vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDELENT ACCOUNTS : XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$2700.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chexsystems, Inc XXXX XXXX XXXX XXXXXXXX, MN XXXX. 

To Whom It May Concern I am writing to formally dispute the unauthorized use and sharing of my personal information by XXXX XXXX XXXX XXXX XXXX. It has come to my attention that my personal data has been shared without my written consent, which I believe violates both the Uniform Commercial Code ( UCC ) and the Fair Credit Reporting Act ( FCRA ). 

Under the UCC, specifically Section 1-103, parties involved in a transaction must act in good faith and adhere to principles of fairness in their dealings. Sharing my personal information without consent is not only a breach of this trust but also undermines the ethical standards required in commercial transactions. 

Moreover, the FCRA mandates that consumer reporting agencies maintain accurate and fair information regarding consumers. The unauthorized use of my personal information not only violates my rights under this act but also exposes me to potential harm and misrepresentation in the marketplace. According to the FCRA, I have the right to dispute inaccurate information and demand its removal. 

Therefore, I hereby demand the immediate removal of my personal information from your database and any records shared with third parties. I request written confirmation that my information has been deleted and that no further unauthorized use will occur. 

Please respond to this letter within 30 days to confirm that my request has been processed. Failure to address this issue may lead me to pursue further action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
For now I would say the 5th or 6th time I have asked for this account to be removed due to false and inaccurate and incorrect information. They have continued to report false and defaming accounts on my credit report, which I now will assume is deliberate. First of all the account Im referring to is an account associated with XXXX XXXX XXXX Not only are they agencies reporting and inaccurate balance due to the fact the balance being reported is incorrect, and also the closing of the account is inaccurate as well and for these reasons under the FCRA this account needs to be removed for inaccurate reporting immediately. Instead they have not only stalled in looking I to these things, they have also been placing derogatory marks on this closed account. If the car was repossessed in XXXXXXXX XXXX according to federal law there is a time frame of 120 days then the account must be closed. That would make the true closing date of this account XXXX. Theses agencies have not done there due diligence in this matter or they would not be okay ing derogatory marks and reporting on a closed account. This is a violation of my consumer rights and now Im starting to feel like even my request to have this account removed had falling on def ears. Including the ears of the CFPB. I will next file a complaint with my Florida attorney general if the CFPB can not force these agencies to remove this inaccurate account from all my credit reports! All of the immediately.

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 2025-08-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian, Equifax, and TransUnion Failure to Correct Inaccurate Payment History / Billing Error Violations I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report inaccurate late payment histories on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

Upon review of my credit reports, I identified several accounts showing late payments that are inaccurate and unverifiable. These errors fall under 15 U.S.C. 1666 ( b ) ( Billing Errors ), specifically : 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit issued. 

1666 ( b ) ( 5 ) : Computation or accounting errors by the creditor.

Additionally, I was not provided with billing statements at least 21 days prior to the alleged due dates, meaning no late payments should have been reported. The continued reporting of these late payments without documentary evidence is both inaccurate and harmful. 

Accounts in Dispute ( Late Payments Reported in Error ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations by XXXX XXXX 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon dispute.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a method of verification when requested.

15 U.S.C. 1666 ( b ) : Improper reporting of billing errors without evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
IVE SENT LETTERS TO EQUIFAX, EXPERIAN AND TRANSUNION AN GOT NO RESPONSE ABOUT THE INCORRECT INFORMATION REPORTING 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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a fraudulent account appearing in my credit history. I did not open this account, did not authorize it, and have no association with it in any form. Its presence in my report is entirely false and must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This correspondence serves as notice of dispute concerning a fraudulent account reported under my name. I have no connection to this account, never authorized it, and it does not belong to me. Its reporting is inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
What happened : This is a corporate-level complaint, not against any individual branch or employee. 

I am a XXXX visitor in the XXXX and have accounts with several banks in XXXX and XXXX. On [ insert date ], I experienced repeated card lockouts and declines from Bank of America despite having sufficient funds and even overpaying my credit card balance. 

Timeline : XXXX XXXX : First purchase went through, second declined for Unusual Transaction Activity. Card locked.

I called support, who said they could not unlock my card and told me to visit a branch.

In heavy rain, I went to the branch with two IDs and had the card unlocked.

Locked Again After Branch : Returned to XXXX, card was locked again. Called support unlocked tried again declined again. 
Only after a second unlock could I finally complete my purchase. 
XXXX : My card was declined and locked again. I called support, and they said, Everything is fine now, you can go again and make your purchase again. 
I tried again and was still declined. 
This happened XXXX times XXXX locks, XXXX unlocks in XXXX visit. 
I eventually had to call my family to wire money to my XXXX XXXX  card to complete the purchase. 
Even XXXX staff commented : Only BOA does this. 
Support Attempts : Support asked me to try a purchase while on the phone ; I did and was declined again. 
I even picked a {$17.00} item just to test if the card would work still declined. 
XXXX XXXX : That night, still wearing the same clothes from XXXX days ago, I tried to buy a {$32.00} drink at my hotel. 
XXXX was declined and locked again. 
Debit Account : I switched to my debit card, and BOA locked my entire debit account as well. 
I had no access to any of my money and could not buy anything, including a jacket at XXXX XXXX despite freezing weather. 
Deposits and Payments : I had deposited {$1600.00} cash the day before, and another {$1000.00} that day to show loyalty. 
I pay off my credit card immediately after every use and had overpaid by XXXX XXXXXXXX. 
Despite all this, my transactions were still declined. 
Customer Service Experience : After every call, support ended with : Thank you for being a valuable customer since XXXX. 
I heard this line over a dozen times while still unable to make basic purchases. 

Impact : I spent my entire day on the phone, running between stores and the branch, standing in the rain, and still could not access my money. This was humiliating, exhausting, and unacceptable.

Resolution Requested : 1. A full explanation for why my card and debit account were repeatedly locked. 
XXXX. XXXX that my account access will not be wrongly locked again. 
XXXX. Compensation for the stress, time, and expenses caused by this experience.

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 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am disputing the fraudulent account currently reported under my credit record. I did not apply for, authorize, or have any involvement with this account. Its inclusion in my report is false and has caused undue harm to my financial standing.

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 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I had a savings account with Wells Fargo bank. I opened the savings account in XXXX and deposited {$96000.00}. On XX/XX/XXXX I received a call from the XXXX Connecticut branch asking if I had added anyone to my savings account I replied no absolutely not. They then informed me that someone came in there and tried to withdraw {$8000.00} from my savings account and that this person was somehow added on my savings account. When I asked where the transaction took place where this person was added, they were added by a banker in person in the XXXX, Connecticut branch where I frequent. The banker who is responsible, added XXXX of her friends to my savings account as this was a targeted act. I do not know her personally she also opened an account for my estranged husband a month prior. I was informed that the only account compromised was my savings account as I had a checking in savings with Wells Fargo. I then immediately had to transfer all of my money out of my savings account into my checking account. I immediately had to change banks and close both accounts with Wells Fargo. Wells Fargo did not contact the police when the crime took place.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NM

Complaint narrative:
I dispute the late payment listed on my account. My records confirm all payments were made on time. This entry is inaccurate and unjustly damages my credit profile.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-30 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported on my credit file. 

Company : JEFFERSON CAPITAL SYSTEM The original creditor is XXXX. I previously disputed this account because I have never had a contract with this debt collector for any debt. I specifically asked for proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect on it. Instead of delivering this validation, the bureaus verified the account without furnishing proof. I disagree with the results of their investigation. To this date, I have not received : Documentation from the original creditor verifying the debt, or Proof that JEFFERSON CAPITAL SYSTEM has legal ownership and authority to collect this account. Despite the lack of validation, the account continues to be reported on my credit file by Experian, Equifax, and TransUnion, which is an inaccurate and misleading representation. Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified collection without documentation fails to meet this standard. 15 U.S.C. 1681i ( a ) : When a consumer disputes an item, the credit reporting agencies are required to conduct a reasonable reinvestigation. My dispute was not properly investigated, as no proof of debt was provided ; yet, the account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$17000.00} XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief