vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Subject : Complaint Regarding Inconsistencies in My Credit Report and Disputed Account Reporting Dear Sir or Madam, I am writing to formally submit a complaint regarding the ongoing, unjustified fluctuations in my credit score, despite having a clean and responsible payment history.

Over the past 7 years, I have not had a single late payment on any of my accounts. However, my credit score continuously rises and falls without valid reason, and has not exceeded XXXX points. This has negatively impacted my financial standing and my ability to improve my credit profile.I have about XXXX credit cards with XXXX balance and they still shows a compromised credit. 

In addition, I am repeatedly penalized due to delays from banks in reporting payments, which is completely out of my control. This unfairly harms me as a responsible consumer. As of today a XXXX  XXXX credit card appear with a {$1900.00} bslance and it was totally paid, my XXXX car loan tskes months to be actualized There is also a single negative account on my credit report, which I refuse to pay because it belongs to a telecommunications company that never provided the contracted service. I have submitted multiple complaints about this in the past, explaining that it was an improper charge, yet the account remains on my report, damaging my credit. I consider this abusive and unjust. 

I respectfully request that this matter be investigated and that the following actions be taken : 1. Correct any errors or unfair practices affecting my credit history.

2. Remove the disputed negative account due to the lack of service received.

3. Ensure that banks and financial institutions report information accurately and on time.

Thank you for your attention to this matter. I am willing to provide any additional information.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Subject : Complaint Regarding Inconsistencies in My Credit Report and Disputed Account Reporting Dear Sir or Madam, I am writing to formally submit a complaint regarding the ongoing, unjustified fluctuations in my credit score, despite having a clean and responsible payment history.

Over the past 7 years, I have not had a single late payment on any of my accounts. However, my credit score continuously rises and falls without valid reason, and has not exceeded XXXX points. This has negatively impacted my financial standing and my ability to improve my credit profile.I have about XXXX credit cards with XXXX balance and they still shows a compromised credit. 

In addition, I am repeatedly penalized due to delays from banks in reporting payments, which is completely out of my control. This unfairly harms me as a responsible consumer. As of today a XXXX  XXXX credit card appear with a {$1900.00} bslance and it was totally paid, my XXXX car loan tskes months to be actualized There is also a single negative account on my credit report, which I refuse to pay because it belongs to a telecommunications company that never provided the contracted service. I have submitted multiple complaints about this in the past, explaining that it was an improper charge, yet the account remains on my report, damaging my credit. I consider this abusive and unjust. 

I respectfully request that this matter be investigated and that the following actions be taken : 1. Correct any errors or unfair practices affecting my credit history.

2. Remove the disputed negative account due to the lack of service received.

3. Ensure that banks and financial institutions report information accurately and on time.

Thank you for your attention to this matter. I am willing to provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax Credit Bureau Subject : Request for Reinvestigation and Personal Information Update Dear Equifax This letter serves as a formal request for reinvestigation pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act regarding the following tradelines currently appearing on my credit file : Accounts in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please conduct a reinvestigation into the accuracy and completeness of the above accounts and provide me with the results, including your method of verification, within the time frame required by law. 

Additionally, I request that you update and correct my personal information as follows : Personal Information Corrections : Correct Legal Name : XXXX XXXX Current Mailing Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Remove all other names, aliases, or name variations not matching XXXX XXXX Remove all outdated or non-mailable addresses associated with my file These updates are necessary to ensure my consumer file is complete and accurate, in accordance with 15 U.S.C. 1681e ( b ). Please confirm completion of the reinvestigation and personal information update in writing. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate late payment information on my credit report related to my XXXXXXXX XXXX XXXX account issued by XXXX XXXX ( Account ending in XXXX ). 
The late payments reported for XXXX and XX/XX/XXXX are inaccurate and resulted from XXXXXXXX XXXX XXXX internal enrollment error in their hardship program. On XX/XX/XXXX, I contacted XXXX and spoke with a representative named XXXX, who enrolled me in a hardship payment plan with a confirmed monthly payment of {$50.00}. I honored this agreement and made payments on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as confirmed by my bank and XXXXXXXX XXXX own records. 
However, due to an error on XXXX part, this enrollment was mishandled, and I was incorrectly reported as 30 and 60 days late. I later spoke with a different representative, XXXX, who acknowledged the mistake and enrolled me into their Long-Term Workout Program, which officially began on XX/XX/XXXX XXXX I have remained in good standing and made consistent payments under the new plan since then. 
XXXX reported 30-days past due XX/XX/XXXX, 60-days past due XX/XX/XXXX, 30-days past due XX/XX/XXXX, and 60-days past due XX/XX/XXXX. These negative marks are unfair and misleading, as the payments for XX/XX/XXXX and XX/XX/XXXX were made as stated in the XX/XX/XXXX, agreement, and XX/XX/XXXX and XX/XX/XXXX payments of {$100.00} were made as stated in the XX/XX/XXXX, agreement. All negative reporting is incorrect because these payments were made under an agreement provided by XXXXXXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the inaccurate late payment entries for XXXX and XX/XX/XXXX be investigated and corrected or removed from my credit file. 
Supporting Documents Included : XXXXXXXX XXXX hardship program letter ( Long Term Workout Program, dated XX/XX/XXXX ) Verified payment history from XX/XX/XXXX through XX/XX/XXXX Scheduled payments showing ongoing participation in the workout program This written explanation of the issue Please conduct a prompt investigation and update my credit file accordingly. I would appreciate written confirmation of the results of your investigation.

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 2025-05-10 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: MO

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
Consumer complaint received 2025-05-11 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: DC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 non-monetary relief
Consumer complaint received 2025-05-10 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: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My account was fraudulently used at the time when this happened. I had called and told him about the situation, but nothing was fixed or mitigated. I had told him of the situation of what happened as the person scammed me. I didnt receive any money from Bank of America my account was XXXX when it was closed this shouldnt be on my account. I have trouble opening other banks account because of this issue. Its been five years. Ive been good with other banks. I was good with Bank of America, but they didnt take in consideration of what was happening even my credit account was locked because of fraud that is fixed now so I believe Bank of America should Fix this issue.

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 2025-05-11 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I submitted a formal identity theft dispute under FCRA Section 605B to Experian, including a detailed packet with an FTC Identity Theft Report, a police report, and a highlighted copy of my Experian credit report identifying fraudulent personal information. This packet was delivered on XX/XX/year>, and included a written request for the removal of incorrect names ( XXXX ), outdated or inaccurate addresses ( XXXX ), an unauthorized Social Security number variation, and XXXX employers that do not belong to me. 

While Experian did remove some fraud-related accounts, they neglected to remove the remaining personal identifiers tied to the frauddespite all items being clearly highlighted in the packet I provided. These include multiple false names, addresses, and employers that continue to appear on my credit report and may be contributing to further confusion or harm. 

Additionally, I requested reasonable accommodations under the Americans with XXXX XXXX ( XXXX ) due to a documented cognitive XXXX. Experian failed to honor these requests, ignored my communication needs, and allowed both the XXXX deadline under FCRA 605B and the 30-day deadline under FCRA 611 to pass without compliance. My documentation and request were complete, timely, and legally valid. 

Their failure to act on the clearly identified, fraudulent personal informationdespite accepting and acting on parts of the same packetdemonstrates negligence and partial processing. I am requesting full removal of all inaccurate personal identifiers per my original dispute, which remains unaddressed and overdue.

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 2025-05-11 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: GA

Complaint narrative:
My information have been exposed due to a exposed from hacks on various companies and I asked expiran and TransUnion and equifax to remove accounts and inquiries but they still refuse to follow the law and send me responds

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 2025-05-11 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: GA

Complaint narrative:
My information have been exposed due to a exposed from hacks on various companies and I asked expiran and TransUnion and equifax to remove accounts and inquiries but they still refuse to follow the law and send me responds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A rep from WF called to discuss why they were denying my request to reopen my remediation on their illegal opening of fee services on my mortgage. 
I requested to speak with a higher-level rep and customer service person. The rep transferred me and gave me a direct number to a higher level of customer service. I wanted 40 minutes on hold for someone. No answer, only recordings every minute thanking me for my patience. There was no opportunity to leave a call-back number or to leave a message. I called the rep a second time and repeated the process- this time holding for 30 minutes with the same lack of response. 
I have since called the number 4 other times and was on hold ranging from 30 to 40 minutesno answer, no call back, and no opportunity to leave a message.

It is my belief that this is not a manned phone and is only yet another way for WF to not deal with its customers. It is as if WF doesn't care about its customers and makes no effort to accommodate them. This unanswered phone is just another fake way they deal with customers. 
They are a dishonest company.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Time share reporting late fees on dishonest time share sales that were cohersed into buying with unjust and illegal sale tactics and false promises of use of the property and taking advantage of elderly citizens which is presently being disputed. By XXXX XXXX XXXX XXXX XXXX Also car repossession claim that is more than 7 years old that should not be continued to be reported.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Time share reporting late fees on dishonest time share sales that were cohersed into buying with unjust and illegal sale tactics and false promises of use of the property and taking advantage of elderly citizens which is presently being disputed. By XXXX XXXX XXXX XXXX XXXX Also car repossession claim that is more than 7 years old that should not be continued to be reported.

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 2025-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
XXXX, XXXX XXXX XXXX, XXXX is harassing me and illegally obtained my information and placed me into collections without sending validation of debt. Lyons, Doughty & Veldhuis is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to Lyons, Doughty & Veldhuis, P.C so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. Lyons, Doughty & P.C. has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. Lyons, Doughty & Veldhuis needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report.

Company response to consumer: Closed with explanation