vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
I'm reaching out to request your assistance with a matter that has been troubling me. I recently discovered some accounts listed on my credit report that I believe are inaccurate and linked to fraudulent activity. Specifically, I have no knowledge of the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) - XXXX  / XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/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 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have been trying to dispute a late payment reported by XXXX XXXX for the past several months. 

I first submitted my dispute request to XXXX XXXX on XX/XX/year>, regarding a late payment that I believe was reported in error. I followed up multiple times afterward, but the company has not provided any written response or results of their investigation, even though more than 30 days have passed. 

I am requesting that XXXX XXXX validate the accuracy of the late payment entry or remove it from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to resolve this directly with the company, I have not received any acknowledgment or update. 

I would like the CFPBs assistance in ensuring that XXXX XXXX properly investigates this dispute and provides documentation verifying the late payment or removes it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I have reason to believe these accounts were fraudulently established. I did not authorize them, and I formally request their removal and prompt investigation. Supporting records are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
In XXXX, I had completed and closed my my pay loan with chime last week. They reopened it without my knowledge or my request. They did not have my permission. Apparently they canceled my payback and put the money back in my account and reopen the loan. I dont use this account and except to pay bills so the auto payment For those bills initiated. I assume this money in the account was from my paycheck as I wasnt notified that it was a refund or anything having to do with chime now theyre saying that the loan is reopened and I owe them interest, but the money shouldve never been put back in my account as of this loan was paid off in XXXX so Im confused as to why in XXXX they refunded it and now saying that I owe them again this seems like a mistake on their part. They are money laundering they said this is their policy and that, even though they have not notified me or made aware of it, I now owe extra money when Ive already paid this off. I have not given consent For this to be reopened or on my name they have offered no resolution and are not trying to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been getting numerous dings to my credit rating when I should not be,, I have no lates and my credit usage is nearly nil.. I wanted to find out why and requested a copy of my credit report. Upon receiving the report I see no less than XXXX inquiries made by XXXX XXXX in XXXX by XXXX XXXX in north carolina and XXXX XXXX Iowa. This account was closed in XXXX and was unused and no requests were made by me. I am trying to find out exactly what or who is trying to more than likely get credit in my name or steal my identity so I can be proactive. I just spent hours on the phone trying to reach these people and experian and they apparently have made it IMPOSSIBLE to reach anyone live. Nor did they provide a way to ask or dispute anything on their report. Everything I tried was met with nothing more than a hang up at the end. I find this absolutely ridiculous verging on negligence and should be open to civil damage from personal injury. These people have the power to ruin peoples lives or protect them. At the very least they should provide people the avenue to correct, dispute or offer recourse for someone who is potentially being attacked and essentially harmed by not allowing people access to specific questions about any such attack. This is not how a responsible business with this much authority should act on behalf of the people whose lives they essentially control.. Please help me and others in this same position.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called Citibank to transferred XXXX credit card accounts to personal accounts they are still reporting incorrect information and they are not reporting the personal accounts to credit report. I have made a total of 14 monthly payments on all XXXX accounts with out being late not once

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 2025-11-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I was late on my payment due to the account being down and did a payment plan to repay this amount, and then despite doing the payment planning and paying it off and the account as a whole, the reported that month as late and would not do a goodwill payoff and so my credit was negatively impacted. And all of this is impacting my ability to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 reporting multiple fraudulent accounts that are being shown under my name without my authorization or awareness. I did not open, manage, or give consent for these accounts, which clearly indicates identity theft. This situation is deeply distressing as it presents false and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts associated with my name is alarming and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
! XX/XX/year> - called to request credit line increase on Care Credit/Synchrony card due to upcoming XXXX. Card has XXXX balance, credit score XXXX, income over XXXX and never made a late payment ever. They advised I could not apply for increase over phone, it must be with the medical practice applying for me. Called medical practice - Medical practice advised that is not correct. 

XX/XX/year> after receiving letter I was denied increase due to " too many recent credit line increases on this account ''. I called the number listed on the letter. I spoke to a representative on the phone who clarified I have never asked for an increase except for on XX/XX/year>. She said she could apply for me again on the phone and I approved ( recorded line ). In seconds, I was denied again for the same reason. I asked to speak to a supervisor as the data was admittedly incorrect on their end. She put me through to leadership. I spoke my case and she put me on hold and for 27 minutes - I had a dead line. The company never came back on the line and I eventually hung up.

I know this incorrect data will hit my credit report and I want it stopped. This is a medical use only card ( veterinary, human, etc... ) and I have always used it for my pets and myself. I do not understand their reason for denying my request for increase and want a truthful answer or it should be 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Trying to sign in to experian to temporarily lift a freeze. My identity can't be verified, and the text they want to send is not my phone number or my email address. Every number I call is automated.I need to update my information since it seems like someone else has it.

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 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is blaming the United States Postal Services for 2 months on my misapplied mortgage payments or it claims it didn't even receive a payment I mailed. 
Wells Fargo misapplied the XX/XX/XXXX payment. I made the regular monthly payment, an extra {$250.00} principal, and an extra {$11.00} to the RE tax escrow. Wells Fargo applied to {$250.00} to the RE tax escrow. I called Wells Fargo and it blamed the error on the payment stub being torn and not legible and " the system assumed I was making an escrow payment ''. Well Fargo did correct their error. 
I mailed my XX/XX/XXXX payment on XX/XX/XXXX. Wells Fargo claims the post office never delivered the payment. I received a Real Estate tax escrow assessment in XX/XX/XXXX and it offered me 2 options to pay a shortage. I chose to pay the full amount of the shortage on my XX/XX/XXXX payment. I became concerned that the check was not cashed and went to my online Wells Fargo account to make an electronic payment. The online service did not offer the 2 options. It charged me the higher amount of the mortgage payment even when I filled in the amount to pay for the full shortage of the escrow.

I spent 30 minutes speaking to 2 different Wells Fargo representatives today to be told it may take 6 days to correct. 
This is the second month in a row that Wells Fargo is blaming the United States Post Office for issues with my payments.

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 2025-11-03 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-11-03 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: NJ

Complaint narrative:
I am formally disputing several items on my TransUnion credit report. These items may not be accurate, and I request a review and correction of these items. If they can not be verified, I request their removal as per the Fair Credit Reporting Act. 

Charged-Off Accounts : XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX  Account XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX DOE XXXX Multiple Account # s listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that these items be reviewed and corrected as necessary.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This dispute is directed at both Equifax and XXXX XXXX XXXX, because Equifax reported and modified false charge-off fields, and XXXX continues to inaccurately verify the same information and mark disputes as duplicate instead of conducting a legitimate reinvestigation as required under FCRA 1681s-2 ( b ). I am filing a new dispute in reference to CFPB Complaint # XXXX concerning Equifaxs inaccurate reporting and improper reinvestigation of my XXXX XXXX XXXX account . Equifax previously stated that it updated the balance, charge-off amount, account history, and historical account information for my XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX. This account has never been charged off. My XXXX XXXX XXXX online dashboard clearly shows the loan is open and active, with a regular monthly payment of {$650.00}, a recent payment posted on XX/XX/year>, and a principal balance of approximately $ XXXXconfirming the account is current and in good standing. Equifaxs claim of modifying or verifying a charge-off for this account is factually impossible and demonstrates that the agency either confused this account with a different XXXX account that I previously disputed and had deleted, or conducted no reasonable investigation at all. Reporting or altering data to reflect a false charge-off violates the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting reporting of information known to be inaccurate ). Such conduct constitutes willful noncompliance subject to damages under 15 U.S.C. 1681n and 1681o. I request that the CFPB require Equifax to conduct a new investigation, delete any and all charge-off references related to Account # XXXX, and correct the trade line to accurately reflect that the account is active, current, and has never been charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
There are clear bank errors in billing and reporting that are negatively affecting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits, yet several mistakes have occurred payments I made were not properly recorded, and there are obvious calculation errors in the reported amounts. Additionally, I was not given the required 21-day notice before a payment was due, which invalidates any late payment marks. These reporting issues violate federal law and have unfairly damaged my 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A {$7.00} toll charge posted to my Bank of America credit card on XX/XX/year>. I had autopay enabled for years, paying in full from my Bank of America checking account. Bank of America disabled my autopay due to an internal system migration in approximately XXXX, without notifying me. I did not turn off autopay myself. 

I did not receive any notice from Bank of America that autopay was disabled, nor any delinquency notifications at 30 days or 60 days. My first notice of the late payment did not come from Bank of Americait came from XXXX on XXXX, at the XXXXday mark. I immediately paid the balance on XXXX. 

During escalation, Bank of America stated that notices were sent to customers about re-enrolling in autopay ( XX/XX/XXXX and XX/XX/XXXX ) and that they appear on my account, but I never received them. These messages are not in my email or spam folders. 

Because autopay was disabled without my action or awareness, and because I received no delinquency notices from Bank of America, I was denied the opportunity to cure the missed payment. The XXXX late mark resulted from a servicing failure, not intentional nonpayment. I am requesting correction of the inaccurate derogatory 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 2025-11-03 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation