vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: MO

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am officially requesting the deletion of this incorrect account from my credit report, as I never authorized its establishment or use. Included are the necessary documents to substantiate 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I formally assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made all payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AR

Complaint narrative:
Greetings, In this letter, I would like to request that the following late payment be removed from my copy of the credit report. There is a mistake in the billing. On this particular payment, I was never late. Because my account is set up to pay automatically, I have never missed a payment.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I went to deposit XXXX into the Bank of America XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA at XXXX am according to the receipt. I received fraud alert from BofA at about XXXX saying my card was used at other bofa locations but I had my ATM card in my possession. The total amount missing is XXXX. I am upset because BofA isn't doing enough to protect consumers like me. When I called BofA I was on hold for what felt like eternity and the person I spoke with, didn't show any compassion for me. I put my story on XXXX and what happened to me, is also happening at other locations. They need to have their Atm 's checked for XXXX  every day but they are not doing it. I don't feel I should have to wait to get my money back and to suffer like this. I filed a police report case XXXX XXXXXXXX by XXXX XXXX XXXX on XX/XX/year> with XXXX XXXX XXXX XXXX Department. I feel BofA needs to be held accountable for not securing their ATMs to prevent 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 monetary relief
Consumer complaint received 2025-11-10 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:
Please review the items below, as some of these accounts may be outdated, duplicated, or reported incorrectly. I am asking Experian to check and correct or remove any inaccurate information. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting an account on my credit report in the amount of {$1000.00}, originally from XXXX XXXX XXXX. 

This account should not be on my credit report. The original creditor, XXXX XXXX XXXX, removed this account as part of a lawsuit and settlement, confirming it was not valid or collectible. Despite this, Portfolio Recovery Associates continues to report this account to the credit bureaus ( XXXX XXXX  and XXXX  ), which constitutes false and misleading credit reporting. 

I have sent a cease and desist letter to Portfolio Recovery Associates under the Fair Debt Collection Practices Act ( FDCPA ) and a deletion demand under the Fair Credit Reporting Act ( FCRA ). Under FDCPA 807 ( 8 ), PRA can not continue to report or communicate information they know or should know is inaccurate. Reporting to a credit bureau qualifies as a form of communication under FDCPA 1692a ( 2 ).

They are also in violation of FCRA 623 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate or unverifiable information and failing to remove it after the original creditor confirmed its invalidity. This inaccurate reporting has caused harm to my creditworthiness and has been a source of ongoing stress and damage to my reputation.

I am requesting CFPB assistance to ensure Portfolio Recovery Associates ceases all collection activity and deletes this account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orion Portfolio Services, LLC
State: FL

Complaint narrative:
I am disputing the accuracy of this account reported by Orion Portfolio Services/XXXX XXXX XXXX XXXX The original creditor, XXXXXXXX XXXX  confirmed that my XXXX XXXX XXXXXXXX was charged off on XXXX XXXX, XXXX with a balance of {$610.00} and sold to Orion. XXXXOrion reports {$610.00} and lists a different date, which is inaccurate. 

I am requesting the original signed purchase agreement from XXXXXXXX XXXX I am not requesting bills of sale, internal records, or prior debt validations. Previous debt validation sent on XX/XX/XXXX does not satisfy this dispute. 

Generic template responses citing FDCPA 1692g or prior validations do not satisfy this dispute. Under FCRA 1681i, 1681s-2, and 605, if Orion can not provide the signed purchase agreement, the account must be deleted from all credit reporting agencies. I require a manual review and direct response. 

Attachment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally state that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and any errors in this reporting are both unfair and unlawful.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing in extreme frustration regarding my ongoing credit report issue. On XX/XX/year>, my credit score suddenly dropped from around XXXX to XXXX, and all of my active credit accounts and history disappeared from my Equifax report without explanation. 

I filed a formal dispute and provided full verification of my identity and accounts. I patiently waited 60 days for your investigation. You confirmed that my accounts and information were verified yet nothing has been corrected. My credit score remains at XXXX, and my credit history is still missing. 

I can not wait another 60 days. For XXXX  sake, what is the problem? This is an extremely simple error that took 5 minutes to cause why is it taking so long to fix? Because of this mistake, I can not get a car loan, home loan, or even basic credit, and its affecting my ability to pay essential bills like rent and car expenses. 

I am not asking for money or compensation I only want my accurate credit history and score restored immediately. Please take urgent action to correct this matter now. 

Sincerely, XXXX XXXX XXXX of Birth : XXXX SSN : XXXX Phone : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: KS

Complaint narrative:
I am disputing the accuracy and reporting of the following accounts appearing on my Equifax credit report. I am requesting a full investigation and verification under the FCRA, as I believe these accounts may be reporting incomplete, inaccurate, or unverifiable information.

Charged Off Accounts in Dispute : XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Inquiries I Do Not Recognize / Wish to Dispute : XXXX XX/XX/XXXX XXXX  ( XXXX ) I am disputing the following accounts reporting on my XXXX  credit report. These items appear to be inaccurate or unverifiable and require an investigation under the FCRA to ensure proper reporting. 

Charged Off Accounts in Dispute : XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$39000.00} Inquiries I Do Not Recognize / Wish to Dispute : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-10 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: CMG Financial Services, Inc.
State: TX

Complaint narrative:
My mortgage servicer, CMG Mortgage, approved a Special Forbearance Plan effective XXXX, confirmed in writing on XX/XX/XXXX ). My XXXX  report accurately reflected Account in Forbearance Never Late.

Later, CMG stated in recorded phone calls that the forbearance was being reinstated. XXXX  own internal notes show the reinstatement was supposed to be completed on XX/XX/XXXX. 

However, CMG later told me that the forbearance was cancelled because another request was submitted which I did NOT submit. I never filed a second application. This was a servicing error on XXXX  part. They cancelled my already-approved plan due to their own internal mistake. 

Under FCRA XXXX ( a ) ( XXXX ) ( F ) ( CARES Act 4021 ), an account subject to an accommodation must be reported as current if the borrower was current before the accommodation. My loan is also owned by Fannie Mae, and the Fannie Mae Servicing Guide XXXX requires forbearance loans be reported as current / deferred, not delinquent. 

I repeatedly contacted CMG ( calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Supervisors confirmed reinstatement multiple times and asked me to wait for it to be finalized but the reinstatement was never fully processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I was XXXX  and someone stole my ID and opened an account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was randomly closed by Bank Of America after using my account to conduct business and receive a payment from a business partner on a development deal we had completed. I received about XXXX in total, and upon receiving the money via bank to bank transfers BofA closed my account. I told them that it was completely wrong to close the account and then I requested for my funds which they told me would be sent out after the account was completely closed. I continued to wait patiently by the mail but after a month, I called back and they said they had decided to investigate the funds. Ok, no problem. I asked the sender to call from his side to verify, he did. They told him hed have to wait for a word back just as I would. I then called and they told me a timeline for the investigation. I allowed them to do their due diligence as I feared nothing being that everything was legit. After the investigation concluded and I STILL hadnt received contact let alone a check I called back, they told me they had RELAUNCHED the investigation and reserve the right to launch NEW investigations even if their old investigation turns out that they cant find anything wrong. So basically I have been ROBBED of XXXX for what has been XXXX months.

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 2025-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
On the night of XX/XX/XXXX, XXXX notified me to change my password because my account was compromised from somewhere in Virginia. I changed my password immediately, but not before the person/ people took XXXX from my account on Cashapp for XXXX XXXX to purchase XXXX XXXX 
I immediately reached out to cashapp and they denied my claim, stating that I authorized these purchases. I absolutely did not authorize these purchases. I have also submitted a claim to XXXX. I have not received a response. 
After this, I am closing my cashapp account. I have a bank account but I use this to pay rent, etc. 
I also filed a police report. 
I also have.a screen shot of all the purchases. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am disputing the accuracy and completeness of the information being reported on my Equifax credit report. As a consumer, I am requesting a full investigation into the accounts listed below, as they may be reporting inaccurate, incomplete, or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXXXXXX  Acct : XXXX | Opened : XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-10 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 filing this complaint because XXXX XXXX  ( XXXX ) and the credit bureaus are reporting false and damaging late payment information on my active account number XXXX, even though the account is open and in good standing. Despite being current and paid as agreed, my credit reports show false 90-day late payment remarks, inconsistent update dates, and misleading payment status codes.

This violates the Fair Credit Reporting Act ( FCRA ) specifically 607 ( b ), which requires furnishers and credit bureaus to ensure maximum possible accuracy, 611 ( a ) ( 5 ), which mandates deletion or correction of unverifiable information, and 623 ( a ) ( 1 ) ( A ), which prohibits reporting information known or believed to be inaccurate. 

The inconsistent reporting across bureaus, combined with unverifiable late payment data, proves that proper reinvestigation and verification were never performed. The creditor has not provided any primary documentation such as a signed agreement, detailed payment ledger, or billing statements to substantiate these alleged delinquencies. As a result, my credit score and overall profile have been severely and unfairly damaged. 

This false reporting has caused emotional distress, loss of credit opportunities, and reputational harm by misrepresenting me as a high-risk borrower when I have maintained timely payments. Continued publication of unverifiable late data constitutes willful noncompliance with FCRA accuracy and reinvestigation requirements, as well as a direct violation of XXXX XXXX standards for current open accounts.

Company response to consumer: Closed with explanation