vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Wells Fargo has been approving automatic payments even though I didn't have money in my checking or savings. I racked up several fees of {$35.00}, {$490.00} to be exact. I didn't have sufficient funds to cover the charges, so it shouldn't have been approved.

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 2025-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
On va loan the processed application was good my credit was great was told to reapply i did then never heard back from XXXX XXXX XXXX time Was very odd because of the fact I got a new car right after no pr I blew and have reliable income I think my loan paperworknis being used for XXXX XXXX. I received odd credit info on report and I pay my bills I went n to bank also to I inform if fraudb

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 2025-07-24 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: 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
Upon reviewing my credit file, I noticed a late payment entry that I believe is erroneous. I take great care in meeting all of my financial obligations on time, and this item appears to be reported in error.

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 2025-07-24 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
After reviewing my recent credit file, I have identified a late payment entry that I believe was reported in error. I take great care in managing my obligations and have no record of a late payment during the timeframe indicated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
I am writing to report an account that appears on my credit report but was not authorized by me. This account is not mine and may be a result of identity compromise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
I was originally contacted by Lockhart , Morris & Montgomery on XX/XX/XXXX notifying me of a bill sent to collections by XXXX XXXX XXXX, the original creditor, for {$1000.00}. This collections account negatively impacted my credit score. I was not aware this bill ever existed in the first place, so I called XXXX XXXX XXXX. They verified that this bill was from an emergency visit in XXXX of XXXX. They stated they attempted to contact me about this bill XXXX separate occasions ; however, when I asked them to read out the addresses they sent these bills to, the addresses did not match the addresses I lived at during those times. I had never received a statement of these bills prior to XX/XX/XXXX in any form : through email, phone, physical mail, insurance statements, etc. In this call, the service representative told me a supervisor would contact me to see if they could recall the bill from collections. A supervisor called me on XX/XX/XXXX and told me they would not recall the bill from the collections agency. When I asked them to send me an written, itemized bill along with a written statement of the addresses they sent these statements to, they refused, stating it was " against policy ''. Upon calling Lockhart , Morris & Montgomery on XX/XX/XXXX, they also refused to retract reporting of this account to the XXXX, XXXX, and XXXX. They told me the only way to resolve this is to pay them the bill. I also asked for written statements of attempts to contact me and they refused. I have received no written receipts of Lockhart, Morris, Montgomery attempting to contact me with this account or options to dispute, I only had this phone call. I am now disputing this account through XXXX. If that is not successful, this collections account will remain on my credit report for 7 years regardless of whether its paid. I am happy to pay the bill in full through XXXX XXXX XXXX  or Lockart, as long as the account is retracted from my credit report. I find it extremely deceptive that I am forced to deal with the consequences of their failure to notify me of a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Upon reviewing my recent credit report, I identified hard inquiries that I did not approve or initiate. These unauthorized entries are negatively affecting my creditworthiness.

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 2025-07-24 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Date : XXXX XXXX ( Subject : Request for Late Payment Removal Consideration XXXX XXXX Service Member To Whom It May Concern, I respectfully request your assistance in reviewing the repeated late payment reporting on the following accounts due to military obligations and documented hardship periods. These late marks are now severely impacting my credit score and my ability to fulfill duties related to military relocation and housing. The following accounts are reporting extensive delinquencies : 1. * * XXXX XXXX  * * - 20 late payments- Dates span : XXXX - Current status : Not more than two payments past due 2. * * XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX  ) * * - 1 late payment - Utilization : 115 % - Current status : Pays as agreed 3. * * XXXX XXXX  * * - 4 late payments - Most recent late : XXXX I am requesting a * * goodwill removal * * or review of these late marks due to documented service-related duties that may have contributed to temporary financial hardship. I maintain responsibility for these accounts and have since brought them current. I respectfully request the CFPB assist in contacting these institutions for a resolution in light of my active military status. Sincerely, * * XXXX XXXX XXXX XXXX * * XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : 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 2025-07-24 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:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am writing to challenge a late payment entry that has appeared on my credit report. After a careful review of my financial records, I am confident that the payment in question was made on time.

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 2025-07-24 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:
I am writing to dispute an unfamiliar account appearing on my credit report. I did not open or authorize this account and have no association with it. This is a clear instance of fraudulent 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit file and discovered an account that I did not authorize, initiate, or open. This account is fraudulent and was added in error.

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 2025-07-24 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: CA

Complaint narrative:
I am reaching out to formally challenge the accuracy of a reported late payment that has appeared on my credit file. After careful review of my records, I have found no indication that any payment was missed or delayed during the timeframe in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX filed a civil case against XXXX XXXX account number XXXX as of XX/XX/year> that case has been dismissed because XXXX XXXX could not provide accurate information on the case stating that they have a no right to collect on such alleged debt no witness was provided, and the case is dismissed

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 2025-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX filed a civil case against XXXX XXXX account number XXXX as of XX/XX/year> that case has been dismissed because XXXX XXXX could not provide accurate information on the case stating that they have a no right to collect on such alleged debt no witness was provided, and the case is dismissed

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 2025-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX filed a civil case against XXXX XXXX account number XXXX as of XX/XX/year> that case has been dismissed because XXXX XXXX could not provide accurate information on the case stating that they have a no right to collect on such alleged debt no witness was provided, and the case is dismissed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
This letter is a formal dispute of multiple hard inquiries that were made without my knowledge or consent. I believe these inquiries are erroneous or fraudulent, as I have not applied for any credit during the relevant timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I have never been to this hospital and would like for it to be removed from my credit report. Ive requested this information and proof of itemized bill that is claimed to validate proof of my appearance two weeks ago and again today. Since no proof has been sent and we are going on our 3rd week I want this negative report removed immediately.

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