vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
The bank in question is FNBO and the credit card I have is the JAL USA card.

The last two payments I have made they have put an 8 day hold and now currently an 11 day hold on these payments. They said it was because I had 1 previous payment ( from another bank ) returned. So now they have to hold my funds to make sure they clear. I can understand if I was attempting to still use the bank that wouldn't process/ if they held the funds for a day or two. But 8 days and 11 days is unacceptable. 

Current payment I made XX/XX/XXXX. They have advised me over the phone it will not clear until XX/XX/XXXX. The funds have been taken out of my account so they have them. How can a bank keep your funds, and not clear your credit that you paid these funds for. They also told me this issue could go on for a year. They will not return my funds they said until XX/XX/XXXX. I have never heard of this before and have never had an such issue with any credit card company before. Today I called twice about this issue. I also spoke to them twice in the last couple of weeks. They can not tell me which bank I should use to avoid this, suggested trying XXXX but my funds may still be held. Currently they have {$3700.00} of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
DELQNT RCVRY is falsely reporting on my credit. I have never had any accounts with them. Per my research DELQNT RCVRY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: IN

Complaint narrative:
As of XX/XX/year> my mortgage monthly payemnt increased from XXXX a month to XXXX. My mortgage has almost doubled. It was explained that this was caused by taxes being increased. The information provided does not make sense. My house was purchased at XXXX and I'm being charged for taxes on a XXXX property. I spoke to the tax office as well as neighbors and nobody else is experiencing this problem with their banks. 

I need assistance having an expert to review and do a full analysis on my mortgage, taxes, and insurance to determine where the problem is so it can be corrected. Working with Customer Service is not effective. 

Please let me know anything else that is needed.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report that was made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution.

An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-10-13 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: Early Warning Services, LLC
State: OH

Complaint narrative:
I am formally disputing inaccurate information appearing in my consumer report. The item, reported by Early warnings, is listed as a late payment/account issue, but I believe this is inaccurate and not properly verified under the Fair Credit Reporting Act ( FCRA ). 

I request that you verify the accuracy of this account with verifiable proof, such as the original signed consumer agreement. If such documentation can not be provided, please delete this item from my consumer file as required under FCRA 611. 

Please send written confirmation of the results and the steps used to verify this item within 30 days. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ohio Mailing : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
XXXXXXXX XXXX  XXXX blue credit card, On XX/XX/XXXX a jet blue credit card was opened fraudulently using my social security. This account was used to purchase airline tickets in my name which were then canceled and jet blue was contacted by the fraudster in an attempt to get a cash refund. Jet blue sees this all the time and flagged this transaction as fraud so the cash was never given to the thief. I contacted XXXXXXXX XXXX in a timely manner ( XX/XX/XXXX ) when I found out about the fraud to let them know what was going on. XXXX Bank assured me that the account would be closed and the credit bureaus would be notified of the fraud and the account would be removed from my credit report. The same day of the XXXX of XXXX I also submitted a report with the NY XXXX Police and submitted a report to the FTC. 

As of XX/XX/XXXX NOTHING has been done by XXXXXXXX XXXX  to resolve this issue. Jet blue themselves have confirmed that the account was a fraudulent account. I have contacted XXXX Bank at least 3 times and they have lied and lied telling me it would be resolved and removed and it never has been. I was denied my request and I was never notified, the account was then reopened. I wasnt until I called back to find out what the situation was, was found out they denied my request and WITHOUT my permission reopened the fraudulent account. I have done everything in my power to resolve this and XXXX have been very inappropriate and unprofessional with the way they have handled this. 

My credit has gone down by XXXX point to this date because now they are reporting missed payments to the credit bureaus. 

They need to be held accountable!!!!!

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
: Complaint Regarding Unauthorized Hard Inquiries from XXXXXXXX XXXX and Bank of America I am filing this complaint because unauthorized hard inquiries appeared on my credit report from XXXX XXXX and Bank of America. 

I did not apply for any credit, loan, or account with either of these institutions, and I never authorized them to access my credit report. 

XXXX inquiries from XXXXXXXX XXXX appeared on XX/XX/XXXX ( both on the same date ), and XXXX inquiry from Bank of America appeared on XX/XX/XXXX. 

I have already disputed these inquiries directly with both the banks involved and all three credit bureaus ( XXXX XXXX XXXX XXXX ). However, I have not received any response or communication from any of them for several months. 

I am requesting the CFPB to investigate this matter and require that these unauthorized hard inquiries be permanently deleted from my credit report. 

I take my credit very seriously and work hard to maintain a good record. Situations like these whether due to fraud or reporting errors negatively affect my credit standing, and I am simply asking for this issue to be corrected. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I submitted a formal dispute to the credit reporting bureau on [ insert date ] regarding inaccurate late payment remarks on my credit report. 
The account ( XXXX ) I disputed are : XXXX XXXX XXXX XXXX Account # XXXX Late payment ( XXXX ) reported on XX/XX/year> In my letter, I requested : A reinvestigation of the late payment remark ( XXXX ) Proper verification and documentation of the derogatory reporting A description of the method of verification used, as required by FCRA 1681i ( Section 611 ) As of today, over 30 days have passed and I have not received a response, nor has the inaccurate information been corrected or removed from my report.

This failure to investigate and respond violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy I am now forced to escalate the matter due to the bureaus noncompliance.

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 2025-10-13 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: VA

Complaint narrative:
Equifax XXXX XXXX XXXX ( XXXX XXXX. XXXX ) LEGAL NOTICE OF IMPROPER INACCURATE ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION The presence of the inaccuracy due to Equifax XXXX and XXXX XXXX XXXX Breaches XXXX I will be seeking legal action if this issue is not rectified under federal laws and removed. I have contacted agencies to assist me with this matter because the information is fraudulent, the accounts below were not agreed upon. 

I further assert that your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. 

XXXX. I am the lawful owner of the Social Security XXXX referenced above and have been since its issuance. 
XXXX. My personal identifying information, including my Social Security XXXX, name, date of birth, and other sensitive data, was compromised in the Equifax data breach and TransUnion data breach. 
XXXX. I have documentary evidence proving that my Social Security XXXX was directly impacted by these data breaches. 
XXXX. I did NOT authorize, apply for, open, or otherwise consent to the following accounts, inquiries, or credit activities appearing on my credit reports : a ) Consumer Portfolio Recovery : # XXXX : {$2000.00} Opened XX/XX/XXXX b XXXX XXXX XXXXXXXX XXXX XXXXXXXX : # xxx {$520.00} : Allegedly Opened : XX/XX/XXXX c ) XXXX XXXXXXXX XXXX XXXXXXXX : # xxx {$400.00} : Allegedly Opened : XX/XX/XXXX d ) XXXX XXXX XXXX : # xxx {$960.00} : Allegedly Opened : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX : # xxx {$600.00} : Allegedly Opened : XX/XX/XXXX f ) XXXX XXXX Ser : # xxx {$100.00} : Allegedly Opened : XX/XX/XXXX XXXX. I did NOT receive any money, goods, services, or benefits from the fraudulent accounts listed above. 
XXXX. I did NOT give permission to any person or entity to use my personal information to obtain credit, goods, or services. 
XXXX. The signatures appearing on any applications for the disputed accounts are NOT my signatures, and I did NOT authorize anyone to sign on my behalf. 
XXXX. I did NOT provide valid government-issued identification to open any of the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT 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 non-monetary relief
Consumer complaint received 2025-10-13 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: NV

Complaint narrative:
I am a victim of XXXX XXXX. Experian deleted a fraudulent account ( XXXX XXXX XXXX Account # XXXX ) from my credit report on XX/XX/year>, but reinserted it on XX/XX/year>, without any notice or verification documentation. 

This reinsertion violates the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted information must be certified and written notice sent within 5 business days.

15 U.S.C. 605B Requires blocking of identity theft information once reported.

I have attached my FTC Identity Theft Report, Affidavit of Identity Theft, and proof of deletion

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 2025-10-13 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: IL

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include information that is accurate, complete, and verifiable. I request that these late payment entries be thoroughly verified, and if they can not be confirmed, I ask that they be corrected or removed.

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