vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint because Equifax, TransUnion, and Experian ( or its reporting partners ) is displaying false credit information on my credit report. Specifically, they are listing a trust account or trust-related financial asset as if it is a personal financial asset or liability of mine. 

XXXX XXXX XXXX XXXX is reporting two such accounts : One in the amount of {$1900.00} Another in the amount of {$650.00} I am only the beneficiary of the trust. I am not the trustee, I have no legal control, and I do not own the assets. Therefore, it is misleading and inaccurate for this account to be reflected as part of my personal credit report.

This misreporting is harmful. It has caused me to be denied financial assistance, and it affects my credit score unfairly. Under the Fair Credit Reporting Act, I have the right to a credit report that is accurate and free from misleading or unverifiable information. I have already contacted the credit reporting agencies directly to dispute this. However, the issue has not yet been corrected. 

I am requesting that the CFPB investigate this matter and ensure that the credit reporting agencies and XXXX XXXX are accurately reporting my information and not violating my consumer rights. 

Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2025-06-13 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:
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. 

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 XXXXXXXX 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 XXXX 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 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 2025-06-13 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:
This is a formal dispute regarding fraudulent accounts reported in my name. I am not associated with these accounts in any way. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I request their deletion within 15 days. Supporting materials are included.

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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Bank of America for mishandling of a routine banking request and subsequent unacceptable customer service, which XXXX have affected my credit profile. 

On Fri, XX/XX/XXXX, I contacted Bank of America to request a * * replacement check * *. However, instead of processing this correctly, a Bank of America representative mistakenly issued a * * XXXX XXXX * *. As a result, an unwanted and unauthorized * * XXXX transaction * * appeared on my account. I did not request or consent to any such XXXX  issuance. 

When I called customer support to have this corrected, I was shocked to be told that I would need to physically travel over * * XXXX miles * * to a Bank of America XXXX XXXX in order to resolve the issue an issue that was entirely the banks fault. This response is not only unreasonable but also punitive toward me as the customer. 

I have made multiple attempts to resolve this matter through Bank of America 's support channels, but have received no meaningful assistance or accountability. I am now deeply concerned that this mistake XXXX have had XXXX implications for my credit history, over which I had no control. 

I am requesting the XXXX assistance in : - Investigating this improper handling of a financial transaction - XXXX Bank of America XXXX the transaction and any associated reporting - Requiring a written apology and explanation from the bank - Confirming that my credit report will not be impacted in any way Please let me know if you require supporting documentation or further details. I am prepared to provide screenshots, account records, and transcripts of my calls.

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 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XX/XX/year>2025 I got discharged from a bankruptcy because I could no longer afford it. So I went online and researched hardship from the bank that holds the loan. The hardship says they will defer payments and even lower payments to accommodate my budget, however when I called them they said that's only for certain people and told me they needed {$12000.00} or I need to file bankruptcy again otherwise they would exercise there right to repossess the vehicle.

Ally Financial is the lien holder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX Subject : Dispute of Repossession and Request for Documentation Dear XXXX XXXX , I am writing to formally dispute the repossession of my vehicle, which occurred on XX/XX/year>, as well as the subsequent auction that took place on XX/XX/year>, where my vehicle was sold for {$9400.00}. I have not received any prior notification or documentation regarding the repossession or the auction, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX ACCOUNT # XXXX I am requesting the following documentation to support your claim of repossession : 1. A written notice of repossession, as required by law.

2. Proof of the auction, including the auction documentation.

3. An accurate account of my balance owed at the time of repossession.

According to Section 609 of the FCRA, I have the right to request and receive documentation that verifies the accuracy of the information reported about me. I expect you to provide the requested documents within the required timeframe. If you are unable to produce these documents, I request that you remove any negative information related to this repossession from my credit reports with Experian and XXXX.

Please consider this letter as my formal dispute concerning the inaccurate reporting on my credit file and the unlawful repossession of my vehicle.

Thank you for your prompt attention to this matter. I look forward to your response within 7 days as mandated by the FCRA.

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 explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: AL

Complaint narrative:
I can not amend my previous complaint so I am submitting a new one with more information.

My original issue still stands with CRI.

My 2 Federal Student Loans were transferred to a new service provider.

Previously I had XXXX and now it is CRI.

I received an email this morning ( Fri XX/XX/XXXX ) that informed me of this change and stated the following regarding payments : " Action : Update Automatic Payments With New Account Info If you were making automatic payments through your previous servicer, you can simply log in to your CRI.studentaid.gov account to see if your automatic payment details transferred to CRI 's auto debit. If they did, no action is needed, and if not, you can sign up in the same location. '' I created my CRI account and checked to make sure there were no actionable steps that I needed to take I noticed that the account was in Administrative Forbearance AND that the interest accrued seemed higher than normal.

I checked the loans and the interest displayed was 4.29 % which was higher than what XXXX and StudentAid.gov has listed ( 4.04 % ) I checked my autopay settings and they did receive the info from XXXX, I have been on autopay for years. They have the next auto pay date set to XX/XX/2025 with no way for me to change it.

Nowhere in that email did it say they were going to put accounts transferred in automatic Administrative Forbearance for 2+months and strip away the .25 % discount during that time.

The Studentaid.gov site does not list either of the loans with CRI as being in forbearance. They show them with CRI and In Repayment AND 4.04 % fixed interest. They show that the next payment is due XX/XX/2025 but CRI says XXXX payment until XX/XX/2025. 


1. They did not inform me that the auto-debit discount would be paused.

2. They misrepresented that no action was needed, when in fact the borrower ( me ) will be penalized ( through a higher interest rate ) for 2+ months.

3.They placed the account in forbearance and paused the discount without consent or adequate notice.

4. If my account is in forbearance they are not correctly reporting statuses to studentaid.gov, which clearly shows the account " In Repayment '', which could cause my loans to go into default at the federal level.

5.The terms of the loan may not have been changed but the application of the interest rate has, in a way that materially affects the borrower ( me ).

It is deceptive servicing practices It is failure to honor payment agreements It is lack of clear disclosures It is predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in XXXX XXXX, I ask that they be removed within XXXX  days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$86.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I already disputed this account, yet it still appears on my credit report with inaccurate and incomplete details. XXXX now making a formal request for the description of your investigation process. You are required to provide this within XXXX  days of receiving this notice. If you cant verify the information or fail to reply on time, you must remove the account. Please see the attached letter from my previous dispute for reference. I expect your prompt response.

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