vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I was the victim of a home burglary, during which sensitive personal information was stolen, including documents containing my full name, Social Security number, and other financial details. Following the incident, I discovered multiple unauthorized hard credit inquiries on my credit reports and suspect fraudulent activity using my identity. I did not apply for credit with any of the companies that made these inquiries, nor did I authorize any third party to use my information. I have filed an identity theft report with the FTC ( attached ), and I am working with the credit bureaus to dispute these inquiries and protect my credit. I request that the companies involved in these inquiries remove them from my credit file immediately, as they are the result of criminal activity. This situation is causing damage to my credit and emotional distress. I am happy to provide further documentation, including a police report if needed. Thank you for your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am requesting the early removal or correction of a Bank of America account that is still being reported as a negative charge-off, even though the balance has been paid in full. 

The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The original charge-off amount was {$20.00}, and the last payment was made on XX/XX/XXXX. The balance is currently {$0.00}. 

This account is scheduled to fall off in XX/XX/XXXX, but I believe it should be removed sooner due to the small balance, the fact that it has been fully paid, and the negative impact it continues to have on my credit score. 

I am requesting that this account either be removed from my credit report early or that the charge-off status be corrected to reflect a paid/settled account with no outstanding balance.

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 2025-07-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$370.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account XXXX. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signiture. If not, please delete the account as soon as possibile from my Credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
in XXXX they changed the loan number to XXXXwithout notification to my insurance company and in XXXX i got another loan number change to XXXX our original loan number was XXXX this was when we originally closed on the property around XXXX XXXX since the loan numbers were changed the insurance payments that were supposed to be taken out of the escrow account have been taken from my savings instead as the insurance company was not notified of the new loan account numbers. I received the XXXX number forwarded it to my insurance company XXXX they billed uwm the mortgage company and they never received payment. we contacted uwm and they said the loan had been transferred to another uwm agent which changed the loan number again. I have tried to communicate with the new uwm agent and they say i don't exist in their system. the old loan number they will not talk to me I just get recordings or hung up on. i was just notified by my insurance company XXXX they are still taking payments from my savings not the escrow that uwm has.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 writing to dispute a late payment entry on my credit report that does not reflect my account history. According to my personal records, the payment was made before the due date and processed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Monogram LLC
State: CA

Complaint narrative:
I researched several school loan providers and chose XXXX because they advertised the lowest interest ratesaround 3 %. With a credit score of XXXX and minimal debt aside from my mortgage, I expected to qualify for a competitive rate. However, after being approved, I was surprised to learn that the rate offered to me was 10 %. Despite my strong credit profile, XXXX could not provide a clear explanation for why my rate was so high. Im frustrated and confused by this discrepancy and the lack of transparency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LoanCare, LLC
State: CA

Complaint narrative:
I am experiencing ongoing issues with my LoanCare-serviced mortgage regarding payment processing and escrow accounting. Payments made on XX/XX/XXXX and XX/XX/XXXX were reversed or only partially applied, resulting in unapplied funds and confusion about my principal and escrow balances. Additionally, I noticed unexplained escrow disbursements and reversals affecting my account. 

I have repeatedly requested clear, detailed explanations of these transactions and confirmation of my current loan status and amount due. However, LoanCare has only provided generic replies, often directing me to call customer service, without resolving the issue. 

Expected resolution dates have been extended multiple times ( now to XX/XX/XXXX ) with no clear answers. This situation causes financial uncertainty and stress as I try to keep my loan current and avoid default. 

I seek a written, detailed accounting of my payments, escrow activity, and confirmation of what is owed to properly manage my mortgage. 

Attached are the XX/XX/year> mortgage statement and a recent screenshot of my online account showing payment history and escrow balances. Please review these documents as part of my complaint.

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 2025-07-03 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed and several inaccuracies on my account. this account is hurting my ability to obtain credit.it is my understanding that you will investigate these item for me to ensure accuracy.here is the iteam asking you to verify as accurate : account name XXXX XXXXXXXX { account number { XXXX } high 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 2025-07-03 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Fraud on my account. I have multiple open credit cards that I didnt open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc
State: MS

Complaint narrative:
This company never assisted me with paying down any debt or improving my credit score. They collected instead XXXX payments from me in the amount of {$39.00} and XXXX in the amount of {$26.00} that where per my bank statement all membership fees. XXXX took place in XXXX in the months of XXXX, XXXX and XXXX and then XXXX more took place this year XXXX in XXXX and XXXX. I received no correspondences of any sort from this company. No emails with any info or educational material regarding services to help improve my credit. I unlinked my bank account from them back in XXXX after I signed up for their program because I wasnt comfortable with it. To this day, if I login to their site, it will ask me to link/reconnect my bank account confirming it was successfully unlinked in which I did this in the past as well. Therefore I dont know how they was still able to remove funds from my account. And because they wasnt removing funds monthly, it was very easy to miss these charges. The fact that I unlinked my account and they continued to remove funds should and in my opinion signify illegal removal of funds from my account. I spoke to a rep thru chat and the rep said I didnt qualify for a refund because it had been more than 14 days and that they could only refund me for XXXX. If I cancel my membership and unlink my account, they had no legal right to keep withdrawing from account. I requested a full refund of what was removed which only came to {$180.00} and refused to refund me. They know they have not provided any service and still refused to return my money. I have screenshots of the conversation with the rep and bank statements as well. The rep told me my bank account was still linked but when I asked him why was it asking me to reconnect my bank account on my end, he couldnt provide an answer. Plse do not deal with this supposedly company. I would recommend XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
RE : Formal Dispute of Experian 's Failure to Properly Investigate Disputed Information To Whom It May Concern, I'm writing because I'm really frustrated with how Experian, handled my recent credit dispute. I've recently learned about the CFPB lawsuit against Experian, and i think my situation is connected to the problems they're being sued for.

I disputed these accounts on my credit report, but you didn't seem to investigate it properly do to the FCRA ( FAIR CREDIT REPORTING ACT ) 15 U.S.C. 1681i, '' Procedure in case of disputed accuracy '' mandates if the consumers dispute the completeness accuracy of information the credit reporting agency must conduct a reasonable Reinvestigation within 30 days the agency must promptly notify the furnisher of the information about the dispute and, if the information is found inaccurate, incomplete, or unverifiable, promptly delete or modify it the accounts I'm disputing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And the issue is that the information about this account is incorrect. On top of that, your response didn't explain much. I didn't get any proof of details that i requested and also you didn't give details about how you verified the account. And this is hurting my ability to purchase a home for my family! Here 's what I'm asking for : 1 ). Do a proper reinvestigation as REQUIRED by law. 2 ). Remove the incorrect account or information from my credit report if the company can't verify it. 3 ). Send me clear overall results showing exactly what you did to verify this account and share any proof used. 4 ). Don't let this account come back on my report unless you can prove it's accurate and give me written notice first. and within your investigation as i requested once before you job is to ask the collection agencies for a ASSIGMENT OF CONTRACT OR FULL CHAIN OF ASSIGNMENT, A BILL OF SALE FROM THE ORIGINAL CREDITOR WITH IDENTIFIYING ACCOUNT DETAILS, ACCOUNT-LEVEL DOCUMENTATION ( SIGNED CONTRACT, STATEMENTS, CHARGE-OFF DETAILS, PROOF OF LICENSING AND BONDING TO EVEN COLLET DEBT IN MY STATE, FULL BREAK DOWN OF HOW THE BALANCE WAS CALCULATED ( PRINCIPALS, INTREST, FEES ) .I 'm asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isn't fixed, I'll have no choice but to file a complaint with the CFPB and take further action to protect my rights. Thanks for your time Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation