vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
These accounts are not attributable to me, and I request their deletion within 15 days under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I have no involvement with these accounts and request that they be removed within the required 15 days.

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 2025-12-18 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: OR

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal 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
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-12-18 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 request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IA

Complaint narrative:
am submitting this complaint regarding a 90-day late payment reported on my federal student loan with EdFinancial Services following a servicer transition. 

When my loan was transferred to EdFinancial, I believed it was still in forbearance. I did not receive notice that the forbearance period had ended, and I was unaware that payments had resumed. As soon as I learned the loan was no longer in forbearance, I immediately brought the account current.

Prior to this incident, I have never had a late payment and have maintained a history of responsible repayment. The 90-day late payment was caused solely by a misunderstanding related to the servicer transfer, not by neglect or willful non-payment.

I have contacted EdFinancial to request a goodwill adjustment, but they informed me they do not provide goodwill removals, even in cases where reporting is inaccurate due to servicer transition issues.

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure maximum possible accuracy when reporting consumer data. I believe that reporting this late payment under these circumstances is inaccurate and misleading.

I am requesting that EdFinancial review this matter and correct the reporting on my credit report, taking into account the miscommunication during the servicer transition, my immediate correction of the account, and my previously unblemished payment history. 

I have attached supporting documentation, including payment records and correspondence, demonstrating that this was an isolated, unintentional incident that was promptly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I dispute any affiliation with these accounts and request removal within the legally mandated 15-day period.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
Chime, the online banking company through XXXX XXXX, has limited access to my account and refused to explain why. They said it's due to suspicious activity, but they failed to mention what said activity it was. I have tried calling the company to get answers and the most I get is a basic " I'm sorry this is happening to you, but this is all the information we have '' script. Which I know is a lie. I have bills to pay and can't pay them because they locked my account. I have reported suspicious activity happening on my account in the past. They don't get to claim there was suspicious activity when there was no activity going on that was outside of what I was using my cards for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: KY

Complaint narrative:
On XX/XX/year>, I applied for 90 days same as cash loan in the amount of {$2100.00} to cover some of the costs of my car repairs. The funds were setup for auto draft from my bank account. I attempted to setup an online account to check my balance the beginning of XXXX & I kept getting a message that I would get an email but never got the email. I ended up having a car accident on XX/XX/XXXX & it slipped my mind that we were approaching the 90 days. Once I realized I never got online on XX/XX/year> I located a phone number from my bank statement & called to find out when my 90 days ended. I spoke w/ XXXX XXXX she said my 90 days was up on XX/XX/year>. I offered to pay balance in full to fulfill my 90 days, but she said it was too late & I would have to pay the total amount due w/ {$4000.00}. 119.00 % interest rate. I let her know that I had never received any documents in the mail & she said it was in my original text & that they don't send correspondence via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NV

Complaint narrative:
Ive sent letters to all 3 bureaus, TransUnion, Equifax, and Experian. Multiple attempts, they have failed to remove inaccurate information and update the proper 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 non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-12-18 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
XXXX. XXXX XXXX XXXX Account Number : XXXX * High Balance Is Incorrect XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance Is Incorrect XXXX. This car was sold at auction the highest balance is incorrect XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect REVIEW this account immediately and REMOVE it from my credit report. 

I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within XXXX days. you only have XXXX  days to respond or I will file a complaint! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint due to Bank of Americas repeated failure to conduct a reasonable, timely, and lawful investigation into a billing dispute, despite extensive documentation already submitted multiple times. 

On XX/XX/year>, I opened a billing dispute regarding a charge of {$430.00} for a service that was materially misrepresented and not delivered as advertised. The merchant promoted a Flying Dress Photoshoot experience with professional-quality photography and editing. However, the delivered product was substantially deficient, inconsistent with the merchants own advertising, and unusable for its intended purpose. Supporting documentation includes screenshots of the merchants advertised services, side-by-side comparisons of advertised versus delivered images, and extensive written communications with the merchant acknowledging ongoing issues. 

After opening the dispute, I promptly provided Bank of America with all requested documentation, including written explanations, merchant communications, and photographic evidence. Despite this, Bank of America has repeatedly requested the same or substantially similar information multiple times, even after confirming receipt of prior submissions. This is now the third request for additional information covering the same material already supplied. 

These repeated requests appear duplicative, unnecessary, and unreasonable, and they have significantly delayed resolution of the dispute. At no point has Bank of America clearly identified what information is allegedly missing, nor explained why previously submitted documentation is insufficient. Instead, I continue to receive automated or vague requests that reset the investigation timeline without meaningful progress. 

As a consumer, I have fully cooperated and acted in good faith. Bank of Americas handling of this dispute has caused undue delay, frustration, and financial uncertainty. This pattern raises concerns that the dispute is not being investigated in accordance with the Fair Credit Billing Act ( FCBA ) and its implementing Regulation Z, which require a reasonable investigation and timely resolution of billing disputes.

I am requesting CFPB review because Bank of Americas actions suggest a failure to properly investigate, an unreasonable burden placed on the consumer, and a breakdown in fair dispute resolution practices.

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 2025-12-18 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Online account for mortgage company states I paid over {$10000.00} for homeowners insurance My homeowners insurance is only XXXX per year at the time 2024 yeah They can not explain to me why my statement says that I paid XXXX in homeowners insurance and my mortgage keeps going up when I have a fixed rate Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I have had this credit card for several months close to a year and was in very good standing zero balance although I did use the credit card monthly I was effective at XXXX, keeping the balance at zero or close to zero monthly and they decided to close the account in the middle of the billing cycle for no reason when question the credit card company stated that it was closed due to suspicious activity No other information has been given, and this will negatively affect my credit as to the reason for having the credit card was to build my credit and show sustainability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

Complaint narrative:
I am submitting this complaint to report inaccurate personal information and unauthorized credit inquiries appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). These items were reported without my knowledge or authorization and have negatively impacted my credit profile. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX This address is not mine, and I have no knowledge or association with it. 
Reporting inaccurate personal information violates FCRA 607 ( b ).

Failure to delete this address after prior disputes violates FCRA 611 ( a ) ( 1 ).

Demand : Immediate and permanent deletion of this address from my Equifax file. 

Creditor : XXXX Inquiry Date : XX/XX/year> I did not authorize XXXX to access my consumer report. 
Any inquiry without a permissible purpose violates FCRA 604 ( a ).

Continued reporting after reinvestigation violates FCRA 611 ( a ) ( 5 ).

Demand : Immediate deletion of this unauthorized inquiry. 

Creditor : XXXX Inquiry Date : XX/XX/year> I have no knowledge of this inquiry and did not apply for any credit with this entity. 
If Equifax can not provide proof of permissible purpose, reporting violates FCRA 604 ( a ) ( 3 ) and 607 ( b ). 
Demand : Delete this inquiry from my credit report. 

Creditor : XXXX XXXX Inquiry Date : XX/XX/year> This inquiry was made without my consent or authorization. 
Failure to ensure lawful access to my consumer report violates FCRA 604 ( a ).

Demand : Immediate and permanent removal of this inquiry.

The continued reporting of these inaccurate and unauthorized items violates my rights under the FCRA. I respectfully request CFPB intervention to ensure full investigation, deletion of all disputed items, and written confirmation of corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Date : XX/XX/year> {$30000.00} It was a wire transferred to my account and i was able to withdraw {$5500.00} before they closed my account and my bank locked my account and won't allow me to get my balance or reversed the balance back to the sender and i have went to bank countless time and the sender too couldn't get anything done and it is frustrating.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX : XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX SSN ( Last 4 ) : XXXX CFPB Complaint Statement I am filing this complaint against XXXXXXXX XXXX XXXXXXXX XXXX XXXX and the credit reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ) and Texas law. 

I disputed a collection account reported by XXXXXXXX XXXX XXXX XXXX XXXX, allegedly originating from XXXX XXXX XXXX, for {$120.00} ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I sent a written dispute and validation request to XXXX XXXX XXXXXXXX XXXX XXXX ; however, they have not responded at all and have provided no documentation validating the debt. 

Despite this, the credit bureaus closed my disputes within one day, stating the account was verified. A same-day or near-instant verification strongly suggests that no reasonable reinvestigation occurred, as required by 15 U.S.C. 1681i. There is no evidence that the bureaus reviewed any documentation or conducted anything beyond an automated confirmation.

To date, no competent evidence has been produced showing : A valid contract or service agreement bearing my authorization A detailed billing history supporting the {$120.00} balance Proof that XXXXXXXX XXXX XXXXXXXX XXXX XXXX has legal authority to collect this debt Verification of the correct date of first delinquency XXXX XXXX XXXX XXXX  failure to respond to my dispute violates 15 U.S.C . 1681s-2 ( b ) and Texas Finance Code 392.202, which require a proper investigation and correction or deletion of unverifiable information.

The credit bureaus reliance on conclusory verification without documentation violates 15 U.S.C. 1681i, and the continued reporting of this unverified account is inaccurate and misleading.

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 2025-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was paid the sum of {$150.00} on XX/XX/year> from the Company I worked XXXX XXXX XXXX XXXX. The XXXX was an Advance payment due to late payment from the company it was sent to my XXXX account. Now XXXX XXXX XXXX XXXX is trying to collect my money bank from my account and XXXX is trying to take the money that was owed to me. Now my account is closed to to false reporting saying the money was never supposed to be sent to me. That money was paid to me from working I have supporting documentation for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I do not accept responsibility for these accounts and request removal within 15 days under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
Please go through this entry ; it might be wrong given how late it was done.

Company response to consumer: Closed with non-monetary relief