vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Consumer Financial Services
State: IL

Complaint narrative:
I was in prison when these loans were taken out in my name without my permission or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FISERV FINXACT CORE
State: TN

Complaint narrative:
My father passed away XX/XX/XXXX of this year and my mother wanted me to close the account and transfer the funds to her account. I was informed to email the needed documents to provided email address ( not a mailing address ). First email sent XX/XX/XXXX was missing the small estate affidavit which we resolved on XX/XX/XXXX with a second email of all the needed documents, but there has been no response and when I called today XX/XX/XXXX, was informed that they needed a mailed documentation, so I asked for the mailing address. I was put on hold then the call got dropped and when I tried to call again I was ignored and call got dropped. Meanwhile Money Network is charging a monthly maintenance fee on my father 's account.

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 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
I have a letter from Ed financial that I was due to start my repayments in XXXX of XXXX. I am filing this complaint because Edfinancial Services processed an application on my federal student loan account that I explicitly asked them to cancel in XX/XX/XXXX. I communicated to them that I did not want the application to be processed and believed it had been canceled. 

Despite this, Edfinancial later processed the application without my authorization. As a result : My loan balance increased My repayment/account status changed without my consent I was financially harmed due to a servicer error I contacted Edfinancial for correction, but they told me they would not take any action to fix the mistake. They also did not provide documentation of why they ignored the cancellation request. 

This appears to be a violation of federal student loan servicing standards, which require servicers to act on borrower instructions, correct unauthorized actions, and provide accurate account information. 

I am requesting CFPB assistance to require Edfinancial to : Reverse the unauthorized application Restore my account to the status and balance that existed before the error Provide a written explanation Correct any credit reporting that may have been impacted I am providing all relevant details, dates, and screenshots/documents showing that I asked for the cancellation in XXXX. 

Thank you for your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Information is incorrect and has been sold, traded for monetary value without my consent or notice.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
b'Describe what happened:\n\nMy name is XXXX XXXX, and I am submitting this complaint regarding Bank of Americas wrongful blocking of my personal checking account and their failure to resolve the issue for more than 20 days.\n\nThe reason my account was blocked was because my husband deposited several money orders into my account. These money orders were originally created for XXXX  XXXX, but we did not move into that apartment and instead relocated to another place. Since my husbands Bank of America account was newly opened and his debit card had not arrived yet, he was instructed by a Bank of America employee that it was acceptable to deposit those money orders into my account instead.\n\nWe specifically asked the bank employee before making the deposit whether this would cause any problems, and we were told yes, it is okay. Based on this advice, my husband proceeded with the deposits.\n\nThe money orders were successfully deposited and the funds initially appeared in my account. We even used those funds to pay the rent for our new apartment. However, shortly after that, Bank of America blocked my account, reversed the rent payment, and the landlord issued a refund with an additional XXXX fee because the payment was returned.\n\nAt the time my account was frozen, the total balance included:\n\n$3,800 in the checking account\n\nXXXX in the security deposit account\nThis is a total of $4,100, which is our money and we currently have no access to it.\n\n\nWe have visited the branch twice and called customer service multiple times. We even met with the branch manager, who told us that the issue would be reviewed and resolved within 36 hours, but nothing has been done. It has now been over 20 days, and we still cannot access our money.\n\nThis situation has caused us severe financial stress, especially because these funds were needed to pay rent. Due to Bank of Americas mistake, we faced difficulties with our landlord and were at risk of being unable to pay rent on time.\n\nI am requesting CFPBs assistance in forcing Bank of America to:\n\n1. Unblock my account,\n\n\n2. Restore full access to my funds,\n\n\n3. Correct their employees guidance error, and\n\n\n4. Provide an explanation for the unreasonable delay.\n\n\n\nBank of America gave us incorrect advice, froze my account without justification, and has failed to resolve the matter in a reasonable timeframe. This has directly harmed me and my family.\n\nThank you for your help.\n\n XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 ( XXXX ) 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
A debt is being reported or collected under ONEMAIN with account number XXXXXXXX XXXX XXXX XXXX XXXX. I have not been provided with proper debt validation, such as documentation proving that this debt is mine, the accuracy of the balance, or that OneMain has the legal right to collect or report it. Without proper verification, the information being reported may be inaccurate or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding two inaccurate credit accounts reported by XXXX XXXX XXXX XXXX XXXX Bank to Equifax. 

There are two accounts on my Equifax report ( ending in * XXXX and * XXXX ) that contain multiple factual errors, including : A late payment reported in XX/XX/XXXX, even though the account was closed in XXXX Duplicate accounts with conflicting opening and closing dates Incorrect payment history Incorrect high balance, last payment, and scheduled payment amounts One account showing 58 months of payment history for a loan that only existed for 4 months Reporting delinquencies and activity on dates when the account did not exist Updated information added that does not match the accounts original terms Failure to provide accurate documentation after my dispute I disputed the accounts with Equifax, but Equifax simply marked both items verified, even though the dates and payment history reported are impossible and violate FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX Bank is reporting inaccurate, outdated, unverified, and inconsistent information, and Equifax is continuing to publish it despite the clear factual discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am the victim of identity theft. I did not open or authorize the XXXX XXXX XXXX credit card account issued by Comenity Capital Bank ( account ending in XXXX ). Once I discovered the account, I filed fraud disputes with Comenity and with the credit bureaus. 

On XX/XX/year>, Comenity sent me a letter confirming that my fraud claim is open and under investigation. They stated that their Account Protection Team is actively reviewing the matter, that the investigation may take up to 90 days, and that they will notify me and the credit reporting agencies once the investigation is complete. I am attaching a copy of that letter to this complaint. The letter confirms that Comenity acknowledges this is an active fraud investigation and has not verified that I opened this account.

Despite that, both Comenity and XXXX  continue to report negative and damaging information on my XXXX  credit report. XXXX  is listing a past-due balance, a 60-day late payment, and other derogatory information even though the account is flagged as fraud and under dispute. These updates were reported after Comenity confirmed the account is under investigation. 

This conduct violates the Fair Credit Reporting Act. A furnisher can not report information it knows or should know is inaccurate or unverified, especially while a fraud investigation is active. A credit reporting agency must also ensure accuracy, properly label disputed or fraudulent accounts, and block identity theft information when appropriate. XXXX has repeatedly failed to do so. 

XXXX  has a pattern of continuing to report false, unverified, or disputed information even after being notified that the account is the result of identity theft. This is not an isolated mistake. It is repeated and ongoing behavior that causes direct harm and continues to damage my credit despite the existence of an active fraud investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal dispute regarding the accounts listed below. The accounts listed have inaccuracies that require correction, as outlined for each credit bureau. 

Charged Off 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 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 2025-12-04 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.

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity Capital Bank is reporting a charged-off account in the amount of {$1500.00} that was also marked as transferred or sold. Despite reflecting a {$0.00} balance, the account continues to be reported with a derogatory status that implies an unpaid obligation. This post-sale charge-off reporting misrepresents the current status of the account, as Comenity no longer owns the debt.

Such continued derogatory reporting after sale is misleading under the Fair Credit Reporting Act. The presence of this charge-off, while the debt has been sold and is no longer collectible by Comenity, creates confusion for creditors and materially damages my credit profile. This account appears with code indicators and negative payment history that unfairly reflect on my creditworthiness. I have been denied credit opportunities and subjected to emotional and financial hardship as a result.

Company response to consumer: Closed with explanation