vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : 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 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 2025-10-09 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
ive had to open 4 different accounts at different banks i open the account in branch deposit opening deposit funds the next day they shut my accounts down due to XXXX  and XXXX XXXX but those were checked at time of opening accounts i have nothing on them im out many opening deposits have no where for my direct deposits to go

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 2025-10-09 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:
The XXXX XXXX XXXX had a representative that I do not know of nor was my landlord in previous apartment complex sign a document stating I was evicted. If there was an eviction they should provide legal court documents.

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 2025-10-09 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: TX

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, unverified, and damaging accounts and inquiries that are being reported on my credit file. These items are not accurate, have not been properly verified, and are causing significant harm to my creditworthiness in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The following accounts are being reported inaccurately : XXXX  XXXX High Credit : {$29000.00}, Date Opened : XX/XX/XXXX Late Payment ( Not accurate, not mine, and unverified ). 

XXXX XXXX XXXX High Credit : {$530.00}, Date Opened : XX/XX/XXXX Charge-off ( Not accurate and not properly verified ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX High Credit : {$530.00}, Date Opened : XX/XX/XXXX Collection ( Unverified debt reporting ). 

XXXX XXXX High Credit : {$730.00}, Date Opened : XX/XX/XXXX Charge-off ( Inaccurate, not mine, unverified ). 

Additionally, the following hard inquiries appear on my credit file without my authorization : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and are a direct violation of the FCRA 604 ( Permissible Purposes of Consumer Reports ). No permissible purpose exists for these entities to access my credit report.

I am demanding that these inaccurate accounts and unauthorized inquiries be thoroughly investigated and removed immediately. The continued reporting of these items constitutes willful noncompliance with federal law, and I reserve the right to pursue legal action if this matter is not corrected.

I request that the CFPB require the credit reporting agencies and furnishers to : Conduct a full investigation as required under FCRA 611.

Delete all inaccurate, unverified, and unauthorized accounts and inquiries from my credit report.

Provide me with written confirmation of the results of the investigation and the corrections made.

This situation is causing me severe harm, including denial of credit opportunities and higher interest rates. I expect immediate action to restore accuracy to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Kohn Law firm suspended my license after I was making due diligence and making monthly payments for over two years, they refused my payment whe I called in because I couldnt provide a place of employment and then suspended my license even though I was making monthly payments. This was because of a verbal disagreement I had with a legal assistant in their firm, about refusing to take my payment I left a bad XXXX review and made the payment they still suspended my license. Even had their legal assistants make fun of me on the phone saying I dont have a license and they do and that Im still not working and laughed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
b'I was denied housing or being able to sign a lease for a property I applied for on XXXX XXXX XXXX, as a XXXX XXXX  participant due to my credit report. The company is XXXX XXXX XXXX with an address of 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone number XXXX The collection agency has failed to respond or provide validation of the debt owed after they received the validation letter, which I sent through certified mail on XXXX  with tracking number XXXX XXXX XXXX XXXX XXXX XXXX and it was successfully delivered. The collection agency is Rent Recovery Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have filed a complaint with the CFPB on this account and Navy Federal prior due to inaccurate credit reporting. Navy Federal is now reporting an inaccurate past due amount. My credit report is showing a past due balance of {$25000.00} but my XXXX statement from Navy Federal shows that the past dues only {$4000.00}. I voluntarily surrendered this vehicle in XXXX to Navy Federal. I called Navy Federal several times in XXXX XXXX and XXXX and advised them that I could no longer afford payments at the current rate and sought payment options or options to surrender. Navy Federal refused to assist with payment options and told me that I could not surrender the vehicle voluntarily by driving it to a local branch or having them pick up the vehicle but instead had to wait until the account reached a certain past due status before it would be put on a repossession list. This prolonged the inevitable and made the interest and fees even higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Ive disputed this inaccurate information and nothing has happened and it has caused me not to be able to open any bank accounts

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 2025-10-09 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: MD

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am writing to formally dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are not mine ; their presence on my credit report is inaccurate, misleading, and damaging to my financial history.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, the Texas Comptrollers Office issued a levy on my Bank of America account in the amount of {$3900.00} for past-due sales tax. The Comptrollers order states that the levy is only valid for 60 days, which means the hold should have been released by XX/XX/year>. 

I paid the full balance directly through the state website, and the Texas Comptrollers Office confirmed that no further balance or hold should remain. However, Bank of America has informed me that they will not release my funds until XX/XX/year> more than six weeks past the legal expiration date of the levy.

As a result, my account has remained frozen and shows a negative balance of approximately {$3000.00}, causing financial hardship and preventing me from accessing my own funds. I have contacted both the Comptrollers Office and Bank of America multiple times, but the issue remains unresolved.

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 2025-10-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I hired XXXX XXXX for credit repair services multiple times. I paid for the service but did not receive proof of any legitimate work performed, results, or documentation of dispute letters sent to the credit bureaus.

After repeatedly asking for transparency and proof of service, XXXX XXXX unilaterally canceled my account and issued a final charge of {$69.00} without my consent. When I questioned this, they cited a XXXX  CFPB settlement and told me to contact the CFPB directly instead of addressing my issue.

This feels deceptive and noncompliant with the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, and 623 ). Im requesting an investigation into their practices, a full refund of payments, and confirmation of whether XXXX XXXX is allowed to continue billing after self-canceling a clients account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These information was supposed to be removed by the company and the credit reporting agency also supposed to be removed but I see it is back on my account again.

It is not legal for a company to suddenly report items at 90 days late without prior reporting and if account was deferred then it should be removed.

This is very damaging and it is time consuming to keep looking into this. The law states you can not report inaccurate info and the company can not even put anything on my report if there is even a single mistake. It makes the entire reporting inaccurare. Please review the following and remove as before and prevent it from happening. 

XXXX XXXX Account Item 1 ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$24000.00} and Item 1 ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$11000.00} Additionally, I received no prior notification, written or by phone call of the past due status, Once I was notified, I immediately began working to correct the reports to return the accounts to favorable status. ( See attached ). Under the FCRA section 623 a, it is required that reported information is complete and accurate. Please update the account to remove the 90 Day Late report in the month of XX/XX/XXXX XXXX for inaccuracy because there are no prior 30 or 60 day late 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
These information was supposed to be removed by the company and the credit reporting agency also supposed to be removed but I see it is back on my account again.

It is not legal for a company to suddenly report items at 90 days late without prior reporting and if account was deferred then it should be removed.

This is very damaging and it is time consuming to keep looking into this. The law states you can not report inaccurate info and the company can not even put anything on my report if there is even a single mistake. It makes the entire reporting inaccurare. Please review the following and remove as before and prevent it from happening. 

XXXX XXXX Account Item 1 ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$24000.00} and Item 1 ) XXXX ( dated XX/XX/XXXX XXXX ) in the amount of {$11000.00} Additionally, I received no prior notification, written or by phone call of the past due status, Once I was notified, I immediately began working to correct the reports to return the accounts to favorable status. ( See attached ). Under the FCRA section 623 a, it is required that reported information is complete and accurate. Please update the account to remove the 90 Day Late report in the month of XX/XX/XXXX XXXX for inaccuracy because there are no prior 30 or 60 day late reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation