vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Experian continues to report three XXXX XXXX XXXX tradelines ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as Paid, Closed yet still coded as Charge-Off / Potentially Negative. This is factually inaccurate, incomplete, misleading, and non-compliant with Metro 2 standards. A paid, closed account can not simultaneously be coded derogatory. The reporting is contradictory, unverifiable, and materially misleading. 

Additionally, these tradelines are now time-barred and obsolete. Under FCRA 605 ( a ) [ 15 U.S.C. 1681c ], charge-offs may not be reported beyond 7 years + 180 days from the date of first delinquency. These accounts exceed the permissible reporting period and must be deleted. Continued publication of obsolete data is a direct statutory violation.

I have disputed these repeatedly for over 12 months. Experian has failed to conduct a reasonable reinvestigation and continues to maintain inaccurate, obsolete, and unverifiable data in violation of FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ).

Experian also continues to report an address I never lived at : XXXX XXXX XXXX XXXX  MA XXXX ( XX/XX/XXXX ). XXXX and TransUnion deleted it, but Experian refuses. This unverifiable address is factually false, misleading, and non-compliant with Metro 2 personal identifier standards, creating risk of mixed file and identity confusion.

Experians ongoing reporting of obsolete, inaccurate, incomplete, and unverifiable data after repeated disputes is clear evidence of Metro 2 non-compliance and willful FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been banking with Bank of America for 20 years. I have been a gold tier rewards member for a number of years. On XX/XX/year>, I went to XXXX, XXXX XXXX XXXX XXXX bank location, to get a bank check. I was told there was a {$15.00} fee starting on XX/XX/year> because I had been dropped from the Gold Tier Rewards. I spoke to XXXX XXXX ( Senior Banker ) and XXXX XXXX ( XXXX XXXX XXXX ) and they both lodged a complaint since I never received any written or verbal communication from Bank of America of this change. They agreed to file a formal complaint since they could not reverse the fee for the certified bank check at the branch. I have yet to hear anything from Bank of America about the fee or their lack of communication and notice about my account rewards status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$9400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
This complaint is submitted to formally invoke my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and demand that Experian immediately block all fraudulent information appearing on my consumer credit report. These entries are the direct result of identity theft and unauthorized activity. You are legally obligated to block this information within four business days of receiving this complaint.

The following inquiries and accounts are fraudulent, unauthorized, and must be removed : Fraudulent Hard Inquiries : - XXXX XXXX XXXX XXXXXX/XX/year> Fraudulent Accounts and Collections : - XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX These fraudulent entries have severely impacted my FICO credit score and financial standing. I did not authorize any of these accounts, inquiries, or collections. They are the result of identity theft and must be blocked immediately.

Attached is a copy of my FTC Identity Theft Report, issued by the U.S. Federal Trade Commission, which verifies that all listed items are the result of identity theft and fraud.

I demand written confirmation of the actions taken to block and remove these items. Failure to comply within the required timeframe may result in further legal escalation and regulatory 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 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I purchased a new XXXX XXXX from XXXX back in XXXXXXXX XXXX XXXXXXXX and I am under my fathers account and they gave me one free week of service and then in XXXXXXXX XXXX XXXXXXXX I received a letter from the collections company source receivables management that I owed {$200.00} to XXXX, when I called them they assured me theyll take care of it and give me a call back and I still havent received a call from them, I called today and they just said theyre waiting on the money and that was the only option, XXXX wouldnt help resolve the issue or tell me why I owed the money and the collections company said it was because I never canceled the account when the representative at the store never told me that and I asked him if I had to do anything, I also never received anything from XXXX such as a bill but they state it was delivered on there end

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have been trying to get them to update my current mailing address since last year. I asked the representative today to do it and she refused to do it. Shellpoint please change my address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My new address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please do your job

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( Closed ) Attn : XXXX Department XXXX. XXXX XXXX XXXX XXXX PA XXXX XXXX : Request for Account Information ( Not a Dispute ) To Whom It May Concern, I am writing regarding the above-referenced account. Please note that this letter is NOT a dispute of the account. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported.

In accordance with 15 U.S.C. 1681e ( b ) ( Compliance Procedures ) and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ), I respectfully request that you provide the following documentation and details regarding this account : The Date of First Delinquency.

The Date of Last Payment.

The Date of Charge-Off ( if applicable ).

The Complete Chain of Assignment, including the names of any prior owners or assignees of the account.

Please provide the requested information in writing within seven ( 7 ) days of receipt of this letter so that I may properly update and verify my records.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Originally, i received an email from XXXX XXXX on behalf of Caine & Weiner for a balance of {$3000.00}. 

On XX/XX/scrub>, 2025, I received a written settlement offer from Caine & Weiner for a debt with XXXX in the amount of {$2300.00}, which I formally accepted in writing the same day. 

On XX/XX/scrub>, 2025, I received a subsequent email stating that the settlement amount had been raised to {$2800.00}. Despite my prior written acceptance of {$2300.00}, I was pressured to pay the higher amount.

I have attached copies of both emails ( the original {$2300.00} offer and my acceptance, and the {$2800.00} demand ) as evidence.

I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692e ( false or misleading representations ) and 1692f ( unfair practices ).

I have made atemp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: WA

Complaint narrative:
I'm using the SELF app. And I can't log in to my account. I'm trying to make a payment and see my activity. It says that my account is blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Based on my ongoing experience with XXXX XXXX  has become clear that they intentionally take actions to cause late payments, thereby charging late fees as part of their business model.

They continue to report two 30-day late payments on my credit, despite providing an email acknowledging their mistake and agreeing to correct the error and refund the late fees, which they've failed to do.

I've enclosed a copy of the email and the scheduled Auto Pays that XXXX did not draft.

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