vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Bank of America credit card account in XXXX and have maintained an excellent payment history with no missed or late payments. The card had a {$30000.00} credit limit, and I always paid my bills on time. I am also a long-time Bank of America customer , having held a checking account with them since XXXX. 

In XXXX, I received a new physical credit card with an expiration date valid through XX/XX/XXXX ( picture attached ), which led me to believe the account remained active. However, I recently discovered that the account was closed by Bank of America on XX/XX/XXXX, due to inactivity without any prior notification via mail, email, phone, or text. I had no intention of closing this account. 

As a result, my credit score dropped significantly, despite no negative actions on my part. According to my XXXX XXXX reports ( attached ) : My XXXX score dropped from XXXX to XXXX ( XXXX ) My XXXX score dropped from XXXX to XXXX ( XXXX ) Both score drops occurred on XX/XX/XXXX as shown in attachments, just two days after the account closure, indicating this event as the root cause. The credit report also confirms 100 % on-time payments throughout the life of the account. 

This sudden closure not only removed a long-standing, positive account from my credit history but also reduced my overall available credit which has unfairly harmed my credit profile, especially given that I have consistently demonstrated responsible credit behavior.

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 2025-08-07 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

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 2025-08-07 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage was sold from XXXX XXXX to Select Portfolio Servicing in XX/XX/year>. Ever since then I can not get the statement on time. Every month is arrives in the mail LATE and many times AFTER the due date. I have called dozens of times to complain and remind them of the regulation governing mortgages. That is, the statement MUST be received at least 10 days BEFORE the due date. I have proven time and time again that they are NOT mailing the statements on the day or day after they are generated. I have received separate mail from UTAH ( where the statements printed and mailed ) in 2-3 days. However, the monthly statement arrives 2 full weeks AFTER the statement date-proving that they are NOT mailing the statements on the statement date. 
I do NOT use on line accounts for vendors since they are not secure and as a forensic accountant, I have seen the nightmares which are created when data is hacked. 
Because the statement is ALWAYS late I can not send checks. Since the beginning of their " takeover '' I have paid via ACH- as we all know, ACH funds are sent OVERNITE electronically and MUST be posted to the customers ' account as soon as received. I ALWAYS pay ON TIME. and i ALWAYS pay MORE that what is required. 
THis company ALWAYS takes 2 days to post my payments. NONE of my other mortgage servicers does this- they ALWAYS posted they day received ( ACH ) and sent my next statement a fews days after the current payment posted. 
I want them to stop lying to me about when the statements are mailed. 
They told me they are mailed from Utah- I'm in CA. it only takes 2 days in the mail especially since they hold a FIRST CLASS MAIL PERMIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
Account was paid off two years ago to original creditor. 

Collection was sold to Jefferson credit management. Who works with XXXX. 

They ran me in circles. 

Debt is unowned and report remains visible on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-07 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:
I am submitting this formal complaint against TRANSUNION for its continued reporting of inaccurate and unverified information on my consumer credit report. For the accounts listed under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXXXX ), I made timely payments and fully satisfied the balances before any charge-off status should have occurred. However, TRANSUNION continues to reflect erroneous late payment histories, which misrepresent my payment behavior and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

In addition, TRANSUNION has illegally reinserted two XXXX XXXX accounts ( XXXX and XXXX ) that were previously deleted on XX/XX/year>, without providing me with the mandatory reinsertion notice as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These debts stem from fraudulent transactions, and under XXXX XXXX Liability Policy, I am not legally responsible for them. TRANSUNIONs reporting of these balances is both inaccurate and harmful. I also dispute anotheXXXX XXXX XXXX account ( XXXX ) that is being reported with false late payments despite having been paid on time. Likewise, the XXXXXXXX XXXX XXXX XXXX XXXX ) account continues to show an incorrect balance and inaccurate payment history, even though the account was paid in full.

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 2025-08-07 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 2025-08-07 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I recieved a letter from wells fargo saying they closed my account without any explanation. They refuse to redeem our points worth XXXX XXXX But online app says we have till XX/XX/XXXX to redeem points. But manager said we cant redeem.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MortgagePros, LLC
State: NJ

Complaint narrative:
On XXXX, I received an unsolicited call from Mortgage Pros about refinancing my mortgage. The person calling me had information like who my current mortgage was with, credit card information, and amounts on those credit cards. I asked how he got this information and he got very agitated and hung up. I called Mortgage Pros corporate office and eventually spoke with 2 people, 1 claimed to be President of operations and the other as owner/CEO. The owner/CEO told me that information should not have been available and would have my name removed from any and all contact lists. On XXXX, I received an unsolicited text from another agent of Mortgage Pros. Calls to their headquarters today, XXXX, have resulted in me being placed on hold and no one willing to discuss this issue. They did claim that they purchase lead lists from XXXX, the credit bureau. Since I have not asked for anyone to contact me about mortgages, why would I be included in any mailing lists? Additionally, why would XXXXn give all of my credit information to random companies who purchase lists for leads? Calls to XXXX result in no one at their offices wanting to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and other relevant creditors RE : Second Request Removal of XXXXRelated Information from Credit Report Under FCRA 605C To Whom It May Concern, I am writing to formally request, for the second time, that you remove all credit report entries and cease reporting any information related to accounts that resulted from my experience as a victim of XXXX XXXX  This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ) Section 605C and the National Defense Authorization Act for Fiscal Year XXXXXXXX 
I previously submitted the required documentation on XXXX XXXX, but the information remains on my credit reports. I am now resubmitting the following : A copy of my government-issued ID and proof of identity Documentation verifying my status as a victim of XXXX XXXX A list of accounts that must be removed The accounts that were the result of trafficking include, but may not be limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I applied for a new account with XXXX XXXX XXXX to possibly get a car to transport my XXXX XXXX XXXX child around, and I was denied the account. Please see message below received from XXXX XXXX XXXX : We are sorry, but we are unable to accommodate your request to open an account at this time. Our decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied your request to open an account. You also have a right to a free copy of your report from the consumer reporting agency if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the consumer report you receive is inaccurate or incomplete, you have the right to dispute the matter with the consumer reporting agency. 
Chex Systems , Inc . 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Telephone : XXXX Fax : XXXXXXXX XXXX XXXX XXXX.chexsystems.XXXX If you have any questions regarding your consumer report, you should contact the consumer reporting agency using the contact information above.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for reporting inaccurate and misleading collection information on my credit reports. 

The account was opened on XX/XX/XXXX and is currently listed as a collection account with a balance of {$4700.00}. However, since XX/XX/XXXX, there has been no update to payment activity, and the account continues to be reported as collection each month. 

I submitted a dispute in XX/XX/XXXX, and the comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) was added yet no actual investigation or correction was completed. 

XXXX XXXX has failed to validate the debt or provide any itemized proof. This continued reporting is damaging my credit and violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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