vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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 formally disputing the fraudulent accounts that have been wrongfully reported on my credit profile. These accounts were not created, authorized, or approved by me. Their inclusion is a gross inaccuracy that misrepresents my financial history and subjects me to harm that I should not be forced to endure. The presence of these false accounts diminishes the integrity of my credit file, exposes me to unfair financial consequences, and damages my reputation. Allowing such information to remain is both negligent and harmful, as it distorts my record and prevents my credit report from reflecting the truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
It is unacceptable that I keep finding accounts on my credit report that I never opened or authorized. I was not notified when these were added, and the reporting is inconsistent across all three bureaus, which makes the situation even more suspicious and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 non-monetary relief
Consumer complaint received 2025-09-09 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: AL

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-09-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft. The accounts listed below are fraudulent and must be blocked from my credit report under FCRA 605B. Enclosed are my FTC Identity Theft Report, police report, proof of ID, and proof of address. 

Fraudulent accounts reporting XXXX XXXX  {$1100.00} XXXX {$570.00} XXXX XXXX {$430.00} XXXX {$3700.00} XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} ; {$2000.00} ; {$1100.00} ; {$640.00} ( qualify for XXXX XXXX forgiveness ) XXXX XXXX  {$780.00} These are not my accounts. I did not authorize them and I am not responsible for them. 

Please block these items from my credit file immediately as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland funding aka XXXX and XXXX has gotten a court officer XXXX XXXX  to XXXX  my account this has been the second time they have done so in a attempt to collect money that I paid them and dont know why I have this debt with them in the first place. I have added the payment history and the last levy that they made and it adds up to the amount they said I owe them but they still keep trying to shake me down for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am contesting the late payment and delinquent remarks that have been reported. These are incorrectmy payments were made on time or as previously arranged. Please revise the account to Paid as Agreed and remove any delinquency information.

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 2025-09-09 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was not properly notified that the SAVE act was no longer in effect after years of deferred payments and promised payment deferrals during Covid. Because of this initial promises, we were instructed to pause payments. New sources then notified that the SAVE act was in effect and extended the deferred payment period. Suddenly it was lifted and we were not notified of this change. I only saw messages on the inbrowser login through XXXX, no other form of communication. I saw the derogatory mark against my credit score in XXXX. I caught my account back up to current due to this and then once again, I saw my credit score take another hit. I do not understand why my credit score was affected twice, when it should not have been affected in the first place. Can the parties assisting in this matter, help me rectify and reverse the mark on my account as well as correct the score on my credit score? 

Knowing all of this, I contacted XXXX with this information via email on their website. I received no reply or confirmation of receipt. I will also be calling the services but am not hopeful considering that I am not even sure if my email was received. 

To summarize, I have all intentions and ability to repay the loan. No intentions of delayed payment ; just following what was recommended due to global and local circumstances. Payment has been made to bring myself current and situated where all forward payments will be handled automatically Thank you

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was not properly notified that the SAVE act was no longer in effect after years of deferred payments and promised payment deferrals during Covid. Because of this initial promises, we were instructed to pause payments. New sources then notified that the SAVE act was in effect and extended the deferred payment period. Suddenly it was lifted and we were not notified of this change. I only saw messages on the inbrowser login through XXXX, no other form of communication. I saw the derogatory mark against my credit score in XXXX. I caught my account back up to current due to this and then once again, I saw my credit score take another hit. I do not understand why my credit score was affected twice, when it should not have been affected in the first place. Can the parties assisting in this matter, help me rectify and reverse the mark on my account as well as correct the score on my credit score? 

Knowing all of this, I contacted XXXX with this information via email on their website. I received no reply or confirmation of receipt. I will also be calling the services but am not hopeful considering that I am not even sure if my email was received. 

To summarize, I have all intentions and ability to repay the loan. No intentions of delayed payment ; just following what was recommended due to global and local circumstances. Payment has been made to bring myself current and situated where all forward payments will be handled automatically Thank you

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was not properly notified that the SAVE act was no longer in effect after years of deferred payments and promised payment deferrals during Covid. Because of this initial promises, we were instructed to pause payments. New sources then notified that the SAVE act was in effect and extended the deferred payment period. Suddenly it was lifted and we were not notified of this change. I only saw messages on the inbrowser login through XXXX, no other form of communication. I saw the derogatory mark against my credit score in XXXX. I caught my account back up to current due to this and then once again, I saw my credit score take another hit. I do not understand why my credit score was affected twice, when it should not have been affected in the first place. Can the parties assisting in this matter, help me rectify and reverse the mark on my account as well as correct the score on my credit score? 

Knowing all of this, I contacted XXXX with this information via email on their website. I received no reply or confirmation of receipt. I will also be calling the services but am not hopeful considering that I am not even sure if my email was received. 

To summarize, I have all intentions and ability to repay the loan. No intentions of delayed payment ; just following what was recommended due to global and local circumstances. Payment has been made to bring myself current and situated where all forward payments will be handled automatically Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-09 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I disputed several collection accounts and negative items from Self, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, on my XXXX XXXX XXXX, on my credit report starting in XX/XX/XXXX. I provided documents and requested validation. Instead of properly reinvestigating, the credit bureau sent vague results such as updated or processed without explaining what changed. 

Some inaccurate information that had been deleted later reappeared on my file without notice. I submitted follow-up disputes, but the company continued to rely only on automated responses from furnishers and never validated the debts. 

These actions match the issues described in the XXXX XX/XX/XXXX lawsuit against XXXX, where XXXX  XXXX found they failed to forward dispute information, failed to provide proper results, and allowed inaccurate data to remain or be reinserted. 

I am requesting removal of the disputed collections and negative items because they have not been verified as accurate or complete.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Self Financial Inc.
State: NC

Complaint narrative:
I disputed several collection accounts and negative items from Self, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, on my XXXX XXXX XXXX, on my credit report starting in XX/XX/XXXX. I provided documents and requested validation. Instead of properly reinvestigating, the credit bureau sent vague results such as updated or processed without explaining what changed. 

Some inaccurate information that had been deleted later reappeared on my file without notice. I submitted follow-up disputes, but the company continued to rely only on automated responses from furnishers and never validated the debts. 

These actions match the issues described in the XXXX XX/XX/XXXXXXXX  lawsuit against XXXX, where XXXX  XXXX found they failed to forward dispute information, failed to provide proper results, and allowed inaccurate data to remain or be reinserted. 

I am requesting removal of the disputed collections and negative items because they have not been verified as accurate or complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-09 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a {$10000.00} paper check into XXXX Bank of America account. I fully understand that large checks can be subject to extended holds. However, under the Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ) and its implementing regulation, Regulation CC ( 12 CFR Part 229 ), banks are required to make the first {$220.00} of any days check deposits available by the next business day.

Specifically, 12 CFR 229.10 ( c ) ( 1 ) ( vii ) states : > The first {$220.00} of aggregate deposits of checks made on any one banking day shall be available for withdrawal not later than the business day after the day of deposit. 

Bank of America has refused to release even the {$220.00}. When I raised this issue with multiple representatives and managers, I was told either ( XXXX ) that this law does not exist, or ( XXXX ) that there were reasons for the hold, but no written notice was provided. The final XXXX I spoke with was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  he was the only one aware of the Law but could not give any reason for exemption.

Regulation CC requires that if an exception hold is applied, the bank must provide written notice explaining : The account number, The date of the deposit, The amount being delayed, The reason for the exception, and When the funds will be available ( 12 CFR 229.13 ( g ) ( 1 ) ).

Bank of America refused to provide this written notice.

I have been a Bank of America customer for over 20 years, my account is not new, I have not deposited bad checks, and none of the valid exception conditions apply. Despite this, the bank has denied me access to the {$220.00} and refused to comply with Reg CC requirements.

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