vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$2500.00}

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: MA

Complaint narrative:
I canceled my EOS Fitness membership in person on XX/XX/year> at their XXXX XXXX XXXX XXXX XXXX location before relocating out of state. Despite following all in-person cancellation procedures and being verbally told it was canceled, EOS continued to bill me monthly. I only recently discovered the charges and disputed them with my credit card. Now EOS has referred the disputed amount to collections, and is denying the original cancellation, claiming I never submitted a 30-day written notice. I dispute this debt and consider EOS 's actions a deceptive and unfair billing practice. They are attempting to collect money for services I never used and refusing to retroactively honor my valid cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I had unrecognized inquiries in my credit report from the agencies credit reporting The companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I had unrecognized inquiries in my credit report from the agencies credit reporting The companies involved are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-08-06 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate

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 2025-08-06 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: NY

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX  XXXX / XXXX XXXX XXXX / XXXX/XXXX  XXXX / XXXX/XXXX  XXXX / XXXX  XXXX  XXXX / XXXX/XXXX  XXXX/ XXXX OF XXXX XXXX / XXXX XXXX XXXX / XXXX/XXXX  XXXX / XXXX  XXXX XXXX XXXX / XXXX  XXXX  XXXX  XXXX / XXXX  XXXX  XXXX XXXX / XXXX/XXXX  XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX  XXXX / XXXX XXXX  XXXX / XXXX  XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX  XXXX / XXXX  XXXX  XXXX / XXXX  XXXX  XXXX / XXXX  XXXX XXXX / XXXX XXXX/ XXXX OF XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX  XXXX XX/XX/XXXX / XXXX  XXXX  H XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX / XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX  XXXX / XXXX XXXX XXXX / XXXX/XXXX  XXXX / XXXX/XXXX  XXXX / XXXX  XXXX  XXXX / XXXX/XXXX  XXXX/ XXXX OF XXXX XXXX / XXXX XXXX XXXX / XXXX/XXXX  XXXX / XXXX  XXXX XXXX XXXX / XXXX  XXXX  XXXX  XXXX / XXXX  XXXX  XXXX XXXX / XXXX/XXXX  XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX  XXXX XXXX XXXX  XXXX / XXXX XXXX  XXXX / XXXX  XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX  XXXX / XXXX  XXXX  XXXX / XXXX  XXXX  XXXX / XXXX  XXXX XXXX / XXXX XXXX/ XXXX OF XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX  XXXX XX/XX/XXXX / XXXX  XXXX  H XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX / XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX / XXXX  XX/XX/XXXX / XXXX XX/XX/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 2025-08-06 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint against Wells Fargo Bank regarding a closed credit card account that is still being reported on my XXXX  credit file with an incorrect status and balance. The account was closed on XX/XX/year>, with a balance of {$340.00}, which exceeds the original limit of {$300.00}. This balance and status are inaccurate and misleading. 

Furthermore, the account appears to have been re-aged and reported as recently delinquent, which violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623, as the account is no longer open and should not reflect ongoing derogatory activity. 

I sent a certified dispute letter to Wells Fargo on XX/XX/year>, requesting the full removal of this account from all credit bureaus. I have not received a proper response, nor have they validated the reporting. The continued presence of this negative and inaccurate item is damaging my credit and causing serious harm to my financial standing. 

I respectfully request that the CFPB require Wells Fargo to delete this account entirely and notify all credit reporting agencies of the correction.

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 2025-08-06 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX Compliance Dispute Request for Investigation of Late Payments To Whom It May Concern, I am writing to formally dispute the late payments reported on my account with XXXX OPEN DATE XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) 623 and 611, I am requesting an immediate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
I am submitting this as a formal follow-up complaint regarding the unresolved title/deed defect associated with my mortgage loan originated/serviced by AmeriSave Mortgage Corporation. Despite my prior complaint dated the matter remains uncorrected and continues to cause significant harm and uncertainty regarding my property rights. 

Background : XXXX. On XX/XX/year>, the mortgage loan for the property located at [ property address ] was closed with AmeriSave.

2. A deed/title error was later identified, specifically that the deed was no filed by closing attorney per closing instructions.

3. AmeriSave acknowledged the error and, according to my understanding, filed a title claim to initiate corrective action.

4. Despite the passage of XXXX  months, no corrective deed has been executed or recorded, leaving my title clouded and my ownership rights uncertain.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-08-06 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 writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-06 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: SC

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I am formally requesting that BSI FINANCIAL SERVICES immediately correct and update the reporting of my account XXXX, which inaccurately reflects XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. These derogatory marks are incorrect and are a direct violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which requires furnishers of information to provide data that is accurate and complete. Your failure to correct this misinformation after my prior disputes constitutes a breach of your responsibilities under FCRA 623 ( b ) ( 1 ) ( C ), which obligates furnishers to promptly delete or modify inaccurate information after conducting a reasonable investigation. I demand that BSI FINANCIAL SERVICES immediately instruct all credit reporting agencies, including TRANSUNION, to delete these erroneous late payments and provide me with written confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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