vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in to be removed. 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. XXXX  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! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-25 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: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Opening other accounts without my knowledge an not taking the rep off my credit

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 2025-06-25 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:
Opening other accounts without my knowledge an not taking the rep off my credit

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 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have sent my orders to Pentagon Federal Credit union on XXXX occasions to invoke SCRA protections, including the limit of interest ( and fees and penalties other than bona-fide insurance above 6 % ) and each time they have either incorrectly denied my SCRA rights or ignored the request.

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 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ive been a Bank of America customer since XXXX. In XXXX, I added my son to my account to help him get started with financial responsibility. On or around late XX/XX/XXXX, I noticed some suspicious activity on his account involving XXXX XXXX transactions, which appeared to be fraudulent. 

I immediately contacted Bank of America and was transferred to multiple departments. I asked whether my personal checking or savings accounts would be affected, and I was assured that they would not. I was issued a new debit card and informed that my sons account would be closed for security reasons, which I agreed to. 

However, on XX/XX/XXXX, I discovered that {$9800.00} had been withdrawn from my personal savings account. I was never contacted, warned, or given any explanation about this withdrawal. I have tried to follow up multiple times but still havent been told what specific activity led to this, nor have I received any kind of investigation summary or documentation. I also never received any offer for a payment plan or resolution options. 

As a single mother, this sudden and unexplained withdrawal has caused major financial distress. I trusted Bank of America with my money and expected clear communication, especially regarding such a large transaction. 

Im requesting that Bank of America provide : A full explanation of why these funds were removed Any investigation reports or findings related to my sons account The opportunity to be reimbursed or to resolve the issue through a formal dispute or payment plan

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their refusal to investigate disputed inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to TransUnion via USPS, requesting an investigation into the following inaccurate and incomplete items on my credit report : Negative Accounts : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Issue : These accounts are inaccurately reported. 

Unauthorized Inquiries : XXXX XXXX Dated XX/XX/XXXXXXXX XXXX XXXX Dated XX/XX/XXXXXXXX XXXX Dated XX/XX/XXXX Issue : These inquiries were made without my authorization. 
Bankruptcy Public Record : Record : U.S. Bankruptcy Court Reference Number : XXXX Issue : The bankruptcy entry is incomplete, listing only the reference number, court name, and filing date, without providing necessary details for full and accurate reporting, as required by the FCRA. 

To verify my identity, I included all required documentation with my dispute letter : A copy of my government-issued photo ID My Social Security card A utility bill with my current address These documents fully complied with FCRA identity verification requirements. 

On XX/XX/XXXX, TransUnion responded stating that We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
With a form letter refusing to conduct an investigation into the disputed items. This refusal constitutes a failure to fulfill their legal obligation under the FCRA, which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days of receipt.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: WI

Complaint narrative:
Discover Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Formal Request for Charge-off Documentation and Account Validation To Whom It May Concern, I dispute the accuracy of the Discover account ( ending in XXXX ) reporting a {$5100.00} balance as of XX/XX/XXXX. This account reflects a charge-off with no verified activity since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 2025-06-25 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: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This morning, during my routine credit report check, I found discrepancies that seemed to appear out of nowhere. I attempted to refresh the page, assuming it was a glitch, but the inaccurate items remained. Because of this, Im urging a detailed examination of the documents Ive already submitted to ensure this issue is permanently resolved.

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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: SC

Complaint narrative:
ON OR ABOUT XX/XX/year> I WAS LEASING A COVERED UNIT XXXX XXXX XXXX XXXX XXXX  TO STORE MY BOAT. I WAS LATE IN PAYING IT BEFORE THE XXXX XXXX XXXXXXXX BECAUSE I HAD PLANNED ON PAYING TO RETRIEVE MY BOAT AND PUT IT IN A STORAGE UNIT THAT I HAD BUILT. I DID PAY WITH CREDIT CARD, AND I DID RETRIEVE MY PROPERTY. I TLOD THEM ON THE PHONE AND I TOLD THE ATTENDANT THAT I WOULD NOT BE BACK SO THEY WOULD NOT RENEW MY MONTH TO MONTH LEASE. SO MY QUESTION IS WHY DID THEY KEEP CHARGING ME WHEN MY PROPERTY WAS CLEARLY NOT THERE. I WOULDNT BE ABLE TO RETRIEVE IT, IF THE BILL HASNT BEEN PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXXXXXX XXXX for an unauthorized inquiry on my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a dispute letter directly to XXXX XXXX XXXX XXXXXXXX XXXX, using the address listed on my credit report, disputing an unauthorized inquiry dated XX/XX/XXXX. In the letter, I requested that XXXX XXXX XXXX XXXXXXXX XXXX either : Remove the unauthorized inquiry from my credit report, or Provide proof that the inquiry complies with the FCRAs permissible purpose provision, as required under federal law.

To ensure compliance, I verified that the address used was the one listed on my credit report. However, the letter was returned as undeliverable, indicating that XXXX XXXX XXXX XXXX may not maintain a valid address for correspondence. Despite my good-faith effort to resolve this matter directly with the creditor, I have received no response or proof of permissible purpose for the inquiry. 

Under the FCRA, creditors like XXXX XXXX XXXX XXXXXXXX XXXX are required to have a permissible purpose for accessing a consumers credit report. The unauthorized inquiry dated XX/XX/XXXX violates this provision, as I did not authorize or initiate any transaction with XXXX XXXX XXXX XXXX XXXXXXXX. Additionally, their failure to maintain a valid address for consumer disputes and their lack of response to my dispute letter further demonstrate non-compliance with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NM

Complaint narrative:
I am submitting this complaint as a victim of identity theft following a data breach that exposed my personal information. Since that time, fraudulent activity has been reported on my credit file, and I have made multiple attempts to correct these errors with Equifaxwithout resolution.

Equifax is currently reporting completely inaccurate personal information, including an address that does not belong to me. Alarmingly, the only address listed on my Equifax credit report appears to be associated with the individual fraudulently using my identity. I have submitted multiple formal disputes to Equifax via certified mail, requesting the removal of this incorrect personal information and all accounts that were fraudulently opened in my name. 

Despite sending valid proof of my identity and current addresssuch as a copy of my state-issued ID, bank statements, and utility billsEquifax has failed to respond or take corrective action. To make matters worse, they have sent my personal credit file to the fraudulent address listed, further compromising my privacy and exposing me to continued identity theft. 

I also contacted Equifax by phone. A representative confirmed that they received my documentation but refused to update my file, stating the documents were " not clear '' and instructing me to resend them. Enclosed is a copy of the original letter and proof of address previously submitted. 

Additionally, Equifax is failing to report any of my positive credit history, including XXXX student loans, an auto loan, and three credit cardsall of which are accurately reflected on my Experian and TransUnion reports. Those two bureaus, while still reflecting a few errors, have at least acknowledged my identity theft claim and are reporting my positive accounts. 

I have submitted a Notarized Identity Theft Affidavit, along with an FTC Identity Theft Report, and government-issued identification to all three credit bureaus. My goal is simply to have my credit file accurately reflect my true information and legitimate credit history. 

This situation has created a serious financial hardship for me and has stalled my ability to move forward with important financial investments. I am requesting that the CFPB intervene and assist in holding Equifax accountable for their failure to properly investigate and resolve these serious reporting issues. 

Thank you for your time and attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief
Consumer complaint received 2025-06-25 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: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the 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