vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NV

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 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 2025-11-05 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: OR

Complaint narrative:
I respectfully request a review of the following items on my Experian credit report. Please ensure these items are reported accurately. If any information can not be verified, I request that it be removed under the Fair Credit Reporting Act. 

CHARGED OFF : BANKRUPTCY Account Number : XXXX Date Open : XX/XX/year> Balance : {$0.00} INQUIRIES : No items in dispute. 

POSITIVE ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-05 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have called and emailed asking if i can see the amount owed. I have an account on XXXX XXXX XXXXXXXX but all it says is " This account is unavailable to view at this time. '' I have called they just keep saying check back later. I have been calling and waiting for 2 years now. My account # is XXXX

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

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
My mortgage payment for the past year has been {$1800.00}. 
The 3 items they have in escrow for me are Taxes, Home insurance and Flood insurance. 

Home insurance went from $ XXXXyear to $ XXXXyear : + {$370.00} Taxes went from {$4300.00} to {$5400.00} : + {$1100.00} Flood insurance {$1200.00} to {$1200.00} : + {$77.00} for an annual increase of {$1600.00}. 

PennyMac " analyzed '' my escrow account and decided that my total mortgage payment for the upcoming year should be {$2300.00}, or an increase of {$6100.00} ... this is absolutely egregious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
b'I was charge three separate overdraft fees even though my balance was current.'

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 2025-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting a complaint regarding Bank of Americas handling of an unauthorized XXXX transaction on my debit account. 

A {$700.00} online charge was made without my authorization. My physical debit card was in my possession the entire time, and I did not receive any goods, services, or financial benefit. 

Bank of America closed the claim and reversed the provisional credit, then reopened the case but is now refusing to issue a provisional credit during the reinvestigation. This violates Regulation E 1005.6 and 1005.11, which require provisional credit if the investigation can not be completed promptly. 

I am requesting the CFPB require Bank of America to restore the provisional credit while the reinvestigation is completed.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding a series of unauthorized charges that appeared on my Apple Card account. Between XX/XX/XXXX, and XX/XX/XXXX, a total of 50 transactions were made to XXXX XXXX XXXX, amounting to {$4500.00}. 

I did not authorize any of these charges. I have never had any account, membership, or activity with XXXX XXXX XXXX, and no one else was permitted to use my Apple Card. These transactions were made without my knowledge or consent. 

During this period, my family and I were caring for our newborn baby ( born in XX/XX/XXXX ), and we did not immediately notice the unauthorized transactions. Once I discovered them, I contacted Apple Card Support and submitted a dispute for the full amount. However, despite providing all available details, my dispute was denied and the charges were not reversed. 

I am now requesting the CFPBs assistance in reviewing my case and ensuring that these unauthorized transactions are properly investigated and resolved. I believe I have been wrongly held responsible for fraudulent activity on my account. 

Please let me know if you need any documentation or correspondence with Apple Card to support my claim. 

Thank you for your time and attention to this matter. I have attached a document with all the charges. 

Sincerely, XXXX XXXX

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

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 2025-11-05 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-11-05 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:
Unauthorized access to my credit report by several companies has directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me and continuing to cause significant harm in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
I have no affiliation with these accounts ; they must be erased within 15 days in line with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

Complaint narrative:
Dear Sir/Madam, I am a consumer working to fix my credit. I am disputing the following accounts based on the details provided below. Please review and take appropriate action as necessary. 

XXXX, Balance : {$0.00} EX  : XXXX  XXXX - Account Number : XXXX, Opened : XXXX, Balance : {$0.00} INQUIRIES EX  : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - Date : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Date : XXXXXXXX EX XXXX XXXXXXXX  XXXX XXXX XXXX - Account Number : 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 2025-11-05 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: SC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$180.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$480.00} Inquiries : None listed for Equifax. 

Positive Accounts : None listed for Equifax. 

Late Payments : XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I refinanced my car over the phone with XXXX XXXX XXXX in XXXX during XXXX. I explained I needed my current {$450.00} payment reduced to {$350.00} and the loan officer agreed. I signed the documents via email but when the 1st payment was due the payment was not lowered it was still {$450.00}. After speaking with several representatives I was dismissed stating I should have read the documents before I signed. I have been making the payments ever since and have consistently asked in the process to lower the payment. Each time they denied me but offered an extension which they attached astronomical fees to. In XXXX I paid $ XXXX for the car, when XXXX refinanced I then owed them $ XXXX. I have been making payments since XXXX and they still have me owing $ XXXX. Out of that only $ XXXX is the principal and $ XXXX is all hidden fees and interest. I know this is a predatory loan and now I want to voluntarily surrender the car. I phoned to make arrangements to give the vehicle back. The rep asked why and I told her it was because they continued to deny my request to lower my payment {$100.00} over the last 4 years and I would rather give the car back and start over. The XXXX asked what I could pay and I told her {$200.00} a month. Management offered to lower my current {$450.00} to {$320.00} after denying me for the last 4 years. Now that I want to give the car back they are willing to lower the payment lower than what I asked in the very beginning. This definitely confirmed they are doing shady business. She also advised I could sell the car and call them back for a settlement. I asked what they would settle for and she stated she could not tell me until after I sold the car. XXXX does not want the car back because they know what they did. XXXX is currently being sued for unsolicited phone calls, FDCPA violations from deceptive unfair debt collection practices, and customer service reps lying about account information. I have more than paid for my car now. I would've owned my car by now if they would not have added so many deceptive fees. Please, any help you can offer me would be greatly appreciated.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ), addresses, or possibly even employment data are incorrect and not associated with me. 

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-11-05 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: IA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

I looked at my XXXX, Equifax & 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 response to consumer: Closed with non-monetary relief