vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
I regularly monitor my credit report because my credit score is extremely important to me. However, I continue to see false and inaccurate information that has yet to be corrected despite my repeated attempts to address the issue. This has become a recurring and unresolved problem, causing significant XXXX  and negatively affecting both my life and credit standing.

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 2025-07-14 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: TX

Complaint narrative:
A credit dispute was submitted to Experian XXXX times and all info requested was sent to remove incorrect loan account that was identity theft and sent to collections. Each time, dispute was returned as info is accurate when in fact it was identity theft and police reports, identity verification sent to have it removed and credit score adjusted. Each time, no action was taken to correct the error due to identity theft and information on their report continues to affect credit score in a very negative way. criminal took out loan with XXXX XXXX and added several incorrect phone numbers to credit report. when loan was not paid and went to collections, serious damage was done to my credit score. I have been emailing and calling over a period of more than XXXX months and it never gets fixed and only gets worse. XX/XX/year>, account taken out at XXXX, XXXX and a balance of {$120.00}. a couple of payments were made and then balance of {$50.00} was never paid and went to collections a few months later, causing credit score to drop over XXXX points. I have contacted XXXX several times and send info such as police report and verification of Identity several times but no action from them. Same with Experian and in addition have called them several times. I just want this fraudulent info removed and score updated.

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 2025-07-14 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: CA

Complaint narrative:
I am submitting a new complaint regarding Bank of Americas XXXX XXXX XXXX XXXX. This is a continuation of Complaint XXXX XXXX, which closed on XX/XX/XXXX after the company claimed it had refunded XXXX fees. However, I have only been able to locate a single {$50.00} credit dated XX/XX/XXXX. There was no itemized breakdown showing which fees were refunded, when, or why. 

On top of that, I was charged another {$25.00} maintenance fee on XX/XX/XXXX, while the original complaint was still active. That charge has not been refunded, and the lack of transparency around these ongoing fees continues. 

In their prior response, Bank of America stated that I had agreed to the account terms in XXXX and therefore was subject to these fees. While I understand terms and disclosures exist, my issue is with how quietly these fees are assessed, without notice, warnings, or visibility. Their practices rely on customers forgetting fine print from over XXXX years ago and being unable to track inconsistent charges. 

This is not about legality, its about fairness and transparency. Bank of Americas process feels designed to make it hard to track charges, understand refunds, or know when XXXX is at risk of being charged. That is predatory.

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 2025-07-14 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: EAST WEST BANK
State: CA

Complaint narrative:
I am writing to formally dispute XXXX unauthorized accounts currently listed on my credit report. These accounts were opened without my knowledge or consent, and I have taken multiple steps to resolve this issue, including submitting my FTC Identity Theft Report and a signed statement detailing the fraud. 
The disputed accounts are as follows : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX These accounts were fraudulently opened using my personal information. I did not authorize these accounts, and I am not responsible for any associated charges or balances. I have previously submitted evidence, including my FTC Identity Theft Report and a signed affidavit, to the relevant parties and the credit bureaus, but I have yet to receive an adequate resolution. 
While other fraudulent accounts have been successfully removed, these XXXX still remain on my credit report, causing ongoing damage to my credit standing. I respectfully request the immediate deletion of these accounts from my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 
Please confirm in writing that these accounts will be removed from my credit file. If further documentation is needed, I am willing to provide it promptly. I appreciate your urgent attention to this matter.

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 2025-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute two unauthorized accounts currently listed on my credit report. These accounts were opened without my knowledge or consent, and I have taken multiple steps to resolve this issue, including submitting my FTC Identity Theft Report and a signed statement detailing the fraud. 
The disputed accounts are as follows : Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX These accounts were fraudulently opened using my personal information. I did not authorize these accounts, and I am not responsible for any associated charges or balances. I have previously submitted evidence, including my FTC Identity Theft Report and a signed affidavit, to the relevant parties and the credit bureaus, but I have yet to receive an adequate resolution. 
While other fraudulent accounts have been successfully removed, these two still remain on my credit report, causing ongoing damage to my credit standing. I respectfully request the immediate deletion of these accounts from my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
Please confirm in writing that these accounts will be removed from my credit file. If further documentation is needed, I am willing to provide it promptly. I appreciate your urgent attention to this matter.

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 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the months of XXXX through XX/XX/2022, I experienced a family emergency which required constant XXXX XXXX During this time, I attempted to make my payments to Wells Fargo on time. However, XXXX payment I made using my XXXXXXXX XXXX XXXX on XX/XX/2022, did not process correctly. Due to the stressful circumstances, I was unaware it had failed. I later discovered that Wells Fargo reported late payments, which Ive disputed several times. Despite submitting a valid explanation, Wells Fargo has continued to verify the late marks as accurate. This situation was outside of my control, and I believe it is unfair and damaging to my credit history. I respectfully ask for CFPBs assistance to have these late marks removed based on good faith, hardship, and supporting evidence.

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 2025-07-14 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:
This is my third formal complaint under FCRA XXXX regarding fraudulent inquiries that remain on my Experian credit report. My first CFPB submission was on XX/XX/2025, and my second on XX/XX/2025. In both cases, I provided a complete and fully compliant identity theft documentation package, including : Government-issued ID, Social Security XXXX XXXX Proof of current address, FTC Identity Theft Report, and my IdentityIQ credit report with all fraudulent inquiries clearly marked. Despite the clear legal requirements of FCRA 605B ( a ), which mandates the blocking of identity theft-related information within XXXX business days, and 605B ( b ), which requires written notice within XXXX days if any item is not blockedExperian has failed to comply on both fronts. None of the disputed inquiries were removed, and no proper written explanation was ever sent to me. This constitutes repeated, willful, and systemic non-compliance with federal law. The following fraudulent inquiries remain and must be deleted immediately : 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. These were made without my knowledge or consent, and full documentation was already submitted twice. The continued refusal to remove these inquiries has directly harmed me by damaging my creditworthiness and interfering with my ability to obtain a mortgage at a favorable rate. I am incurring real financial loss and wasted time due to Experians ongoing refusal to comply with FCRA. This is my final warning. If Experian fails to remove the fraudulent inquiries after this third complaint, I will file a lawsuit and submit complaints to the XXXX and all relevant regulatory agencies. I have no time for games or willful misconduct. This is a direct violation of my rights as a consumer and must be resolved now.

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan chase decided to close my united miles credit card within less than XXXX months opened. 
I used to have a mortgage, bank accounts and credit cards with chase and after i finished to pay off my mortgage chase decided to start closing my bank accounts and credit cards. 
So i applied for the united card and i got it and thought i could use it for a while but then again closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-14 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: DISCOVER BANK
State: WI

Complaint narrative:
current case number : XXXX Re : Follow-Up Complaint Discover Card Still Reporting Charge-Off Without Verification Summary of my complaint : I submitted a complaint regarding inaccurate and unverifiable reporting of a charged-off Discover account ending in XXXX. Discover acknowledged the CFPB complaint but failed to provide any legal documentation or response regarding the validity of this account. I have made multiple attempts to resolve this directly. Under the FCRA 15 U.S. Code 1681i ( a ), they are required to properly investigate and verify disputed information within XXXX days. I am requesting that the CFPB hold Discover accountable for failure to comply with the FCRA and for continuing to report a charge-off without providing verification or lawful documentation. I am seeking immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I want to make it unequivocally clear that this complaint is valid and not submitted in error. My credit report contains inaccurate information that does not meet the federally mandated standard of maximum possible accuracy. These reporting errors are causing significant and ongoing harm to my financial stability and overall well-being, especially during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I formally dispute the inaccurate and unauthorized information that has been reported to the credit bureaus and now appears on my credit report. XXXX XXXX has falsely reported late payments on my accountentries that are incorrect and never occurred. This account has consistently been maintained in good standing. 
Historical inconsistency : The payment history for XXXX and XXXX shows perfect compliance ( ). It is implausible that, following an entire year of timely payments in XXXX, there would be a sudden and massive accumulation of 60- and 90-day delinquencies in XXXX and XXXX. 
Furthermore, the entities responsible for reporting this information were not authorized to access, share, or disclose my personal credit data under applicable federal law. Their actions constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code, Section 1681 et seq., which governs how consumer reporting agencies and data furnishers may collect, use, and disclose consumer 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 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
Debt collector called me and threated to have to sued as well as tried to force me to take out a personal loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX  {$750.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I setup all my credit accounts to be paid through my banking institution for convince of and for timely payments. 

I received a notification via XXXX XXXX in XXXX that I had a payment reported late. I checked my accounts and learned Freedom Mortgage had reported me 30 days late for XX/XX/year>. 

I immediately checked with my bank and learned the payment was sent XXXX XXXX and received on XXXX XXXX. 
I phoned Freedom mortgage to inquire about this payment being reported late and was told it was because the payment amount was increased and that the payment they received was for the previous payment amount and as such was treated as a partial payment. 
Freedom Mortgage never notified me that my payment amount was set to increase neither by mail or phone. 
I was also not notified by Freedom Mortgage that they were going to report my XXXX payment late I quickly made an additional payment to cover the increase to my escrow. 
I believe Freedom Mortgage is retaliating because I had filed bankruptcy. 

Because of this payment being reported late my score has dropped by a large margin and i denied for a HELOC loan and was forced into a loan at 31.99 % interest to finance a new HVAC system for my home

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 2025-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I got two amex gift card from my workplace as a bonus card, as per the details i have activated the card but none of them is working. Wherever i tried to use as XXXX XXXXXXXX XXXX XXXX XXXX other websites it always declined. I called on XXXX but no help. They have only ivr system. I am feeling helpless

Company response to consumer: Closed with explanation