vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/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 2025-11-28 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: FL

Complaint narrative:
The entry contains deficiencies and inaccuracies pertaining to my financial standing. I ask that it be examined and corrected to reflect the truth.

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 2025-11-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting removal of inaccurate and outdated addresses on my credit report. 
These addresses do not belong to me or are no longer associated with any active accounts. Under the FCRA requirement for maximum possible accuracy, I am requesting immediate deletions. My current address is verified in the attached documents. 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 2025-11-28 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: PA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 explanation
Consumer complaint received 2025-11-28 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 am filing this formal complaint due to unauthorized inquiries in my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : 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 XXXXXX/XX/XXXX Specific Violations of the FCRA and Legal Basis : 1. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 
2. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision.

3. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate 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 2025-11-28 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.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Subject : Bank of America Incorrect Reversal of ATM Deposit & Failure to Properly Investigate Fraud Complaint : On XX/XX/year>, a stranger approached me at a Bank of America ATM and asked for help receiving money through Cash App. He inserted my debit card into the ATM himself and made a {$300.00} cash deposit into my account. I immediately became suspicious, did not complete any XXXX XXXX transfer, and did not keep any of the money. I immediately withdrew {$300.00} in cash ( receipt attached ) and handed the money back to him at the ATM. He left. 

Bank of America later reversed the {$300.00} deposit, claiming a shortage in currency, even though I was not the person who made the deposit and did not benefit from it. I reported the situation as fraud and explained that a stranger used my card to make the deposit. 

I provided : The ATM deposit receipt The ATM withdrawal receipt The details of the fraud attempt Despite this, Bank of America denied my claim ( letter attached ) and held me financially responsible for a deposit I did not perform and did not keep.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
The company keeps sending me emails everyday and I don't know why that's harassment and my I was a victim of identity theft and fraud do to data breach and dark web they need to stop and leave me alone like I say I don't sign up for credit cards or loans until I have written signed and takin a picture of my I.D and selfie this is so a scammer can't just use my info and get a credit card in my name so any company in with should have these if they don't then it's fraudulent and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Strata Elite card.

Citi requested that I submit a 4506 form.

I submitted the form on time.

I verified that Citi received it.

Shortly afterward, my card was closed.

Given this timeline, I dont understand why my documentation wasnt processed and why the account was closed so quickly. Please explain the reason for this action and advise what steps I should take next.

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 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Our mortgage loan ( XXXX ) with Truist Bank is current and in fact, we are making extra payments towards our mortgage so that the mortgage will be paid off as soon as possible. 
We received a letter from Truist Bank dated XX/XX/year> claiming that in order to bring our loan current and thereby cure the default, we must pay the past due installments ( and late charges and/or authorized expenses ) in the amount of ( {$13000.00} ) ( this amount may not reflect suspense funds ) ; plus any additional fees, monthly payments and late charges as they become due between the date of this letter and the deadline stated in Section 3 below.

Item 3 in the letter states that we must cure the default within 35 days of this letter or XX/XX/year>. 
To make things easier, I am attaching a copy of the letter we received from Truist Bank.

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 2025-11-28 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-28 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: AL

Complaint narrative:
I hereby submit this letter as an official dispute of the accounts in question. I have no relationship with them and did not authorize their origination. A full review and removal are requested. Supporting documents are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-28 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: KY

Complaint narrative:
New Mailing Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security : XXXX Previous Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX To : TransUnion Equifax Experian Date : XX/XX/XXXX Subject : URGENT MATTER Address Update and Fraudulent Account Removal To Whom It May Concern, I am submitting this letter as an urgent request to update my mailing address to the address listed above and to challenge fraudulent accounts that have been inaccurately reported under my name.

I have already filed an FTC Identity Theft Report, and I am formally disputing the fraudulent items listed below. These accounts were not opened by me, and I am requesting their immediate removal from my credit file.

In accordance with my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), the items listed below violate the following statutes : 15 U.S.C. 1681 Section 602 ( a ) : Establishes my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits a consumer reporting agency from furnishing a report without written instructions from the consumer.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishers from providing information they know or should know is inaccurate.

These fraudulent items violate my rights to privacy, accuracy, and fair reporting. I demand that these accounts be fully investigated and removed immediately. 
Remove Unauthorized Fraudulent Accounts Listed Below : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-11-28 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: KY

Complaint narrative:
New Mailing Address : XXXX XXXX XXXX XXXX, KY XXXX Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security : XXXX Previous Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX To : TransUnion Equifax Experian Date : XX/XX/XXXX Subject : URGENT MATTER Address Update and Fraudulent Account Removal To Whom It May Concern, I am submitting this letter as an urgent request to update my mailing address to the address listed above and to challenge fraudulent accounts that have been inaccurately reported under my name.

I have already filed an FTC Identity Theft Report, and I am formally disputing the fraudulent items listed below. These accounts were not opened by me, and I am requesting their immediate removal from my credit file.

In accordance with my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), the items listed below violate the following statutes : 15 U.S.C. 1681 Section 602 ( a ) : Establishes my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits a consumer reporting agency from furnishing a report without written instructions from the consumer.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishers from providing information they know or should know is inaccurate.

These fraudulent items violate my rights to privacy, accuracy, and fair reporting. I demand that these accounts be fully investigated and removed immediately. 
Remove Unauthorized Fraudulent Accounts Listed Below : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation