vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX * * * * ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-14 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: IL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am filing this formal complaint against [ NAME OF CREDIT BUREAU ] for its continued violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ) and 1681i ( Reinvestigation ) by reporting inaccurate, unverifiable, and conflicting Personal Identifying Information ( PII ) on my consumer file.

The presence of conflicting PII ( names, dates of birth, addresses, and employers ) on my report demonstrates a fundamental failure to maintain reasonable procedures to ensure the maximum possible accuracy of my file. This necessitates a full manual review and immediate deletion of all disputed PII.

I demand the immediate and permanent deletion of all items listed below : Inaccurate Personal Identifying Information Demanded for Deletion : If Filing Against XXXX XXXX XXXX XXXX ), use this section : WRONG ADDRESSES : The previous addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be permanently deleted. 

ALIASES/WRONG NAMES : The incorrect name " XXXX XXXX XXXX XXXX XXXX be deleted. 

INCORRECT EMPLOYERS : The employment listings for " QUESTS GENETICS '' and " CLINIC GROWTH RESOURCES '' must be deleted. 

WRONG DOB : The incorrect or disputed date of birth " XXXX '' must be permanently deleted and cleared. 

If Filing Against Equifax, use this section : WRONG ADDRESSES : The inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  must be permanently deleted. 

ALIASES/WRONG NAMES : The alias/wrong name XXXX XXXX ( reported multiple times ) must be deleted.

INCORRECT EMPLOYERS : The employer QUESTS GENETICS ( associated with XXXX ) must be deleted.

WRONG DOB : All conflicting and inaccurate Date of Birth entries of XXXX ( multiple entries ) must be corrected to reflect only the current, verified date and the inaccurate entries deleted.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
Mobile deposit on XXXX. Received notification that funds would be available XX/XX/XXXX. Then on XX/XX/XXXX when funds were not available they said XX/XX/XXXX. I received no notice as required by regulation cc

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * BANK OF AMERICA XXXX XXXX Regarding : * * BANK OF AMERICA XXXX Account no : # XXXX * * * * * * * * * * * * Summary of Complaint : * * I am disputing the way BANK OF AMERICA is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing.

* * Details of the Issue : * * - The account in question is a credit card issued by BANK OF AMERICA- The account reported positively for a period of time.

- After I became delinquent, BANK OF AMERICA charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice.

- I never received an Adverse Action Notice.

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit.

- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB. 

- Written confirmation that proof is provided or deletion of the charge-off occurs.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report contains incorrect and misleading items.

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 2025-10-14 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
Please note the letter below was mailed to Mohela clarifying the case. We have attempted to call, but it is near impossible to get through to customer service and have reached out through the portal, but continued to see interest being charged each month. 

XX/XX/XXXX Dear MOHELA, I am writing to formally dispute the continued charges and interest being applied to my account, despite the fact that this loan was paid in full as of XX/XX/XXXX. 

After paying the balance in full, I was billed additional interest. On XX/XX/XXXX, I made a payment of {$250.00} specifically toward interest. Despite this, my account continues to reflect an outstanding balance of {$1800.00} ( as of XX/XX/XXXX ), along with a past due amount of {$250.00}. 

These charges are improper, given that the principal was already satisfied in XX/XX/XXXX and subsequent interest payments were made. I have reached out to your office multiple times by phone and email, without resolution. I have also filed a complaint with the XXXX XXXX XXXX due to the persistence of this error. 

This mismanagement has caused inaccurate reporting to the credit bureaus and has had a negative impact on my credit standing. Accordingly, I am sending this letter via Certified Mail to formally demand the following : 1. Written confirmation that the loan balance was cleared in full as of XX/XX/XXXX. 
2. Immediate reversal of the improper charges, including the restoration of my account to a {$0.00} balance.

3. A full refund of the {$250.00} paid on XX/XX/XXXX, as well as any other interest or charges collected in error after the loan was paid in full. 
4. Prompt notification to all credit bureaus to remove any negative or inaccurate reporting tied to this account. 
Please note that I am including proof of full payment and the subsequent XX/XX/XXXX payment with this correspondence. 

Given the serious nature of this issue, I expect a formal written response within 30 days of receipt of this letter. Please provide documentation confirming the loan is satisfied in full, that no further charges will be applied, and that all erroneous amounts have been refunded. 

Thank you for your prompt attention to this matter. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

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 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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
Prior CFPB Case Reference : XXXX I am resubmitting this complaint because Discover Bank and XXXX XXXX XXXXXXXX have failed to resolve a continuing billing error in violation of 12 C.F.R. 1026.13 ( d ) ( f ). 

On XX/XX/2025, I was charged {$5000.00} by XXXX XXXX XXXX XXXX XXXX for a family cruise. XXXX later canceled the cruise without notice. Discover opened Dispute # XXXX and ultimately issued a partial credit of {$730.00} for a canceled drink package. The remaining {$4200.00} remains unrefunded. 

On XX/XX/2025, XXXX falsely represented to the Florida Department XXXX XXXX and XXXX XXXX ( FDACS ) that a full refund had been processed. XXXX XXXX # XXXX confirms this statement, but my Discover statements show no merchant refund from XXXX. 

Despite written requests sent to both Discover Bank and XXXX Cruises corporate counsel on XX/XX/2025, no documentation of a refund has been provided. Meanwhile, Discover continues to assess finance charges and interest on the disputed {$4200.00}, contrary to 1026.13 ( d ) ( 1 ), which forbids imposing finance charges or reporting a disputed amount as owed while an investigation is unresolved. 

This matter therefore constitutes : A continuing billing error under 1026.13 ( a ) ( 3 ) ( services not delivered as agreed ) ; A failure to properly investigate and correct under 1026.13 ( f ) ; and A misrepresentation to a state regulator by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 

I am requesting CFPB oversight and enforcement to ensure full compliance with the Truth in Lending Act and Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Hanwha QCells USA Corp
State: CA

Complaint narrative:
I signed a solar loan agreement with Enfin on XX/XX/year>. As of XX/XX/year> the solar has not been granted XXXX by XXXX XXXX XXXX and payments are in deferment. 
We are selling our home, and called Enfin to transfer the loan to the buyers. The said there would be a 30 % of the original loan charge totaling over {$21000.00}. I asked them where in the contract it stated that. Two different agents said the contract doesnt, but that its a procedure they follow from upper management. They sent me this procedure in writing through the Enfin portal. 
They are saying the can charge it to transfer and we must pay over $ XXXX to transfer, although it is nowhere in our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-14 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: TX

Complaint narrative:
This entry is not reflective of my payment behavior and seems to have been reported in error. Kindly review and correct it.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are errors being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: WV

Complaint narrative:
I took out a loan to pay off two accounts, one was paid the other has yet to be paid. They said they paid it but then later requested the address to pay it. A week later I ask for proof they had paid it or to deposit the money into my checking account so I could pay it, but they have not responded.

Company response to consumer: Closed with explanation