vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: TX

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 2025-05-19 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: GA

Complaint narrative:
There was a credit breach and accounts are my report are not mine.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued TransUnion for failing to properly investigate consumer disputes and continuing to report inaccurate data. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I wired money to my XXXX. My bank is XXXX XXXX, my XXXX  uses Bank of America, NA. The money was returned, less a {$45.00} fee. with no reason listed. I contacted my bank ( XXXX XXXX ) and they confirmed the return was initiated by Bank of America and not them, and that they did not charge me any fees based on my account level. I tried to contact Bank of America, but their automated system does not allow anyone without an account to get to a live human representative. I have no way to dispute either the returned wire transfer or the fee.

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 2025-05-20 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several credit inquiries listed on my credit report that I did not authorize. After reviewing my credit report, I identified the following inquiries, which I did not initiate, approve, or consent to : XXXX Card Inquired on XX/XX/XXXXXXXX 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 XXXX XXXX Inquired on XX/XX/XXXX Under Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a credit reporting agency may only furnish a consumer report under specific and legally permissible circumstances. I did not authorize these companies to access my credit report, nor did I initiate any applications for credit or services with them.

As such, I am exercising my rights under Section 611 of the FCRA ( 15 U.S. Code 1681i ) to dispute the accuracy and legitimacy of these inquiries. I request that each of these inquiries be fully investigated, and if they are determined to be unauthorized, that they be permanently removed from my credit file.

Please provide me with written confirmation of the outcome of your investigation, including any evidence used to verify the validity of these inquiries.

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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am disputing late payments reported by Capital One on my credit report. These late payments are inaccurate because I did not receive any billing statements at least XXXX  days before the payment due dates, as required by federal law under XXXX XXXX XXXX XXXX. Without receiving a timely statement, I was not given a fair opportunity to make my payments on time. 

Under the law, a creditor can not lawfully impose late fees or report delinquencies unless a billing statement was provided at least XXXX days before the due date. I have no record of receiving such statements from Capital One for the billing cycles in question. Despite my efforts to resolve this directly, Capital One has failed to verify or correct the reporting. 

I am requesting that this matter be investigated, and the inaccurate late payment information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Subject : Credit Report XXXX XXXX XXXX XXXX ( Account # XXXX ) To Whom It May Concern, I am disputing the accuracy of the account listed under XXXX XXXX XXXX, account number ending in XXXX, as reported on my Equifax credit file. 

The account is marked as a charge-off, but the following issues violate the Fair Credit Reporting Act ( FCRA ) : - The closing date is missing, which makes the record incomplete. 
- A balance is still being reported despite the account being charged off. 
- The data is misleading and unverifiable as it currently stands. 

Under FCRA Section XXXX, I demand an immediate investigation and the deletion of this account from my credit report if it can not be fully verified with complete and accurate data. If XXXX XXXX XXXX can not verify and correct all information, this item must be removed. 

Please complete your reinvestigation within XXXX days, as required by federal law. I request that you provide : XXXX. A detailed summary of your reinvestigation, XXXX. The name and contact of the furnisher, XXXX. Documentation used to verify the account. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
Please check the information concerning the Equifax data breach in below attachments.

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 2025-05-20 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: NC

Complaint narrative:
Please check the information concerning the Equifax data breach in below attachments.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XXXX Citi Bank out of the blue decided to close my personal checking and savings account and my companies account. Without providing any reason. They followed with closing my credit cards for business and personal with outstanding balances. To my question how am I supposed to pay these cards if they closed my accounts they said they will be sending me paper statements and I can mail them check. I do travel a lot for work and I have been for 2 months out of the country without even having access to any of my money and online banking. When u came back - my credit score went from XXXX to XXXX. New banks deny me on opening the accounts based on the fact that Citi reported all my XXXX accounts closed. They kept denying to provide me a reason over the phone saying I need to write a mail. I did. After a month I got response that they cant disclose the reason.

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 2025-05-19 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:
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 XXXX XXXX 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 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Im currently unable to access any records from the time my student loans were serviced by XXXX. Ive requested these records from XXXX StudentAid.gov ( FSA  ), XXXX, XXXX, and XXXX. 

I requested copies of all transaction records for the life of my loan in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, and XXXX of XXXX. XXXX has advised they are only able to provide data for the current consolidation loan. 

Ive contacted FSA multiple times in regards to this issue. As of XX/XX/XXXX, I was advised FSA does not have any record of my loans being serviced by XXXX. I was directed to file complaints with XXXX and CFPB. When advised I had already completed those steps and received no response or resolution, they were unable to provide any alternative options.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 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: IL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: IL

Complaint narrative:
My payments that have been unapplied since XX/XX/XXXX reflect the amount of {$6900.00}. Upon calling today to Selene Finance, I spoke with a gentleman named XXXX. I stated that my concerns were my payments that are in suspense, and the most recent payment for my XX/XX/XXXX, due date, has another payment totaling {$1800.00} and has not been applied to my account. The customer service representative also stated that my account reflects XXXX  months of delinquent payments. Which is completely incorrect. I previously had the same issue just last year, in which Selene refused to properly apply my mortgage payments to my account, because I overpaid by XXXX cent. I again sent my request through the CPFB for help. In hopes of stopping Selene Mortgage from not properly acknowledging my payments and forcing my account to go into foreclosure due to their accounting errors. Please note that these are the following dates of unapplied payments and the amount totaling {$6900.00}. Where exactly are my payments going, as several statements reflect an ESCROW refund?? I'm not sure as to where these payments were sent and to whom?. 

I requested that the customer service representative, XXXX, that my payment that I made, that are currently in suspense for the XX/XX/XXXX, due date, reflect {$1800.00}, for example, be applied to my account. The representative declined and stated, " Your payment has to be applied by the XXXX  attorney. You will need to call him or her and the XXXX  trustee?? 
I then inquired if I could speak to the Customer Service Rep assigned to my account, and I was told no, " XXXX '' is on another call will tell you the same thing. This was his reply immediately?? I asked for his direct number or his voicemail, and I was still declined to get a message or a call from the Customer Service Representative. As a consumer, I am frustrated but also confused as to why Selene will not apply my payments and or let me speak to a manager or representative handling my account. For the following dates XXXX Payment amount not applied, {$1800.00}, XX/XX/XXXX {$1900.00}, XX/XX/XXXX {$110.00}, XX/XX/XXXX {$110.00},, XX/XX/XXXX {$640.00}, XX/XX/XXXX {$230.00}, {$1300.00} XX/XX/XXXX, and XX/XX/XXXX {$750.00}...... totaling {$6900.00}... 

Also, there are several escrow refunds : {$1900.00} ( XX/XX/XXXX ) : {$610.00} ( XX/XX/XXXX ), {$910.00} ( XX/XX/XXXX ), {$680.00} ( XX/XX/XXXX ), {$680.00} ( XX/XX/XXXX ) totaling {$4800.00} The escrow advance also reflects on the statement date XX/XX/XXXX, amounts of ( XX/XX/XXXX ) {$3200.00} and ( XX/XX/XXXX XXXX XXXX property tax - {$3500.00}. It has a minus sign preceding the amount of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I have a late fee for no reason, I contacted XXXX XXXX  and they told me that I have no debts and late fees, it turns out this happened by mistake, so I ask you to remove it because I am planning large purchases and can not make them. Please remove this from my account because it was not my fault. I do not have much time, so I insistently ask you to pay attention to this. Thank you in advance for your work, I hope you understand me and can help me because all my plans are on hold.

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 2025-05-20 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened a fraud claim due to fraudulent transactions on my account. My phone wallet and everything was stolen. I informed chase i didnt have my phone or wallet so I could have not made the transactions. They still only gave my half credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am filing this affidavit to report several fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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:
This is a follow-up complaint to address multiple inaccurate charge-off entries that continue to report on my TransUnion credit file, despite my prior efforts to dispute these items. Specifically, the following accounts are in question : XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX, showing a charge-off dated XX/XX/XXXXXXXX  for {$460.00}, and XXXX, account ending in XXXXXXXX XXXX XXXX, reflecting a charge-off dated XX/XX/XXXX for {$10000.00}. These entries are causing severe harm to my credit profile and continue to report in violation of federal consumer protection laws. 

Under 15 U.S.C. 1681i, the credit bureau is required to conduct a reasonable reinvestigation within 30 days of receiving a dispute, yet there is no indication that these items have been verified using original signed contracts or detailed payment histories. Furthermore, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in the information they report. Given the absence of proper documentation provided during prior disputes, and considering the rising concern over mishandling of consumer data, there is reason to believe these items may be linked to data contamination or inadequate verification procedures.

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 2025-05-20 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:
XXXX is inaccurately reporting a XXXX late payment on my account to TransUnion for XX/XX/XXXX and to Equifax for XX/XX/XXXX. These late marks are not only false, they are legally indefensible under multiple sections of the Fair Credit Reporting Act ( FCRA ). 

The account in question is open, active, and listed by both bureaus as Paid or paying as agreed with {$0.00} past due. My payment history is otherwise consistent, and I have never received any written notice of delinquency prior to these negative entries. In fact, Equifax contradicts itself by simultaneously showing Pays account as agreed and a 30-day delinquency which defies the legal standard of accuracy and consistency.

This violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S. Code 1681s2 ), which prohibits furnishing information to a consumer reporting agency that is known to be inaccurate or misleading. Additionally, FCRA 623 ( a ) ( 7 ) requires a furnisher to provide written notice to the consumer before reporting any negative information to a credit reporting agency. I never received such notice from XXXX. 

The reporting also fails to meet the reasonable procedures to assure maximum possible accuracy standard required of consumer reporting agencies under FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ).

Because the alleged delinquencies are unsupported by the account data which shows {$0.00} past due, current payment status, and no verified documentation of default I am demanding immediate correction. I request the CFPB enforce a full reinvestigation under FCRA 611 ( a ) ( 15 U.S. Code 1681i ) and require that XXXX remove the XXXX late marks from both TransUnion and Equifax. This information is harming my credit profile without justification and must be corrected in accordance 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 non-monetary relief