vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), residing at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. On XX/XX/XXXX I obtained my credit data, and on XX/XX/XXXX I sent formal disputes to Innovis, XXXX, and XXXX regarding inaccurate, inconsistent, and unverifiable information, including incorrect personal identifiers ( name, address, employer ) and missing/miscoded XXXX XXXX fields that prevent objective verification.

Under FCRA 607 ( b ), 611, 623 ( a ), 1681e ( b ) ( maximum possible accuracy and reinvestigation ), I requested an independent reinvestigation, proper notation of my dispute, and correction or deletion of any unverifiable data. To date I have not received documented verification or complete corrections within the statutory timeframe, which is unfairly harming my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
I am submitting this complaints as a concerned consumer regarding an account reported under XXXX ( Account ending in XXXX ). According to my credit report, this account shows a 120-days late payment reported in XX/XX/XXXX, with a balance of {$890.00}, opened on XX/XX/XXXX, and last active on XX/XX/XXXX. This late reporting, however, does not accurately reflect my true payment history or the actual events that occurred on this account. 
When I initially opened this account, I maintained consistent payments and communication with the creditor. There was never a verified instance of a late or delinquent payment that aligns with what is being shown. The reporting of this account as Late Open gives a misleading impression of irresponsibility that contradicts my documented payment pattern and correspondence with the lender. 
Under 15 U.S.C. 1681i ( a ) ( Section 611 of the Fair Credit Reporting Act ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Upon receiving this letter, you are obligated to conduct a reasonable reinvestigation to verify the accuracy of this entry. If you can not verify it with proper documentation from the original creditor, it must be corrected promptly. 
Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers of information to correct and update any inaccurate or incomplete data once they receive notice of a dispute. If XXXX can not substantiate this Late Open status with valid records, the entry should be removed or amended to accurately reflect the accounts true standing.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy when preparing consumer reports. Reporting an account as Late Open without definitive proof of such a status is a clear violation of this principle.

Lastly, 15 U.S.C. 1681c ( a ) prohibits the inclusion of obsolete or misleading data that misrepresents the consumers payment behaviour. I am therefore requesting that your agency review this account and ensure that it reflects only verified, factual information in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
I am submitting this complaints as a concerned consumer regarding an account reported under XXXX ( Account ending in XXXX ). According to my credit report, this account shows a 120-days late payment reported in XX/XX/XXXX, with a balance of {$890.00}, opened on XX/XX/XXXX, and last active on XX/XX/XXXX. This late reporting, however, does not accurately reflect my true payment history or the actual events that occurred on this account. 
When I initially opened this account, I maintained consistent payments and communication with the creditor. There was never a verified instance of a late or delinquent payment that aligns with what is being shown. The reporting of this account as Late Open gives a misleading impression of irresponsibility that contradicts my documented payment pattern and correspondence with the lender. 
Under 15 U.S.C. 1681i ( a ) ( Section 611 of the Fair Credit Reporting Act ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Upon receiving this letter, you are obligated to conduct a reasonable reinvestigation to verify the accuracy of this entry. If you can not verify it with proper documentation from the original creditor, it must be corrected promptly. 
Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers of information to correct and update any inaccurate or incomplete data once they receive notice of a dispute. If XXXX can not substantiate this Late Open status with valid records, the entry should be removed or amended to accurately reflect the accounts true standing.

Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy when preparing consumer reports. Reporting an account as Late Open without definitive proof of such a status is a clear violation of this principle.

Lastly, 15 U.S.C. 1681c ( a ) prohibits the inclusion of obsolete or misleading data that misrepresents the consumers payment behaviour. I am therefore requesting that your agency review this account and ensure that it reflects only verified, factual information in accordance with federal law.

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 2025-11-01 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
It is very frustrating that the inaccurate accounts continue to appear on my credit report despite everything I have done. I really need these documents to be checked thoroughly so I can finally have some peace of mind and not have to deal with this anymore.

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 2025-11-01 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:
It is very frustrating that the inaccurate accounts continue to appear on my credit report despite everything I have done. I really need these documents to be checked thoroughly so I can finally have some peace of mind and not have to deal with this anymore.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America to request assistance and a written hardship option after experiencing financial hardship and job loss. Despite multiple communications, Bank of America continues to ignore my written-communication-only request and has refused to provide any clear explanation of available relief programs. Instead, they keep sending automated payment notices and directing me to call their collections department, which directly violates my right to written correspondence. 

This situation is now escalating, as my next payment is due on Monday and due to their silence, my minimum paying is over a XXXX dollars! and I still have no written confirmation of any hardship accommodation, deferment, or alternative arrangement. Bank of Americas handling of this matter is unprofessional and negligent they have failed to respond appropriately to multiple written hardship requests and are placing me in a position of potential delinquency despite my ongoing good-faith efforts to resolve the matter. 

Bank of Americas actions mirror bad faith tactics. I am filing this complaint to document Bank of Americas continued disregard for fair communication and hardship assistance obligations.

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 2025-11-01 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: Omega RMS, LLC
State: MO

Complaint narrative:
Omega RMS keeps calling me back to back regarding setting up payments and trying to get me to say my social security card on a recorded call and I'm declining and it keeps reporting to my credit reports negatively without proof to my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I am filing this complaint because the collection company is attempting to collect a debt that I do not owe, and they have failed to provide proper validation required by federal law. They continue collection activities without proving the legitimacy of the alleged account, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In my dispute, I formally requested full validation under 15 U.S.C. 1692g, which requires the collector to provide competent and verifiable evidence before continuing any collection efforts. They have not supplied : A signed contract or agreement with my name and signature An itemized accounting and full payment history proving the amount they claim The name, address, and account details of the original creditor Proper proof of assignment / purchase agreement showing the collector has legal standing to collect, including chain of title from the original creditor to the current collector Despite failing to provide the above, they : Continue to pursue collection activity May be reporting inaccurate information to the credit bureaus Have not marked the debt as disputed, if reporting it Refuse to cease communication as required by law These actions constitute violations of, including but not limited to : 15 U.S.C. 1692g ( b ) - Failure to validate before continuing collection 15 U.S.C. 1692e Use of false, misleading, or deceptive means 15 U.S.C. 1681s-2 ( a ) Reporting inaccurate credit information 15 U.S.C. 1681i Failure to investigate disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple late payment notations reported by XXXX or more creditors. These reported delinquencies are negatively affecting my credit profile and do not accurately reflect my true payment history or account standing. I am requesting that you conduct a full review of my file to ensure all reported late payments meet the standards of accuracy, completeness, and verifiability required by federal law. 
Specifically, I am disputing all late payment entries that appear to be erroneous, unjustly reported. In XXXX of XXXX  my mortgage account was reported delinquent and after numerous calls and going to the extent of sitting down and going over every payment on my bank statements Flagstar Bank would not remove this late payment from my account. I provided a statement and copies of my bank statements as proof of payment Flagstar Bank did not remove this inaccurate 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 explanation
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$2500.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 explanation
Consumer complaint received 2025-11-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-11-01 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: CA

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate items reporting on my consumer credit files, including unauthorized inquiries and unverified accounts. 

I have contacted the credit bureaus directly in writing and disputed these items. I clearly stated that several inquiries were not authorized by me, and requested verification of the permissible purpose under 15 USC 1681b. The credit bureaus did not provide proof, verification, or documentation showing that I granted permission for these companies to access my credit report. 

There are also accounts reporting that can not be verified and no signed contract or original documentation has been produced to validate them. 

I requested that the bureaus reinvestigate these items pursuant to 15 USC 1681i. They either failed to reinvestigate properly, or continued to report these items without providing supporting documentation or proof of verification. This has caused harm to my credit profile and financial standing. 

I am requesting CFPB intervention so that the bureaus and/or furnishers are required to : Provide verification and documentation proving the accounts and inquiries are valid OR Permanently delete all unverifiable and unauthorized items I have provided written disputes to the bureaus, and affidavits and they failed to correct or verify the information. 

I want all inaccurate / unverified accounts and unauthorized inquiries removed permanently

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 2025-11-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
contacted XXXX 's XXXX XXXX to inquire about obtaining an HVAC system. On Monday XX/XX/year> a sales person from Air Experts ( sub-contractor for XXXX 's ) arrived at my residence to give me an estimate. Prior to his arrival, I had already inquired with another company for an estimate to get an idea of the coast. They quoted me {$5400.00} for a XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX the sales person for Air Experts, initially was quoting me {$8000.00}. I explained to him that I had received an estimate for the {$5400.00} and wanted to keep it in that price range. XXXX, contacted his Manager XXXX for authorization for the amount of {$6000.00}. XXXX said Okay and the appointment for the installation was scheduled. I put the entire amount on my Lowe 's credit card. I was never given a written quote as per XXXX 's website indicated. 
Fast forward to the day of the installation ; XXXX installers arrived at my residence and proceeded with the installation without explaining anything to us, such as make model, unit size, efficiency etc. 
Upon completion of the install, the installer had me sign several documents on his work XXXX. At this point, the invoice reflected an amount of {$10000.00}, which was obviously an error on their behave. XXXX contacted the company and the new invoice was sent to me via email and indicated the correct amount that was quoted to me in the amount of {$6000.00}. I also noticed on the invoice the unit was a much lower grade than the XXXX XXXX quoted me. A XXXX XXXX XXXX XXXX XXXX was installed. When I raised the issue, the installer and XXXX 's failed to receive it. I then canceled with both companies ' vis email/text within the XXXX hours period. Neither companies responded nor did they acknowledge my request. 
I recently discovered that the unit they installed is almost XXXX years old. I have quested a replacement of the system however XXXX XXXX declined and said it was not possible because the system is already registered to me. 
They have come back with an offer of {$3000.00} with no warranty and I keep the system. I declined. Their final offer was for Air Experts to remove the condenser and coil from the HVAC system. I have disputed these charges with Synchrony ( XXXX XXXX ) at least XXXX times and they keep sending me a letter saying Im responsible for the full amount. I have mailed Synchrony card services XXXX pages of emails and text messages which is only a small fraction of proof of cancellation etc. I have recently been diagnosed with XXXX and have stated to XXXX CEO via email as well as XXXX XXXX that this emotional distress was not healthy for my well being however we still could not agree on a fair resolution.

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 2025-11-01 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Multiple incoming wires and payments. the bank found one to be a concern. Would not let me withdraw other funds and then issued an account closure. I am not able to access any funds at all which creates an extreme hardship. Numerous payments will missed which may result in legal action and excessive late fees against me

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains a repossession record that I believe is inaccurate or can not be verified. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I am entitled to a completely accurate credit report. I request a thorough review of this repossession entry, and if it can not be confirmed as valid, I ask that it be removed from my report.

Company response to consumer: Closed with non-monetary relief