vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Subject : Notice of Error under RESPA / Regulation X Failure to Process Final Mortgage Payment \nDear Bank of America Mortgage Servicing Department XXXX Pursuant to the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X ( 12 CFR 1024.35 ), I am writing to submit a formal Notice of Error related to your servicing of my mortgage loan : Description of the Error\nOn or around XX/XX/year>, On the credit reports it shows XXXX x XXXX XXXX & XXXX XXXX your system failed to process the final scheduled payment on my mortgage loan due to a discrepancy between the autopay amount set and the final payment amount due for less. 

Although funds were available and the autopay was properly configured, your system refused to process the lower final amount, resulting in a missed payment that was : Not caused by borrower neglect ; Not reflective of any true delinquency ; The result of an autopay configuration limitation within your servicing system. 
This failure to accept a valid and timely payment due to your system design constitutes a servicing error under 12 CFR 1024.35 ( b ) ( 1 ) and ( 11 ) : Failure to accept and apply a properly made payment ; Any other error relating to the servicing of a mortgage loan.

Requested Resolution\nGiven that I had a perfect 20-year payment history prior to this single event which arose from a servicer-controlled autopay limitation I respectfully request the following : Immediate correction of the account records to reflect that the final payment was not late due to borrower error. 
Removal of negative reporting to the credit bureaus tied to this incident. 
Written confirmation that this issue has been resolved and that no derogatory marks remain on my account or credit report. 
Documentation Included\nMortgage statements showing autopay setup and final balance Payment history showing consistent on-time payments Any correspondence regarding the failed final payment Servicers Obligation to Respond\nUnder 12 CFR 1024.35 ( d ), you are required to : Acknowledge this Notice of Error within 5 business days, and Investigate and respond in writing within 30 business days. 
If no timely response is received or this matter is not corrected, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and consider other legal remedies. 
I appreciate your prompt attention to this matter and trust it can be resolved quickly and amicably.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and 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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My credit card and checking account information got leaked I was wrongfully scammed for {$4000.00}. I do not. Have Any information other than what navy federal told me That my Accounts are closed and I have to pay {$4000.00} to be reconsidered to open a new account. 
Navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because a XXXX credit card account ( ending in XXXX ) appears on my credit report, but I have written documentation from XXXX stating that the account was closed because they were unable to verify my personal information. 

In a notice dated XX/XX/year>, XXXX wrote : We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor. 

This confirms that XXXX could not verify the account as mine. Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item of information that can not be verified must be deleted from a consumers credit file. 

I disputed the account with Experian and included this letter from XXXX, but Experian refused to delete it, stating that they must report what XXXX provideseven though the data furnisher admitted they can not verify the account. This is a direct violation of federal law. 

I am requesting that the CFPB compel Experian to delete this unverifiable account from my credit report and ensure that XXXX updates their reporting accordingly.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX  bankruptcy filed Pheaa/ AES Loan included was told by lender loan non dischargeable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint because a Discover credit card account ( ending in XXXX ) appears on my credit report, but I have written documentation from Discover stating that the account was closed because they were unable to verify my personal information. 

In a notice dated XX/XX/year>, Discover wrote : We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor. 

This confirms that Discover could not verify the account as mine. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), any item of information that can not be verified must be deleted from a consumers credit file. 

I disputed the account with XXXX and included this letter from Discover, but XXXX  refused to delete it, stating that they must report what Discover provideseven though the data furnisher admitted they can not verify the account. This is a direct violation of federal law. 

I am requesting that the CFPB compel Experian to delete this unverifiable account from my credit report and ensure that Discover updates their reporting accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is reporting collection accounts from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX that contain inaccurate and misleading information, despite having received my formal disputes with supporting documentation via certified mail on XX/XX/XXXX. 

Both accounts were originally charged off in XXXX, but are being falsely presented as newly delinquent. Specifically : XXXX XXXX  is reporting a XXXX XXXX account as opened on XX/XX/XXXX, with first delinquency in XX/XX/XXXX, when in fact the last payment was made XX/XX/XXXX. The account was closed and charged off over four years ago. 
XXXX XXXX is reporting a XXXX XXXX account XXXX opened in XX/XX/XXXX, concealing the original charge-off timeline from XXXX. 

This tactic constitutes illegal re-aging under the Fair Credit Reporting Act ( FCRA 1681c ), which prohibits resetting the date of first delinquency to artificially extend the reporting period. 

Despite my dispute and request for reinvestigation, TransUnion has failed to correct the false dates or remove the inaccurate information. These accounts continue to damage my credit by appearing as recent derogatory marks, which they are not. 

TransUnions actions violate my rights under : FCRA 1681i failure to conduct a reasonable reinvestigation.

FCRA 1681c continuing to report inaccurate dates and re-aged debt.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are inaccuracies on my report, The below items are being reported as late on my credit profile and need to be removed immediately. Here are the accounts that are reporting as an error on my credit report check below. 

XXXX XXXX XXXX account XXXX XXXX. balance {$3500.00} opened XX/XX/2015 reporting ( 90 days late ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX. balance {$7400.00} opened XX/XX/2015. reporting ( 90 days late ) Please remove these accounts under FCRA XXXX ( a ) ( 2 ) furnishers are required to report current account status correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
There are inaccuracies on my report, The below items are being reported as late on my credit profile and need to be removed immediately. Here are the accounts that are reporting as an error on my credit report check below. 

XXXX XXXX XXXX account XXXX XXXX. balance {$3500.00} opened XX/XX/2015 reporting ( 90 days late ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX. balance {$7400.00} opened XX/XX/2015. reporting ( 90 days late ) Please remove these accounts under FCRA XXXX ( a ) ( 2 ) furnishers are required to report current account status correctly.

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 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
The representative confirmed that the debt is showing that I did not have insurance at this time. Which I confirmed that was not correct because I did have insurance. When trying to give the representative the insurance information to update they refused and denied my request to update factual information to correct the wrongful information that is causing the collection amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Third parties companies are using my information to inaccurately submit information to my consumer report without my written permission and have no proof that written permission was given

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Third parties companies are using my information to inaccurately submit information to my consumer report without my written permission and have no proof that written permission was given

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this formal follow-up regarding my original complaint ( # XXXX ), and the related complaint ( # XXXX ), which remains unresolved despite Navy Federal Credit Union ( NFCU ) issuing partial reimbursement. 
While NFCU has credited my account for the unauthorized transactions totaling {$3200.00}, their response fails to fully resolve the issue or account for the broader harm caused. Most importantly, NFCU has failed to explain how such a serious security breach occurred, or what steps they are taking to ensure it wont happen again. 


Unresolved Issues Include : No explanation of how someone was able to walk into a branch, impersonate me, obtain a debit card, and immediately withdraw thousands of dollars. 
No assurance or policy change has been provided to prevent this from happening to me or other members again. 
No formal written explanation has been offered, despite multiple requests. 
No compensation has been offered for the severe emotional distress, financial hardship, and time lost. 
NFCUs lack of urgency and transparency throughout the process has added to the harm experienced. 




I am requesting : {$2500.00} in compensation for financial disruption and emotional distress. 
A detailed security incident report and written explanation of how the fraud was allowed to occur. 
A description of corrective actions NFCU has implemented to prevent similar future occurrences. 

The nature of this breach involving in-branch access and identity failure is extremely serious and raises red flags about NFCUs security protocols. I respectfully request that this matter be escalated for supervisory review and that my original complaint be reopened or reclassified accordingly. 

Thank you for your attention to this critical matter. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation