vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is reporting my name incorrectly as XXXX XXXX instead of my legal name, XXXX XXXX XXXX. They are also reporting inaccurate addresses. My only correct and current address is XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, NJ XXXX. The following addresses are incorrect and must be removed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. If TransUnion fails to correct this, I will exercise my rights under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. Im asking the CFPB to take action and ensure TransUnion provides written confirmation that these inaccurate personal details have been corrected.

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 2025-07-10 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-10 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: CO

Complaint narrative:
On XX/XX/year> I reviewed my credit report and immediately noticed items that do not belong to me. I have never taken out ANY sort of student loans or the other XXXX. accounts. On XX/XX/XXXX I filed any identity theft report with the Federal Trade Commission which I will include in this complaint. On XX/XX/XXXX I filed a police report with the XXXX Police Dept,. Ive made the credit bureaus aware of this matter and they've done nothing to help in this horrible situation that is causing a tremendous negative effect on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CO

Complaint narrative:
On XX/XX/year> I reviewed my credit report and immediately noticed items that do not belong to me. I have never taken out ANY sort of student loans or the other XXXX. accounts. On XX/XX/XXXX I filed any identity theft report with the Federal Trade Commission which I will include in this complaint. On XX/XX/XXXX I filed a police report with the XXXX Police Dept,. Ive made the credit bureaus aware of this matter and they've done nothing to help in this horrible situation that is causing a tremendous negative effect on my life.

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting this formal complaint regarding a XXXX payment I sent through Bank of America that has not been received by the intended recipient, despite multiple assurances and follow-ups. 
Date of Transaction : XX/XX/year> Amount : {$43.00} XXXX XXXX XXXX : XXXX Bank of America Confirmation Number : XXXX I contacted Bank of America support after the transaction showed Processing. I was told the funds would be delivered within XXXX hours. It has now been over a week, and the recipientwho is confirmed to be fully enrolled in XXXXstill has not received the payment. This has caused unnecessary confusion and stress on both sides. 

Bank of America has not provided clear evidence of where the funds are or which bank is responsible for the delay. I am requesting the following : 1. A full trace of where the funds are now ( confirmation of delivery, hold, or return status ).

2. An investigation case number with expected resolution timeframe.

3. If the payment failed or is stuck, a full refund or reversal of the funds sent.

4. Written confirmation of what action is being taken by Bank of America. 

If no resolution is provided promptly, I will escalate this through regulatory channels and formally dispute the transaction. 

Please respond as soon as possible with documentation or proof of resolution. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] [ Bank of America Account Number last four digits ( 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 monetary relief
Consumer complaint received 2025-07-11 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2025-07-10 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-11 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: FL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: FL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid my entire balance in full on my XXXX  credit card before the due date on XX/XX/year>. I then get an alert that I missed a payment but knew I paid in full. I received a letter that XXXX was closing all accounts not just mine. By the time I found out about the late payment on my credit report, it dropped my XXXX XXXX XXXX points!!!! I have tried to file a dispute without success and cant reach XXXX! Please help! I have several Comenity cards and have never had a late payment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
Bankruptcy reporting on my credit report. which is a public report.

Section 15 U S Code 1681 a ( 4 ) Consumer right to privacy. I want this removed from my credit report my privacy is not being protected The bankruptcy court never reported thisa third party did which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wallet was stolen in XXXX XXXX XXXX and shortly thereafter, I found out someone opened an account for lights in my name. I had the account terminated immediately. Recently, I requested my report from XXXX XXXX XXXX and noticed that someone had either opened or cashed XXXX checks for $ XXXX each at XXXX XXXX  and XXXX  XXXX XXXX without my knowledge. The checks had the same exact number and were cashed/deposited on XX/XX/year> and XX/XX/year>. With that information, I checked my entire credit report and noticed several credit accounts that had been opened without my knowledge. I went to the XXXX Police Department and filed a report regarding this and disputed everything with XXXX. I then sent the police report to all XXXX bureaus and Transunion deleted all of the negative items. Experian and XXXX  sent me letters saying they need the Officer 's name and Badge number which are on the report. I am requesting to have all of these items removed from my report. The items XXXX requesting to be removed : XXXX XXXX- {$490.00} XXXX XXXX {$1400.00} XXXX  {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1700.00} Addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing my police report, a utility bill for my home for the last 5 years

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 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I disputed a collection account reported by PRO COLLECT with all three major credit bureaus ( XXXX XXXX and XXXX  ), as the information is inaccurate and does not belong on my credit report. Despite submitting multiple disputes and providing documentation, the account remains on my report and is still being reported as valid. 

Letters sent : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I then submitted a Method of Verification ( MOV ) request under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 7 ), asking the bureaus to explain how they verified the accuracy of the account. I requested the name and contact information of the party they contacted for verification and the steps taken during their investigation. I received no sufficient response to that request, and the inaccurate account remains on my reports.

PRO COLLECT has also failed to provide full validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), yet continues to report the account and damage my credit.

This is a violation of my rights under : FCRA 1681i ( a ) : failure to perform a reasonable reinvestigation.

FCRA 1681s-2 ( b ) : failure of the furnisher to correct or delete inaccurate information after notice of dispute.

FDCPA 809 ( b ) : if PRO COLLECT is a third-party collector, failure to validate the debt.

I am requesting that this account be permanently deleted from my credit report. If the companies involved can not provide full documentation and proof of the accounts legitimacy, continued reporting constitutes willful noncompliance 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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX 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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX XXXX XXXXXXXX I received a settlement from my worker Composation case for the amount of XXXX shortly after the settlement was deposited I had transferred it to my business account and after I noticed money being charged off my account I notified the bank of the transaction that was not authorized they did not resolve any of my issues I made XXXX complaints to the bank and this the is my final option please help me get this situation resolved I've been homeless because of this situation

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 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received a phone call from a Rocket Mortgage representative named XXXX XXXX who stated there were a few things missing in my application, specifically, pay stubs for my income. I explained that I had already submitted a VOE ( Verification of Employment ) form due to stabilizing hours at my new therapist job and emphasized that I also had two full years of W-2 history in the same field with no employment gaps. During this call, the representative was dismissive, audibly sighing and expressing skepticism about my documentation in a way I found unprofessional. He then questioned where I would get the remaining {$8500.00} for closing, despite having already submitted evidence of {$10000.00} in available funds. When I asked about down payment assistance programs, he was hesitant to acknowledge them and only admitted they existed after I asked twice, stating they wont give you that much. Shortly after that call, I received a formal denial citing my Debt to Income : Non-self Employed Income not supported as the reason. This denial was both vague and misleading, especially considering my field is W-2 employment. When I later spoke with a Rocket Mortgage director named XXXX, he explicitly stated that my income documents had in fact been received and reviewed, contradicting the earlier claim that documentation was missing. XXXX further stated that he was simply told my documents were missing and confirmed that a full underwriting review had not occurred. This lack of internal consistency shows a clear breakdown in Rockets process, a lack of care and diligence applied to my application, and the absence of any follow-up support or attempt to rectify the issue. My file was closed without offering additional solutions or ensuring my documents were fairly considered. When I reached out to Rocket Mortgages Client Relations department to request clarity and access to the phone recordings of both calls with XXXX and XXXX, I was informed that the calls could only be accessed via subpoena. I was also told that my document review request would be evaluated, and that my application had been withdrawn without my knowledge or consent, but as of now, no resolution or transparency has been provided.

Company response to consumer: Closed with explanation