vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-18 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: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am disputing multiple inaccurate items on my Experian, Equifax, and Transunion credit report dated XX/XX/year> Despite previous attempts to resolve the issues, several accounts remain inaccurately reported, including charge-offs and inconsistent statuses. I have attached a letter detailing each dispute and request a reinvestigation per FCRA guidelines.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-18 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX/XXXX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX agency , 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. This fraudulent, inaccurate, and false information consists of XXXX 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 XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a XXXX XXXX XX/XX/XXXXaccount with Bank of America in the amount of {$36000.00} using a Business Check issued by the US Treasury.

Upon opening the account and making the initial deposit, BOA handed me a receipt that the funds would be made partially available by XX/XX/XXXX in the amount of {$29000.00}. 

They stated a hold would be applied to the account since this was a new account but that the full amount would be available by XX/XX/XXXX at XXXX XX/XX/XXXX. 

XX/XX/XXXX came and gone, XXXX dollars were available. 
XX/XX/XXXX came and at XXXX the full amount of {$36000.00} was made available in my account. I had access to my account online so took a trip to the bank to make a withdrawal. 

Upon arrival to the bank located at XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX I attempted to make a {$16000.00} withdrawal ( they did not provide me with a deposit slip so I wrote the amount down and slid the paper to the teller ) The teller refused to issue the amount and told me that my account is on another 48 hour hold and that I should have received a notice to my email.

I checked my email and there was no notice.

After becoming very irritable and being helped by the Manager, the BOA fraud department over the phone informed me that they need another 48 hours to review my account but that even past the 48 hours there was NO GUARANTEE that my funds would be available. 

I repeatedly asked for WRITTEN statement of why my account is on hold if the funds were already released into my account? They could not answer this question and they repeatedly refused to issue any written statement. They gave me a phone number to call the following day to check on the status of my account. 

The following day I call the number as instructed, I am told repeatedly that they can not verify my identity over the phone and instructed me to go back to a branch and speak to a representative. 

After this call I attempted to log back into my BOA online account and was revoked access completely. I was given a number to call that appeared on the screen. 

I called the number I was given, verified my identity manually over the touch phone service, was told by the automated system that my balance was still {$36000.00} and then transferred to a live agent. 

The live agent told me they could not help me over the phone and that I needed to make an appointment online to visit a branch and speak to them in person. 

I attempted to make the appointment as instructed and BOA again locked me out of my account and prevented me from doing so. 

I was left with no other choice but to file this formal complaint as Bank of America is very blatantly illegally withholding my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 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: IL

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 XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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: MD

Complaint narrative:
XXXX XXXX XXXX has ballooned my loan balance without informing me in writing. They then began reporting my account as past due, late 30 days, and an inaccurate increase amount to the credit bureaus. This information directly conflicts with the information on my account portal. I have always paid as agreed and never 30 days late. I've requested for the information to be changed to accurately reflect my payments as agreed. They harass me by calling up to ten times daily to force me to speak with them when I do not need to. In the past they have used harassing tones and threats, leaving me on hold or transferring me multiple times and not recording the information correctly. I can not pay the balance at one time and want to continue to make monthly payments until it is paid. 
XXXX reported to Transunion credit burea that I am 30 days past due in XX/XX/2025, and that my increase was {$1100.00} creating a balance from {$7000.00} to {$8100.00}. That is false my account statement reflects current balance of {$6400.00} as of XX/XX/2025, and payment due not past due. I want XXXX to stop reporting my account 30 days late and update the information as paid as agreed.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file.

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing this account immediately.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital Systems is fraudulently putting collections accounts on random individuals credit reports. There are at least a XXXX people dealing with them right now for the same reason. They never identified themselves as a debt collector when they started sending me harassing phishing text messages. they have never sent me any documentation of proof. I keep trying to dispute the collections account of {$6100.00} and have gotten nowhere. I have NEVER had {$6000.00} to spend at once. never in my life. They will not be getting a XXXX from me. I will be taking legal action and starting a class action lawsuit against this company. Theyre messing with my life goals and I will NOT put up with it. Something needs to be done about this company. Theyre FRAUDULENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Financial Services
State: FL

Complaint narrative:
Loan Misrepresentation / Truth in Lending Act Violations I am reporting Consumer Financial Services ( CFS ), a finance company in XXXX XXXX XXXX, FL, for predatory lending and violations of federal Truth in Lending laws. 

I was pressured into refinancing an auto loan that was no longer legally backed by a vehicle. The car was sold by a tow company, and no lien existed, yet they still classified it as an auto loan. I requested written clarification about the collateral and terms, which they ignored. I was then pressured to sign in person and was laughed at for raising questions. 

They also refused to provide me with a copy of the signed contract or supporting documentation via email. I still have not received a Schedule A or lien contract. 

Their practices appear intentionally deceptive, targeting vulnerable borrowers under stress, and designed to obscure key facts. I request your agency investigate this finance company for violations of federal lending disclosure I was asked to refinance a loan allegedly tied to a XXXX XXXX XXXX, but the vehicle had already been removed from their possession and transferred to a third-party tow yard. Despite this, CFS still listed the refinance as an auto loan, without disclosing that the vehicle was no longer collateral. 

I asked multiple times ( via email ) for written clarification regarding the loan status, lien, and other contract details. These were ignored. I was told to come in person and felt pressured, intimidated, and laughed at when I raised concerns. I ultimately signed under distress and without being given full access to the documentation, which they still refuse to send by email. 

I believe this may involve violations of the Truth in Lending Act, state consumer protection laws, and general unfair/deceptive lending practices. 

I am requesting a full investigation and assistance obtaining a release from the fraudulent loan and any related debt, as well as accountability for their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX [ SSN Last XXXX Digits : XXXX [ Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Unauthorized Reinsertion of Deleted Account XXXX Card ( {$5400.00} ) To Whom It May Concern, I am writing on behalf of XXXX XXXX  to dispute the unauthorized reinsertion of a previously deleted account listed as XXXX XXXX {$5400.00} on her Experian credit report. 
This account was removed, and its recent reinsertion has occurred without proper notice or certification, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any deleted information is reinserted, Experian is legally obligated to provide the consumer with written notice within five ( 5 ) business days, along with certification of accuracy from the furnisher. No such notice or certification has been received.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) and 1681b, I am demanding that this account be permanently deleted and blocked from any future reinsertion on XXXX XXXX Experian credit report. 
Please send written confirmation that this account has been fully removed and blocked from further reporting. 
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
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
b"We were a disabled household. We had a developmentally disabled child; and myself. I have been disabled since I was an adolescent. We had a Section 8 Voucher. We had been at our apartment for about XXXX  years. The apartment did not perform an adequate background check on some new tenants they let in. These tenants began assaulting and malicious harassment in XXXX  2023 AFTER they had already received a XXXX XXXX XXXX. We immediately requested redress of grievance from the landlord and our pleas went ignored. On XXXX I was assaulted in the first degree, this was caught on camera. In XXXX  2025 we received death threats from the male illegal trespasser against our kids. He had just the prior March stomped his mother in her stomach until she defecated herself, and the prior 1st degree assault made his threats legitimate. All of this information about these illegal trespassers was available in the public domain; XXXX  at their parent companies failed their due diligence and willfully assisted them with overstaying their XXXX XXXX XXXX. We had to take our special needs kids away and the landlord XXXX XXXX did nothing despite our numerous and persistent emails for redress of grievance. This is an effective Constructive eviction and breach of peace and enjoyment. This whole thing caused us to lose our XXXX  voucher. Then, in XXXX  2024 they filed an eviction under an incorrect legal name and incorrect address without serving proper notice. They had every capacity to email us and willfully chose not to. Then, they put XXXX on our credit report. All of this was done under misrepresentation and fraud. We believe this was willful disability discrimination; willful violation of peace and enjoyment; violation of due diligence; breach of quiet peace and enjoyment; and willful misrepresentation and fraud against us. We were too poor and I was too sick to defend ourselves in court. Since we had already had a XXXX XXXX XXXX signed against us, we couldn't get legal assistance to fight any of this because it was against their funding agreement.\n\nThe liable XXXX  entities are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2012 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nand their Principles:XXXX XXXX XXXX XXXX XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

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