vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-15 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I initiated an ACH transfer for {$4000.00} using my MidFirst bank account to debit my long-established external XXXX checking account ACH linkage on XXXX XXXX. 

XXXX showed funds were debited XX/XX/2025. As of today, XX/XX/2025, MidFirst still has the {$4000.00} on hold. The representative I spoke to could not tell me why. I initiated a formal complaint with the bank and they gave me reference number 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 2025-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In 2022, two checking accounts were opened in my name with Bank of America. Later that year, both accounts were closed and reported to XXXX XXXX XXXX as Closed for Cause, with one marked as involving Checking Account Fraud. I dispute these classifications. 

In or around XXXX, my purse and phone were stolen. This theft included my state ID, debit card, and other personal identifying information. I believe someone may have accessed or misused my accounts or personal information after that incident. I was not notified by Bank of America of any fraud investigation or given the opportunity to respond before the accounts were closed. 

Since then, I have been unable to open any bank accounts due to the report on my XXXX XXXX XXXX file. I have submitted a written dispute to Early Warning Services and requested a full reinvestigation. I have also attempted to contact Bank of America about the issue but have not received sufficient resolution. 

I am asking the CFPB to ensure that Bank of America and XXXX XXXX XXXX conduct a fair and complete investigation and remove any unverifiable or fraudulent information. I was XXXX XXXX old at the time and unaware of how to properly address the situation after the theft occurred.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: FL

Complaint narrative:
Showing late on payments when in deferment. Request was made to startt date of deferment as of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the fraudulent accounts that are listed under my credit profile. These accounts are not mine, were never authorized, and have no connection to my financial activity. Their presence has inflicted unnecessary harm by misrepresenting my financial character, diminishing my creditworthiness, and creating barriers to my ability to obtain fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Calls multiple times per day from different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
New transfer customer Freedom Mortgage XX/XX/year> Customer beware Pay attention to your escrow analysis!!!! 

I called Freedom Morntage XX/XX/year> spoke with XXXX XXXX XXXX XXXXXXXX requesting escrow surplus of {$350.00} be applied to upcoming year escrow. XXXX XXXX Freedom mortgage does not " allow '' surplus funds to be reapplied towards future payments. 
XXXX called me back apoligized after investigating and speaking with additional supervisors & stated that my escrow surplus funds would be applied to my upcoming expected escrow payments and to allow XXXX business days for the funds to post & a new analysis would be provided. 

Called Freedom Mortgage XX/XX/year> Spoke with XXXX ID # XXXX She stated the surplus funds were added back into my escrow account. However my payment would still increase and a new analysis would not be provided reflecting my acctual current escrow balance. 

( Without the {$350.00} surplus added ) Previous years projections {$12000.00} actual activity {$9200.00} Part XXXX of my escrow analysis states that my total Disbursement will be {$8900.00} divided by XXXX  months increasing my mortgage from {$1700.00} to {$1700.00} This is including decreased projections If a current analysis would be properly calculated deducting my surplus from the expected total disbursement my cost goes to {$8600.00} annually decreasing or at the very least keeping my mortage payment the same for the next 12 months. 

I politley requested another supervisor and the call was disconnected. 

This is my XXXX interation with Freedom mortgage since being transferred from XXXX XXXX and Freedom agents need to be retrained. The supervisors confirm the surplus escrow can be added back into your escrow, agents all deny. The funds were added back into my escrow. Please Freedom Mortgage recalcualte my new mortgage amount immediatley. 

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-15 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 feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-09-15 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: FL

Complaint narrative:
My credit file contains multiple accounts that originated from identity theft crimes committed against me, none of which I personally opened, applied for, or approved through any legitimate means. These illegitimate entries have wreaked havoc on my financial stability, preventing me from securing reasonable mortgage rates, qualifying for business loans, and even affecting my employment opportunities due to credit checks. The ongoing presence of these fraudulent accounts has created a cascade of problems that extend far beyond my credit score, impacting my family 's housing situation and my children 's educational prospects. The stress and anxiety from constantly battling these false entries has taken a severe toll on my physical and mental health, requiring medical attention and therapy sessions.

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 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Hello, I had contact them to see what company it was.They gave me the company 's name and said that it was a lawsuit on me.So I tried to dispute that item and delete it all my credit report and they will not take it off.So I do not know what else to do i need this item to be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I have reached out to deferit on multiple occasions to resolve my balance BEFORE the due date and there was no response. They then reported a later payment to my credit and that is unfair and unlawful. I tried reaching out and they have not assisted 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 non-monetary relief
Consumer complaint received 2025-09-15 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:
I have reached out to deferit on multiple occasions to resolve my balance BEFORE the due date and there was no response. They then reported a later payment to my credit and that is unfair and unlawful. I tried reaching out and they have not assisted 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 2025-09-15 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 law under USC 1681g requires you to remove these accounts within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
This letter is to follow up my second formal dispute under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ) regarding late payment information currently reported on my credit file. I previously disputed these accounts, but the reporting was not corrected or properly verified.

I am now demanding a reinvestigation of the following tradelines, which I believe are being reported inaccurately, and request their immediate correction or deletion if proper verification can not be provided. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$17000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$17000.00} Open date : XX/XX/XXXX Last activity : XX/XX/XXXXXXXX XXXX XXXXXXXX {$9600.00} Open date : XX/XX/XXXX Last activity : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
Northern Star failed to address my documented hardship request. I clearly asked about a hardship plan due to job loss, but their reply only confirmed an automatic ACH debit already taken, which I never disputed. My request to revoke ACH moving forward and set up a reasonable hardship arrangement was ignored. This lack of response leaves me vulnerable to overdrafts and harassment. I expect my rights for written communication to be respected and a fair resolution offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Equifax, so many certified mail return receipts have gone out to them, and they never correct my report, and will send me a letter or postcard stating to resend the same information I have just sent out. The last Certified Letter sent to correct my report was on XX/XX/year>. Have not responded to my request to correct the old address I do not stay at anymore. continue to show Charge off account when a 1099 was never sent out to me, they took the credit with the IRS, and that is considered fraud. A discharged debt can not be late, ever. XXXX reported late, and Charge Off after bankruptcy, and contacted me after the XXXX. I requested that Equifax also delete this wrong information from my credit report. 

Trans Union, unable to get a credit report I have been blocked or suspended for years on their websites, even though I had an account with them after the data breach and identity theft, always had to call in, wait for hours to speak to a customer service representative, and that last contact was on XX/XX/year>, and even after given my DL SS information and doing a face recognition with customer service person she stated they could not identify me, later sent out a letter on stating my identity was compromised in their system but I could never get into my account to see this and after disputing my report by certified mail so many times never received a response from them. 

Experian continues to report old addresses and refuses to remove them or update my present address, which is not on my DL, but everything else. Will not correct the report, just update the same information. Even after sending a demand letter by certified mail for correction. All companies have passed the 90 days to send out my re-investigation dispute for correction to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Equifax, so many certified mail return receipts have gone out to them, and they never correct my report, and will send me a letter or postcard stating to resend the same information I have just sent out. The last Certified Letter sent to correct my report was on XX/XX/year>. Have not responded to my request to correct the old address I do not stay at anymore. continue to show Charge off account when a 1099 was never sent out to me, they took the credit with the IRS, and that is considered fraud. A discharged debt can not be late, ever. XXXX reported late, and Charge Off after bankruptcy, and contacted me after the XXXX. I requested that Equifax also delete this wrong information from my credit report. 

Trans Union, unable to get a credit report I have been blocked or suspended for years on their websites, even though I had an account with them after the data breach and identity theft, always had to call in, wait for hours to speak to a customer service representative, and that last contact was on XX/XX/year>, and even after given my DL SS information and doing a face recognition with customer service person she stated they could not identify me, later sent out a letter on stating my identity was compromised in their system but I could never get into my account to see this and after disputing my report by certified mail so many times never received a response from them. 

Experian continues to report old addresses and refuses to remove them or update my present address, which is not on my DL, but everything else. Will not correct the report, just update the same information. Even after sending a demand letter by certified mail for correction. All companies have passed the 90 days to send out my re-investigation dispute for correction to my 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
Consumer complaint received 2025-09-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of an unauthorized address being reported on my consumer credit file, as well as multiple fraudulent hard inquiries that I did not authorize or initiate. 

Fraudulent Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I do not recognize the aforementioned address or inquiries as belonging to me. The aforementioned address and inquiries appearing on my consumer credit report maintained by you were not provided, authorized, or initiated by me. All of the aforementioned entries are the result of identity theft and fraud. 

FTC Identity Theft Report # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have had a XXXX  XXXX that I made payments to pay it off weekly. It has a XXXX dollar credit limit. I checked my credit report and it says I owe over XXXX. The dates of XXXX reporting agencies are all wrong when it was open and closed. These inconsistency makes me believe it's fraud and I want it removed completely off my credit report. I have screenshots if needed.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
XXXX did not send me statements. they claimed I switched to electronic delivery of statements but I never did and I never received statements. For a charge of {$30.00} they marked me as delinquent. A supervisor promised to rectify the issue and remove the delinquency from my credit report but then I received a letter that it wouldn't be done. I also reached out to XXXX XXXX XXXX  and received a rejection ( attached ).

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