vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report regarding late payments that do not reflect my payment history. 

The reason for this dispute is that I have noticed a late payment recorded on [ XXXX XXXX & XX/XX/XXXX ] on account [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which does not accurately reflect my payment history. The payments for this account were made on time and within the agreed-upon deadlines. 

I kindly request that you review the information reported on my credit report and correct any errors that may exist. I appreciate your efforts in taking the necessary steps to rectify this error promptly and informing me of the outcome of your review. 

Under consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect information on my credit report. I look forward to the swift and efficient resolution of this matter. 

Please feel free to contact me if you need any further information. 

Sincerely, 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 2025-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have no knowledge or consent to the following accounts or hard inquiries. XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Account # XXXX Price {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I requested a repayment plan in XXXX to XX/XX/year>. The mortgage company approved a repayment plan but I can not afford the repayment plan. Im trying to avoid filing bankruptcy because I can not afford the payment plan if they would offer me a payment plan that was reasonable within a XXXX XXXX XXXX XXXX XXXX XXXX plan That would be more comfortable to my finances, but they only gave me a XXXX month repayment plan which is too expensive. Its like {$6000.00} a month thats like XXXX times my regular mortgage. I can not afford that even by my financials its not affordable so they just stuck me in a repayment plan without thinking!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have requested that my Chime accounts be closed several times. Customer service has told me the accounts will be closed, but they have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This account was opened fraudulently. I reached out and reported it. They removed this but still reporting it as over the limit. I need them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt that I have no idea I even had that debt. Debt is false and I have no knowledge of that debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy On XXXX XXXX, the Reserve at XXXX sent a collection to Aldous & Associates PL for an amount of {$3100.00}. This account balance is not accurate and violates policy of providing verified documentation on this collection. I have been mistakenly informed that this account will not reflect my personal credentials but instead this company violated my rights by overcharging my account. I am asking for this company to provide me with verified documentation that proves this debt belongs to me and if not, I am asking for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint to request immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. I am formally requesting that Experian : Provide a Full Consumer Disclosure Report This includes all information in my file, including archived, suppressed, and secondary database records, as well as the source and method of verification for each item reported. 

Provide Documentation of Original Contracts For each account listed on my file, I am requesting copies of any original, signed Master Promissory Notes or legally binding agreements from each furnisher. If such documentation can not be produced, the account must be deleted as unverifiable. 

Remove Any Inaccurate, Duplicate, or Unverifiable Accounts Experian is obligated to ensure maximum possible accuracy under FCRA 602 ( A ) and to promptly delete any information that can not be verified under FCRA 1681i ( a ).

I am also placing Experian on legal notice that if this request is not fulfilled within a reasonable time, I will escalate this matter by filing complaints with the XXXX XXXX XXXX ( XXXX  ) and the Federal Trade Commission ( FTC ). 

This complaint seeks immediate compliance, transparency, and the lawful removal of any unverifiable or frivolous accounts from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

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 XXXX. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
MY ACCOUNT AS BEEN PAID FOR LOAN FORGIVENESS IT KEEPS REPORTING OLD INFORMATION THE ACCOUNT WAS ONLY 7 YEARS THE INFORMATION REPORTED REPEATEDLY IS THE SAME BALANCE OVER AND OVER AGAIN THEY ONLY CHANGE THE REPORTED DATE WHEN I DISPUTE FROM THE DAY THE ACCOUNT WAS OPENED IT SHOWS PAID OFF THE AGENCY TELLS ME XXXX WRONG IN ACCURATE DATES NOTHING MATCHES AT ALL ON ALL THREE CREDIT BUREAUS NO UPDATED PERSONAL INFORMATION EVERYTHING IS OLD AND PAID OFF MY DOCUMENTS WILL SHOW DIFFERENT PERCENTAGE DIFFERENT DATES BETWEEN ALL THREE BUREAUS

Company response to consumer: Untimely response
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights 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 2025-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am disputing a XXXX late payment reported by Bank of America in XX/XX/year> for my credit card account ending in XXXX. This is not a duplicate complaint it includes additional evidence and response-related contradictions that warrant a full review. 

The delinquency was due to Bank of Americas internal technical failures, not willful neglect on my part. Specifically : Email Notification Failure : Bank of America admitted in their XX/XX/year> response letter that the email address associated with my account was only corrected after I contacted them on XX/XX/year>. This proves I did not receive prior billing statements or alerts due to their misrouting of my information not because of any failure on my part. Before that correction, I was unaware of any missed payment until it already impacted my credit. 

Autopay Setup Failed Without Notice : I attempted to set up autopay, and Bank of America acknowledged this in writing. However, the setup failed, and I never received a confirmation or error message. They wrote : You stated having to set up automatic payments, but the setup failed without your knowledge, and you received no confirmation or error message. That is a technical failure on their side and not consumer error. 

No Reasonable Notification Prior to Reporting : No emails, calls, push alerts, or physical letters were issued to notify me of delinquency which violates the Fair Credit Reporting Act ( FCRA ) requirements to make reasonable efforts before reporting derogatory information to credit bureaus. 

Contradictory Defense : Bank of America argues Im still responsible, even though they admit internally routed email failures. I never manually entered their XXXX address. That is a default system placeholder, which I never input. This suggests the error originated within their systems. 

Fee Waivers Acknowledge Shared Fault : They waived late fees ( {$75.00} total ) as a courtesy. If this was entirely my error, why offer adjustments? This shows implied acknowledgment of shared responsibility. 

Good Faith Action on My Part : As soon as I discovered the problem, I paid the account balance in full and worked with customer service to correct the issue. Autopay is now functioning and verified. This shows my commitment to resolving the matter and staying current. 

This complaint is a continuation and escalationnot a duplicatebecause the company has failed to respond to the specific issues I raised and continues to ignore the lack of notification, which directly led to the derogatory mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
I am formally disputing the accuracy of the information being reported by Experian on my credit report regarding an account listed as : - Creditor Name : XXXX XXXX - Account Type : Installment Unsecured Loan - Account Open Date : XX/XX/year> - Experian Reporting Status : Derogatory Late 90 Days - Comment : Debt included in or XXXX through Bankruptcy Chapter XXXX bankruptcy on XX/XX/year> Disputed Issue : Experian is reporting a XXXX late payment after the account was included in XXXX  XXXX bankruptcy, which was XXXX. This reporting is inaccurate and a violation of my rights under federal consumer protection laws. Violations Cited : - 15 U.S.C. 1666b ( a ) : A creditor may not treat a payment as late for credit reporting purposes if the payment was made within the creditors grace period.

- 15 U.S.C. 1637 ( b ) : Creditors must report accurate statements and account activity to consumers.

Reporting a late payment when the account was in bankruptcy protection is materially false and misleading. 
Additionally, this appears to violate the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or incomplete information to credit bureaus. Supporting Evidence : Attached is a screenshot from my credit report showing the inaccurate late payment reporting after the bankruptcy filing and discharge. The balance was {$0.00} and the account was closed. No payments were required during the bankruptcy protection 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 non-monetary relief
Consumer complaint received 2025-08-03 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: MA

Complaint narrative:
Disputed Account : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX This account was previously deleted from my file. However, it has since been reinserted without proper legal procedure as required by the FCRA. 

Let me be explicitly clear : Violations Committed : 1. Under 1681i ( a ) ( 5 ) ( B ), reinsertion of previously deleted information requires certification from the furnisher confirming the information is complete and accurate.

2. I have not received any written notice within 5 business days of this reinsertion, as required under 1681i ( a ) ( 5 ) ( B ) ( ii ).

3. Furthermore, under 1681i ( a ) ( 6 ) ( B ) ( iii ), you are obligated to provide notice of investigation results and identify the method of verification and contact information for the furnisher. None of this has been Failure to comply with these federal mandates is a direct violation of the Fair Credit Reporting Act and subjects your agency to liability under 1681n and 1681o, which allow for civil damages and punitive remedies. 

I am demanding the permanent deletion of this account from my credit profile across all platforms and data sets. If not removed, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also preparing to initiate legal action for FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit report and noticed I had late payments on my XXXX XXXX account. It was due to the data breaches and someone hacked into my account and prevented me from making a payment in XX/XX/year>. The account was compromised and I would like for the entire account to be blocked and removed from my credit report because the late payments are preventing me from getting approved for credit.

Company response to consumer: Closed with non-monetary relief