vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 XXXX US CXXXXe XXXXB 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 ( XXXX ) and the Truth in Lending Act ( XXXX ), 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 2025-06-04 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: VA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section XXXXB of the Fair Credit Reporting Act ( 15 U.S.C. 
XXXX ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX VA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXXXXXX XXXX Date : 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 2025-06-04 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: WI

Complaint narrative:
I am reporting all three major credit bureaus ( Experian, TransUnion, and Equifax ) for reporting inconsistent, inaccurate, and unauthorized information on my credit file. 

I submitted multiple legal disputes and provided documentation of violations including FCRA 1681b ( lack of permissible purpose ), 1681e ( b ) ( failure to ensure accuracy ), and 1681i ( failure to reinvestigate ). 

Items like XXXX XXXX, XXXX XXXX, and XXXX are being reported without my consent, with conflicting statuses across bureaus, and duplicate or re-aged accounts. 

This has caused housing denials, hardship as a single father, and emotional stress. 

I have attached all my dispute letters, a cross-bureau comparison, and an FTC referral. Please investigate and demand permanent deletion of all unlawful accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I am writing this complaint against a debt collection company called Online Information Services. I noticed that this company is reporting its collections tradeline on my credit reports with XXXX and two other main consumer reporting agencies. The company is reporting its account in incompleteness. There is missing information regarding the open date of the account, monthly payments, and date of first delinquency. None of these item entries are reported in the payment history of the account accurately as it reports to my credit reports currently or they do not report at all. The Fair Credit Reporting Act requires accounts to report complete and accurate full account level documentation per 15 USC 1681s-2b and section 1681i ( a ) ( 5 ). The company 's reporting is misrepresenting the truthfulness of this account and is therefore damaging to my credit standing and credit worthiness. Reporting inaccurate or incomplete information is a deceptive act that violate the FDCPA under 15 USC 1692e ( 10 ) or not limited to the subsection of 1692e ( 10 ) but violates section 1692e under the Fair Debt Collections Practices Act in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
After reviewing my credit report, I notice that I have multiple fraudulent accounts listed on my profile. The negative accounts have hurt my ability to obtain new credit. Please remove the negative collections from my 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 explanation
Consumer complaint received 2025-06-04 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
The company is credit fresh. And supposedly they are saying I owe {$2500.00}. The parties that reached out to me were the law firms of XXXX and XXXX but the gentleman who called me a XXXX XXXX is the one who I talk to so that they could settle that debt for half but I would have to make payments no less than {$100.00} a week I tried to get more information tried to talk down along lower payment even suggested that I dont do any of the stuff over the phone that I would need to see it in writing and the individual said thank you and then hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am filing this complaint against both Experian and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report unverified, inaccurate, and duplicate accounts on my credit reports. 

Despite having sent multiple formal written disputes on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both credit reporting agencies have failed to remove or verify the following inaccurate accounts : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts appear either as duplicates or contain unverifiable information. According to the FCRA, particularly 1681i ( a ), 1681e ( b ), and 1681s-2 ( b ), the agencies are required to conduct a reasonable investigation, ensure maximum possible accuracy, and delete unverifiable information within 30 days. 

However, both agencies have failed to : Complete proper reinvestigations ; Provide verification from original creditors ; Delete duplicate or unverifiable accounts. 

This has resulted in continued damage to my credit report, despite documented communication attempts and partial removals acknowledged in prior responses.

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was contacted on XX/XX/XXXX via text message showing a message from Bank of America to, y personal cell phone regarding a charge on my credit in the state of GA and if it was fraudulent, I replied yes. Subsequently a few minutes later I received a phone call from XXXX. During this conversation I was informed that my account had been compromised. I needed a new credit card ( they would send this ) but also that someone was attempting to wire money, {$9500.00} from my account to a different bank in Georgia. They stated I need to take action immediately to stop this process. I attempted to look up this number online and it was shown as a number for Bank of America fraud reporting department so I felt it was valid. They then walked me through what to do using my Bank of America app, unfortunately I ended up actually completing a wire transfer with their directions. I immediately hung up upon realizing what happened after receiving an email stating a wire was completed. I called Bank of America and he asked me about it and said he would file a claim. The bank the money was sent to, XXXX XXXX XXXX XXXX in Georgia denied returning my funds, only returned {$2.00}. I called BofA back to discuss this decision. They denied being able to do anything. At one point one of their employees told me to call the bank in Georgia which was worthless because no one would discuss anything with me. I called back 3 separate times and finally got someone to re-open my case for reconsideration. It was denied again, they did not even inform me of this decision this time. They offered no other help except to call the local police which I did on XX/XX/XXXX when it occurred. The local police already told they can not help me. I am now waiting again to hear from BofA on my 3rd reconsideration. No one will tell me what they did to investigate the claim or fraud that occurred, they only say " that is a back office '' issue and I'm not allowed to speak to anyone in that department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
We tried to start the initial title transfer on XX/XX/year>2025, but were unable to because we needed to visit a tag and title service. 

On XX/XX/year>2025, the process finally began after faxing a request through our local tag and title service. 

We were informed that the title was printed by the XXXX DMV on XX/XX/year>2025 and the XXXX DMV told us that the title was sent out. They could not provide us with an address or any tracking information. 

XXXX XXXX XXXX  continues to tell us that the title is at the XXXX  DMV and that we are to wait XXXX weeks for them to receive the title and send to the title and tag service. 

It has now been XXXX and a half weeks. 

We call XXXX XXXX XXXX every week and try to escalate our complaint as our car has now had an expired registration for XXXX months. XXXX XXXX XXXX continues to give us the runaround every time we contact them. We're told it's escalated to their care team, and that their care team will reach out to us, but we never receive a phone call. 

We've spent entire days trying to resolve this issue. We are very anxious about our car potentially being repossessed and XXXX XXXX XXXX  has not done anything to help us.

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 2025-06-04 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: CA

Complaint narrative:
After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
FCRA/FDCPA regulations demands that ; all credit reports info be accurately submitted, and furnished by the original creditors, debt buyers, and or debt collectors/agencies to the CRA 'S! Anything short of this is illegal, and inexcusable! In addition to that, I'm a judgment proof debtor! My credit report shouldn't look, or have the appearance like I'm not such thing ( ex standard debtor )! In this case, all parties involved has intentionally, and illegally disregarded my judgment proof status! By submitting inaccurate, and furnishing the CRA 'S with inappropriate info, about the debts! My legal counsel/representatives has done the following; informed about my inability to pay, no obligation to pay, income protection, sent a cease/desist letter ( s ), and insisted that they stop all collections activities/attempts, in all its forms, as well as the debts are deemed uncollectable/unenforceable! Such descriptions, and terminology are prohibited when, the consumer is judgment proof debtor, and the debt is categorized as legally uncollectable/unenforceable! Those choices of terminology/descriptions are : credit usages, late, missed, overdue, past payments, owed, remaining balances, derogatory gestures, in or handle over to collections! Judgment proof debtor 's credit report should reflect : their current judgment proof status, be stated, recognized, accepted, respected, and taken very seriously, if nothing else!

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-04 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: CA

Complaint narrative:
I'm reaching out regarding an account currently listed on my credit report. Im asking that you please certify that all of the data associated with this account including the account holders identity, payment history, and any related details actually belongs to me.

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 2025-06-04 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. XXXX, I have the right to dispute any inaccurate or unverifiable information on my credit report. I have submitted multiple disputes to the credit bureaus regarding this matter, yet the information continues to be marked as 'updated ' and 'verified ' without a proper investigation. Additionally, the company has failed to provide any of the documentation I requested, including verification of the debt, the original contract bearing my signature, and a detailed explanation of the amount owed and how it was calculatedeven after I submitted a formal complaint.

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 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In response to claim XXXX, regarding my escrow to be spread for XXXX mos. And not XXXX mos. I need this help for my mortgage to be more feasible. They have agreed before, why are they not committing to there words. I will be attaching the letter were they agreed to spread for XXXX mos. Also no programs want to work with ohh, they say PHH does not cooperate with them and not help the homeowners. The program name is HOPE. Please look at this mortgage lender!

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 2025-06-04 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: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts from 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