vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I am writing to you to request a goodwill adjustment for a couple late payments that are on my account from XXXX, XXXX. I always make my payments on time and make every effort to fulfill my financial responsibilities, but during this time period was a hardship for me. At the time of these late payments, I was dealing with unforeseen medical issues. My trucking business wasnt running at 100 % during this time due to XXXX restrictions. I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual historical creditworthiness. I have been a happy customer since XXXX and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing this mark from my credit reports. 

I am now trying to buy a new house and buy a car and I am having trouble doing so due to my credit score decreasing due to this late payment.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I am asking that this late payment be removed from all of my credit reports in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX XXXX is above the competition. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I havent seen an updated Experian score since XX/XX/XXXX. Ive been requesting my score on the app for months and isnt allowed me, so I sent in a request XX/XX/XXXX to have it mailed. I received it XX/XX/XXXX, Im back on the app trying to see my score and it reads lenders may have different information on me therefore Experian cant show me my score and until I get that fixed it will remain the same.

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 2025-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield and associates first put a collection on my report saying it owed XXXX and I disputed it because I'm a 100 % disabled veteran living in florida and go to the va for all my medical treatments or emergencies. The credit bureaus removed it due to indiscrepancies in the amount owed and no documentation to support that this belonged to me. Now they stuck another collection on my report for XXXX almost double the first amount. I have asked them to send original documentation to me and disputed this collection with the company itself. They still haven't sent any information and refuse to give me answers. I've disputed all of this with the credit bureaus and reported identity theft and sent the copy to the collection agency along with the credit bureaus. This agency is stopping my family and I from getting approved for a house with all the accommodations I need to be able to perform daily functions and tasks. Please help us with this situation so it will stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: TN

Complaint narrative:
I applied for a new car and learned that I have negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TN

Complaint narrative:
I applied for a new car and learned that I have negative items.

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 2025-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I took out a car loan from Santander Consumer USA in XX/XX/year>. I have 5 years to pay it off. The car loan was for {$24000.00} and I'm ahead by years in payments. I only have {$7800.00} to pay off the loan. Santander is claiming I'm behind on payments and is threatening repossession and is being very uncooperative. I need the car to work and live in an unincorporated XXXX XXXX. Please contact Santander Consumer USA and help. I need a deferment or a forbearance before repossession. I'm currently going through a hardship because of the XXXX of XXXX and my father 's and mother 's death. I need some help and more time to pay off the remaining amount of the loan. I believe it is an unfair business practice to repossess a car when I'm ahead on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
These are federal XXXXXX/XX/XXXX serviced by XXXX and XXXX. Under the CARES Act, from XX/XX/XXXX through XX/XX/XXXX, all federally-held loans were placed in administrative forbearance with no payments required and no delinquency reporting allowed. Despite this, my credit reports XX/XX/XXXX and XX/XX/XXXX ) show multiple late payment notations from XXXX and XXXX. I attempted to dispute online, but XXXX dispute portal returns an error and blocks access. These reports are inaccurate, harmful, and unlawful under the Fair Credit Reporting Act. I request removal of all late payment notations related to these loans during the CARES Act pause, and for the accounts to be updated to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NJ

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( TransUnion, Experian, and Equifax ) have reported inconsistent and unverifiable information regarding my account with XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. Since the dates and late payment notations reported by the bureaus are conflicting and can not be verified with complete accuracy, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure the removal of these inaccurate late payment records from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NJ

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( TransUnion, Experian, and Equifax ) have reported inconsistent and unverifiable information regarding my account with XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. Since the dates and late payment notations reported by the bureaus are conflicting and can not be verified with complete accuracy, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure the removal of these inaccurate late payment records from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint against Bank of Americas Loss Mitigation Department for repeated mishandling of my mortgage account, failure to provide accurate information, and refusal to follow their own policies. 

In XXXX, I was placed on a forbearance plan but was never told the full balance would be due at the end, which put me further behind. In XXXX, after losing my job, I entered a trial loan modification and made three payments through Bank of Americas automated system. The system gave me the wrong amount on my final payment, causing me to be denied the modification. I was forced to restart the process, but received inconsistent and conflicting information from representatives. 

Bank of America has failed to : Return calls within the promised 2448 hours. 
Escalate calls to supervisors when requested. 
Provide accurate payment information ( their system quoted the wrong amount ). 
Deliver promised loan modification packages after I informed them of my offer letter from new employment ( twice I was told they were mailed but never received on XX/XX/XXXX and XX/XX/XXXX. My account was placed in foreclosure 1 week or more later ). 
Provide clear instructions or access to upload documents. 

Because of these failures, my account is now in foreclosure despite my consistent efforts to make payments and provide documentation. I have made regular monthly payments since XXXX XXXX and will be starting a new job that allows me to afford my mortgage. I also have {$5000.00} available in XXXX to bring my account current. However, Bank of America is requiring attorney and legal fees that are a direct result of their mishandling of my account.

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 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I started a dispute with amexes for XXXX it was supposed to be resolved by XX/XX/XXXX they gave the merchant an extension until XX/XX/XXXX again they didnt respond and gave the merchant another extension to XX/XX/XXXX The merchant never responded to myself nor Amex and Amex provided no provisional credit When I call Amex no one helps me and Im transferred to the XX/XX/XXXX I am requesting to treated an a valued customer and for Amex to stop outsourcing and to stop giving extensions and to provide a provisional credit if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received this gift card on XXXX XXXX from my mom XX/XX/year>. When I attemped to use the card at several stores over the past month, including at online retailers such as XXXX XXXX and XXXX, the card came back as invalid. I attempted to check the balance through Amex 's website, AmexGiftCard.com/balance, which responded saying an error occurred at this time and the balance could not be checked. I never used this card, so I contacted their support at XXXX, to which I was told by a very unhelpful representative that " The card experienced a issue and we can assist you in this matter '', followed by, " you need the original receipt. '' I explained the card was a gift and the person who gifted me it no longer has the receipt. The physical card is in my hand and it should be honored. The representative replied by saying there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Compliance Demand Letter XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX [ XXXX ] XXXX ( last XXXX ) :XX/XX/XXXX Date : [ Insert Todays Date ] To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Bad-Faith Delay in Processing My FCRA Dispute Dear Equifax Compliance Officer, I am writing in response to your letter dated XX/XX/XXXX, in which you claimed the identification documents I provided were illegible and therefore refused to process my dispute. 

This is a stall tactic and a violation of your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The documents I previously submitted a government-issued drivers license and a utility bill showing my current address are both valid and sufficient under federal law to establish identity. 

By refusing to act on my dispute, Equifax is attempting to unlawfully extend the 30-day reinvestigation window. This behavior has already been condemned in federal court : XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX ) Bureaus must conduct an independent, reasonable investigation, not delay or parrot furnishers. 
XXXX v. Equifax, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) Equifax held liable for failing to follow reasonable procedures and causing delays. 
XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) XXXX found Equifax liable for ignoring disputes and failing to correct errors. 

Equifaxs refusal to accept legitimate documentation constitutes willful non-compliance under 1681n and negligent non-compliance under 1681o. This exposes Equifax to statutory damages, actual damages, punitive damages, and attorneys fees. 

DEMAND I hereby demand that Equifax : 1. Immediately proceed with my dispute investigation using the documents already provided.

2. Cease stalling tactics such as claiming illegibility without proof.

3. Provide me with written confirmation that my dispute is being reinvestigated within the original FCRA-mandated 30-day timeframe, not reset or extended.

4. Furnish me with the method of verification and all documentation relied upon once the reinvestigation is complete.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Tennessee Attorney Generals office, and consideration of a private civil action for FCRA violations. 

Time is of the essence. You are on notice. 

Respectfully, [ Signature ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: NC

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Credit Collection Services ( CCS ) for their refusal to honor my documented identity theft claim regarding the following account : Collection Agency : Credit Collection Services ( CCS ) Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XX/XX/2338 Reported Balance : {$130.00} Date Opened : XX/XX/year> Furnisher Address : XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX This account is the direct result of identity theft and does not belong to me. I submitted an FTC Identity Theft Report ( Report ID : XXXX ), an Identity Theft Affidavit, and copies of my government-issued identification and Social Security card . 

Despite receiving this documentation, CCS has refused to honor my identity theft claim. They continue to attempt collection and to report this fraudulent account. 

Their actions are in direct violation of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ) AND Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e I have also filed complaints with the Better Business Bureau and the Illinois Department of Consumer Affairs. 

CCSs refusal to comply with federal law has caused damage to my creditworthiness and led to credit denials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I am formally disputing the following collections accounts reported on my credit report, as these accounts should be deleted according to 15 US 1681c-2, 605 B ( FCRA ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I am formally disputing the following collections accounts reported on my credit report, as these accounts should be deleted according to 15 US 1681c-2, 605 B ( FCRA ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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 a victim ofXX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS XX/XX/XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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 a victim oXXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : SXXXX 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