vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-10 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has been reported inaccurately and should be deleted immediately. I never consented to it. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2. Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

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 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
Summary of Issue : I am disputing a {$3200.00} debt being collected by First Financial XXXX XXXX ( FFAM ) on behalf of XXXX XXXX XXXX XXXX. The alleged debt concerns damage to a vehicle I never rented. XXXX has provided no valid documentation linking me to the damaged car. 

Details : On XX/XX/XXXX, I rented a XXXX XXXX XXXX ( XXXX, XXXX XXXX ) from XXXX in XXXX XXXX, CA, under a signed rental contract. Months later, XXXX claimed I owed for damage to a different car a XXXX XXXX ( XXXX XXXX ). ( See attached ) Attachment Description : Attachments include : signed rental agreement ( correct VIN ), Enterprise damage claim packet ( different VIN ), XXXX  internal record showing post-rental vehicle swap, and prior correspondence demonstrating this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: WA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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:
I am submitting to formally dispute several entries appearing on my credit report that I believe to be inaccurately reported, unverifiable, or in violation of the Fair Credit Reporting Act ( FCRA ). These accounts include inaccurate addresses, late-close accounts, and collection accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$13000.00} XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate or incomplete and to request a reinvestigation by the credit reporting agency. FCRA 607 ( b ) mandates that all information in consumer credit reports must be reported with the maximum possible accuracy, and 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly or negligently reporting inaccurate 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 explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting to formally dispute several entries appearing on my credit report that I believe to be inaccurately reported, unverifiable, or in violation of the Fair Credit Reporting Act ( FCRA ). These accounts include inaccurate addresses, late-close accounts, and collection accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX : {$4300.00} XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$13000.00} XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate or incomplete and to request a reinvestigation by the credit reporting agency. FCRA 607 ( b ) mandates that all information in consumer credit reports must be reported with the maximum possible accuracy, and 623 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly or negligently reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am contacting you regarding an account reported to TransUnion under the name XXXX XXXX XXXX. I do not recognize or authorize this account, nor did I consent to the release or sale of my personal information to your agency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting written verification of this account, including a copy of any signed agreement and account documentation proving its validity.

Until proper verification is provided, you must immediately cease reporting this account to all credit bureaus and refrain from collection activity.

Please respond to this request within the legally required timeframe of 30 days.

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 2025-10-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Dear CFPB Investigator, I am filing this complaint against Golden 1 Credit Union, located in XXXX, California, for furnishing false, misleading, and illegally re-aged credit information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related CFPB regulations. 
Golden 1 Credit Union continues to furnish inaccurate and inconsistent payment data to the credit bureaus, which appears on my XXXX XXXX ( XXXX ) report. The account shows an impossible payment pattern of XX/XX/XXXX ( 4 30-day, 1 60-day, 31 90-day lates ) even though the account was charged off in XX/XX/XXXX. 
Once a charge-off occurs, no new delinquencies can legally accrue. By reporting thirty-one 90-day-late payments, Golden 1 effectively extends delinquency reporting through XX/XX/XXXX, which is chronologically impossible and materially misleading. 
When I contacted XXXX  directly, the representative confirmed this tradeline does not appear in my official credit file. This inconsistency proves that Golden 1 Credit Union is furnishing inaccurate data to at least one bureau. 

Additional Violation Illegal Re-Aging of Debt The continued reporting of 90-day-late payments after XX/XX/XXXX constitutes unlawful re-aging. Under FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and CFPB guidance, a furnisher may not reset or extend the Date of First Delinquency ( DOFD ) to prolong negative reporting. 
Golden 1s actions misrepresent the true age of the account, artificially depress my credit score, and violate FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( inaccurate furnishing ) and 1681s-2 ( b ) ( failure to correct after notice ).

Requested Remedy I respectfully request that the Consumer Financial Protection Bureau : Compel Golden 1 Credit Union to immediately delete the entire tradeline from all consumer-reporting agencies ( XXXX XXXX XXXX XXXX 


Require Golden 1 to restore the accurate Date of First Delinquency ( DOFD ) and cease all unlawful re-aging practices.

Mandate written confirmation to me and the credit bureaus that deletion or correction has occurred.

Investigate Golden 1 for systemic non-compliance with FCRA 1681s-2 ( a ) and ( b ).

Impose appropriate civil or administrative penalties if willful or negligent violations are confirmed. 


These false reports have caused tangible financial harm, including credit denials, reputational damage, and emotional distress. I am requesting full deletion and compliance confirmation. 


Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I went to my bank to make a large withdrawal in order to go purchase a vehicle. 
Three different people handled the money and ran it through a money counter but the cash was never counted out to me. 
When in the process of purchasing the vehicle one of the pre-bundled stacks came out a single {$50.00} Bill short. 
When I make contact with the bank they assured me the money counter got it right and that no action could be taken. 
I've never made a large withdrawal and not had my cash counted out before, not only that but the fact that three people had to handle the money leaves much room for discrepancies. 
To be honest I was hoping to at least hear the bank say let us check into this and maybe even check the cameras. 
My grandmother, grandfather and my mother, have all done business with this Bank so we've got over 60 years of History at this location. 
For them to just brush it off is offensive to say the least. Especially over {$50.00}. 
I'll be moving the remaining funds in my account to one of my other bank accounts and cease to do business with them simply because they refuse to hold on to the old values like physically counting out money for their customers. That simple process would have avoided this entire situation.

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 2025-10-10 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: TX

Complaint narrative:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all three bureaus is in clear violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure accuracy.

The bureaus are also in violation of 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete information about my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
I noticed that several inaccurate accounts are still appearing on my credit reports and they were never removed. This situation has been very difficult for me, so I am pleading for the attached documents to be carefully reviewed so I can finally stop worrying about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-10 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Im writing you to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate not only that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation