vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the company and explained to them this was my account and I didn't sign up for their service and please remove the inaccurate information from my credit report and they refused.

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 2025-11-16 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 contacted the company and explained to them this was my account and I didn't sign up for their service and please remove the inaccurate information from my credit report and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX is reporting to trans union late payments as well as paid as agreed and account paid and closed

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-16 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX {$15000.00} car loan unpaid ; car abandoned by XXXX due to high maintenance Bills. Written off but still on my report Wells Fargo, car lost in XXXX XXXX, XXXX, XXXX, XXXX, still on report. I have had unauthorized credit hits, and it is damaging my credit. XXXX XXXX improperly filled out my taxes in XXXX. They have me receiving over {$500000.00} for the sale of a house. We did a Quick Sale, cash for XXXX. No equity and XXXX dollars received in our bank account. This miserable reporting has all but destroyed me. Please help. 

Respectfully Submitted 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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-16 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:
EQUIFAX ( Reinsertion Violation + Failure to Maintain Accuracy ) Subject : Equifax Illegal Reinsertion of Deleted Tradeline and Failure to Maintain Accuracy Complaint : XXXX  XXXXXXXX XXXX XXXX  was deleted from my Equifax report in XX/XX/year> ( confirmed by my XX/XX/year> report ). 
In XX/XX/year>, this account suddenly reappeared. 
XXXX. Reinsertion Without Notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Equifax reinstated a previously deleted account WITHOUT : notifying me in writing providing the required 5-day notice providing any reinvestigation results This is an immediate FCRA violation.

2. Failure to Maintain Accuracy Equifax is reporting : false delinquency history phantom payment activity furnished by the furnisher data previously determined to be unverifiable in XX/XX/year> XXXX. I requested that Equifax conduct a proper investigation under the Fair Credit Reporting Act, including the accuracy requirements in 15 U.S.C. 1681e ( b ) and the furnisher investigation duties triggered under 15 U.S.C. 1681s-2 ( b ). I specifically asked Equifax to verify or delete multiple inaccurate and unverifiable tradelines, including : XXXX XXXX XXXX XXXX deleted in XX/XX/year> but later reinserted without the required XXXX notice, violating FCRA reinsertion rules under 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) unverifiable account with inconsistent reporting. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX unverifiable and reporting inaccurate dates. 

XXXX XXXX XXXX collection account XXXX XXXX XXXX ) a new, unidentified account that appears fraudulent and was never validated. 

I requested that Equifax verify the accuracy, dates, ownership, and documentation for these accounts, and delete any tradelines they can not verify. Equifax failed to properly investigate or correct the inaccurate reporting as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-16 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint regarding my former Bank of America credit card account, which reports multiple late payments. All of these late payments were reported after the account was already closed, and the remaining balance was only {$62.00}. 
I misunderstood the account closure and believed it had been fully paid. Once I became aware there was a small remaining balance, I resolved it immediately. This oversight occurred during a difficult time, but it was an isolated incident and not reflective of my overall financial behavior. 
I contacted Bank of America and requested a goodwill adjustment because : The account was closed at the time the late payments were reported The remaining balance was only {$62.00} The issue was corrected immediately upon learning of the balance This was an isolated issue during a short hardship I have maintained a perfect payment history on all other accounts since Bank of America responded by stating that the information was accurate, which I understand. However, my request is not to dispute accuracy under FCRA. I am asking for a discretionary goodwill adjustment due to the unique circumstances. 
I respectfully request that the CFPB assist in having Bank of America reconsider my goodwill request and remove the late payment reporting, given the accounts closed status, the minimal balance involved, and the immediate corrective action. 

Thank you.

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 2025-11-16 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
The account was originally with XXXX prior to being transferred to XXXX. I was in a income based repayment plan that was never late. I signed that repayment plan in XXXX XXXX XXXX with a {$0.00} a payment because I was not working and on unemployment. I was never late and they will not correct my credit reports with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OK

Complaint narrative:
No form of communication from this company my rights have been violated.

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 2025-11-16 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: AL

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a reservation through Infatuation ( linked to my Chase Sapphire XXXX card ending in XXXX ) to take advantage of the Chase promotion to receive {$75.00} credit for dining at one of their select restaurants between XX/XX/XXXX and XX/XX/year>. 
The transaction date for my dinner at XXXXXXXX XXXX XXXX was posted as XX/XX/year> in my statement activity, despite my dinner being paid for at the restaurant on XX/XX/XXXX in my local time zone in XXXX  ( XXXX XXXX ), whereas the transaction posted for Chase is in their headquarters ' Eastern standard time. 
I have the XXXX reservation e-mail confirmation and the XXXXXXXX XXXX XXXXXXXX electronic receipt on my email to confirm dinner was booked and paid for on XX/XX/year> around XXXX ( within the time frame of the promotion ). 
I spoke to a Chase team member through the Chase messaging portal to inquire if they can you look into the {$75.00} statement credit from Chase I should be receiving for meeting the criteria for this promotion. 
I submitted and uploaded all of my receipt and reservation email proof to confirm everything was completed on XX/XX/XXXX within the time window of the promotion, but they declined to give me the {$75.00} statement credit to my Chase credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Possible Financial Inc
State: CO

Complaint narrative:
Possible finance is reporting on all three of my credit reports saying I have an outstanding loan and reporting late payments when I have never taken out a loan with them. I have been a victim of identity theft I tried telling them that. My information has been leaked in multiple data breachs from the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: TX

Complaint narrative:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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