vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint against Bank of America. I have been a client for XXXX  years, and the practice process is very misleading. On XX/XX/year>, I transferred money from my bank account to my XXXX XXXX. On XXXX, Bank XXXX showed two transactions of the same amount, one of which was void. They paid some of my electronic check transactions that came through my account, and then turned around in the middle of the day and sent them back. My account kept changing throughout the day all week. The cash app transaction was to drop off because it was an error, and they kept giving me false information, telling me that it was going to drop off on XXXX  and XXXX, but it did not. It set my whole account backwards. They are providing false information and manipulating online accounts throughout the day.

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 2025-06-20 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: VA

Complaint narrative:
I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I expect that you will fully investigate this matter and provide a response within the time frame required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report. 
Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I expect that you will fully investigate this matter and provide a response within the time frame required by law. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$150.00}

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 2025-06-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/year> a credit inquiry notification was sent to me from my alerts. I was notified that XXXX  XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX obtained a copy of my report and left an inquiry on my report. I contacted XXXX  XXXX XXXX via telephone at ( XXXX ) XXXX & ( XXXX ) XXXX on XXXX occasions, XX/XX/year> & XX/XX/year> and no one has been able to help rectify the situation & remove the unauthorized inquiry from my report. I have not completed or signed any applications, I do not do any business with XXXX  XXXX XXXX. This unauthorized inquiry is causing a hardship, I am making a very important purchase in the near future. I would like this unauthorized inquiry removed from my 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 2025-06-20 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:
XXXXPlease remove the following items from my credit report:-\n\nADDRESSES:-\n 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 XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXPlease remove the following items from my credit report:-\n\nADDRESSES:-\n 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 XXXXI had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-20 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: CA

Complaint narrative:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment.

Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information.

Details : Account Name XXXX XXXX XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 
Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect, Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 
Account Name : XXXX XXXX, XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect late payments from the entire account history were all on time. 
Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment, The payment history is incorrect late payments from the entire account history were all on time. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment The payment history is incorrect late payments from the entire account history were all on time.

I previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA.

I am requesting : 1. A formal investigation into the reported late payment 2. Documentation validating its accuracy 3. Removal or correction if the furnisher can not prove the payment was late Thank you for your assistance in ensuring the accuracy and fairness of consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 2025-06-20 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: SC

Complaint narrative:
I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$170.00}

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 2025-06-20 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Accounts : Account # 1 XXXX XXXX XXXX XXXX XXXX XXXX ) : Ally Auto Loan ending in XXXX This account had late payments more than XXXX XXXX  ago during a period of financial hardship. Since then, I have not missed a single payment with any creditor and have fully resolved this account, which is now closed with a {$0.00} balance. 


Im writing to respectfully ask for Ally Financials compassion in removing old late payment marks from my closed auto loan. This account is fully paid with a XXXX balance, but it still carries negative history from more than XXXX XXXX  ago, during a period of real financial and personal hardship. 

Since that difficult time, Ive worked hard to rebuild my life. I havent missed a single payment on any account in over XXXX XXXX. Ive enrolled in a debt management plan, made every payment on time, and am actively working toward financial recovery and stability. 

Im not disputing the accuracy of the late payments Im simply asking Ally to consider removing them as a goodwill gesture. These marks are a painful reminder of a chapter Ive overcome and continue to weigh heavily on my credit. 

I contacted Ally directly but received no resolution. Im now asking the CFPB for help encouraging Ally to review my request through a lens of flexibility and compassion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-20 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-20 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief