on my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( via dealership portal ) XXXX XXXX XXXX In XX/XX/XXXX, I spoke with a salesperson named XXXX at XXXX Cooley XXXX via phone and text message to inquire about vehicle financing. I did not visit the dealership in person. During our conversation, XXXX stated that he would perform a soft inquiry only to check if I qualified for in-house financing through XXXX Cooley XXXX. I was explicitly told that my credit would not be run with outside finance companies without my consent. 

XXXX then sent me a text message link requesting basic personal information. Believing this was only for internal purposes, I submitted my details. At no point did I authorize any third-party lenders to access my credit report, nor did I complete or sign a formal credit application. 

Shortly afterward, I discovered that XXXX hard inquiries had been made on my credit reportsby XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. These inquiries were : Unauthorized Not disclosed Performed without a permissible purpose These actions violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and also constitute deceptive business practices under the Texas Deceptive Trade Practices Act ( DTPA ), Tex. Bus. & Com. Code 17.46.

Violations : 1. Unauthorized Access 15 U.S.C. 1681b ( f ) My credit report was accessed by third-party lenders without my knowledge or permission, in violation of the FCRA.

2. Lack of Permissible Purpose 15 U.S.C. 1681b ( a ) There was no permissible purpose for these inquiries, as I never signed a credit application nor gave verbal consent for third-party financing.

3. Deceptive Misrepresentation by Salesperson XXXX  I was assured that my credit would only be reviewed for in-house financing, but my personal information was distributed without disclosure or consentclear grounds for a deceptive business claim under Texas law XXXX 



Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) : Consumers must provide explicit consent for credit checks ; casual interest or communication is not sufficient authorization. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX ) : Any credit access without specific authorization is a violation of the FCRA

Company response to consumer: Untimely response
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Formal Notice of Dispute Concerning Inaccurate Information in My Credit Report Dear CFBP I am writing to formally dispute inaccurate and potentially damaging information currently reported on my credit file. This erroneous data is negatively affecting my financial standing, and I am requesting an immediate and thorough reinvestigation,

as mandated under the Fair Credit Reporting Act ( FCRA ). I am fully aware of my rights under the FCRA, specifically : - 15 USC 1681i ( a ) ( 1 ), which mandates that credit reporting agencies complete an investigation within 30 days of receiving a dispute ; - 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which governs the investigation procedures and ensures the consumer is informed of the results ; - 15 USC 1681i ( a ) ( 5 ) ( B ), which outlines the proper procedures for reinserting information that has previously been deleted. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for systemic failures in handling consumer disputes. These include, but are not limited to : - Conducting superficial or incom
plete investigations, - Reinstating previously disputed data without legitimate verification or notice, - Failing to provide consumers with clear, timely updates regarding dispute outcomes.

These practices are not only unacceptablethey are unlawful. Given the precedent set by the CFPBs enforcement actions, I have serious concerns that my current dispute may not be handled with the rigor required by 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 2025-05-17 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: VA

Complaint narrative:
I've recent received a copy of my credit report and noticed 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2025-05-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Got an American Express giftcard for {$200.00}. It can not be used anywhere, in person or online, and I can not add it to any mobile wallet. It has been declined everywhere I have tried, including XXXX, XXXX XXXXXXXX, grocery stores, etc. Unbelievably frustrated and just want a refund

Company response to consumer: Closed with explanation