vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau investigate these issues and assist with resolving them promptly. 

Issues in Dispute : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect. I made multiple timely payments in XXXX, including : XX/XX/year> {$580.00} XX/XX/year> {$1100.00} XX/XX/year> {$1300.00} Despite these payments, my account was reported as 90 days delinquent without proper prior notification, as required under the Fair Credit Reporting Act ( FCRA ). I was never advised of my delinquency status prior to it being reported to the credit bureaus. 

Lack of Notification Regarding Forbearance Dates : I did not have access to my account during this period and was not notified of the forbearance end date. I reached out by phone to seek clarification but was not given accurate or accessible information from my servicer. As a result, I had no opportunity to correct any confusion or adjust my payments in a timely manner. 

Payment History Since Notice : After being notified by my local credit union, not by my actual lender, I have made every effort to bring the account current. Since then, I have made consistent payments and should not be penalized by the continued presence of a XXXX delinquency on my credit file. 

Incorrect Loan Balances Across Credit Reporting Agencies : As of the date of this letter, the following balances are either outdated or inaccurately reported : Direct Subsidized Loan XXXX : {$3300.00} Direct Subsidized Loan XXXX : Should reflect a {$0.00} balance, but continues to show {$0.00}, Until I submit payment then it shows a {$0.00} balance. 

Direct Subsidized Loan XXXX : {$3600.00} Direct Subsidized Loan XXXX : {$4600.00} These discrepancies continue to affect my credit standing, limit access to financial opportunities, and reflect poorly on my responsible payment behavior. 

Attached to this letter are supporting documents including payment confirmations, credit report excerpts, and my identification for verification purposes. 

Please confirm receipt of this letter and notify me promptly of any findings or updates in your investigation. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and damaging information reported on my credit report, which has resulted in an unjustified drop of more than XXXX points to my credit score. I am requesting that the Consumer Financial Protection Bureau investigate these issues and assist with resolving them promptly. 

Issues in Dispute : Incorrect Missed Payment Reporting : My credit report inaccurately reflects missed payments for XXXX and XX/XX/year>. This is incorrect. I made multiple timely payments in XXXX, including : XX/XX/year> {$580.00} XX/XX/year> {$1100.00} XX/XX/year> {$1300.00} Despite these payments, my account was reported as 90 days delinquent without proper prior notification, as required under the Fair Credit Reporting Act ( FCRA ). I was never advised of my delinquency status prior to it being reported to the credit bureaus. 

Lack of Notification Regarding Forbearance Dates : I did not have access to my account during this period and was not notified of the forbearance end date. I reached out by phone to seek clarification but was not given accurate or accessible information from my servicer. As a result, I had no opportunity to correct any confusion or adjust my payments in a timely manner. 

Payment History Since Notice : After being notified by my local credit union, not by my actual lender, I have made every effort to bring the account current. Since then, I have made consistent payments and should not be penalized by the continued presence of a XXXX delinquency on my credit file. 

Incorrect Loan Balances Across Credit Reporting Agencies : As of the date of this letter, the following balances are either outdated or inaccurately reported : Direct Subsidized Loan XXXX : {$3300.00} Direct Subsidized Loan XXXX : Should reflect a {$0.00} balance, but continues to show {$0.00}, Until I submit payment then it shows a {$0.00} balance. 

Direct Subsidized Loan XXXX : {$3600.00} Direct Subsidized Loan XXXX : {$4600.00} These discrepancies continue to affect my credit standing, limit access to financial opportunities, and reflect poorly on my responsible payment behavior. 

Attached to this letter are supporting documents including payment confirmations, credit report excerpts, and my identification for verification purposes. 

Please confirm receipt of this letter and notify me promptly of any findings or updates in your investigation. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 

To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my previous written requests, the following accounts continue to be reported on my credit profile without proper validation. This is a direct violation of the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ). If you are unable to provide documented proof confirming the accuracy of these accounts, they must be deleted without delay. I am prepared to escalate this matter if necessary. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am the victim of identity theft. On XX/XX/year>, I submitted legal demands to Experian and Equifax via certified mail, requesting immediate deletion of multiple fraudulent accounts, inaccurate addresses, and unauthorized employment data. Despite invoking my rights under FCRA 605B and RCW 19.255, both companies have either failed to correct or ignored my dispute entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This Company constantly Refuse to send me Validation of this account showing that I have an account with them and that I signed a contract with Portfolio recoveries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
All the transactions were held on XX/XX/XXXX which was a Monday. The money was also taken out of my account in that same instance. Today, XX/XX/year>, they emailed me with all petty transactions stating that I have to add money to my account or theyll charge me {$35.00} for each transaction. This is the third time theyve done this to me but this is the one time that I deliberately paid attention to see if Im not just conspiring. Wells Fargo told me that I can not rely on the mobile banking app to tell me exactly how much is on my account and it doesnt matter about the pending or if the money was pulled from the account, if theres no money in the account at the moment then Ill be charged regardless. Its a bunch of deli transactions

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The offered an upgrade on my credit card and I called them to verify that i wasnt gon na get a new credit line so when I accepted the offer they opened a new credit line for me which I dont need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. i am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in over coming this unfortunate experience. Below are the details of the fraudulent items I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing how this XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX is being reported by Equifax. The data is factually incorrect and misrepresents the timeline, delinquency, and current status. Ive attached my full dispute letter, screenshots of Equifaxs version of the tradeline, and supporting reports from XXXX XXXX XXXX that help show the clear contradiction in how this same account is being reported. One Equifax version shows the charge off happening in XXXX with CO notations continuing through XXXX. That reporting is not only inconsistent, it directly reages the account and distorts the true timeline which violates multiple sections of the Fair Credit Reporting Act. This kind of false data breaks the law in several ways. Under FCRA Section 607 ( b ) ( 15 USC 1681e ( b ) ), Equifax must ensure maximum possible accuracy. Reaging the account and reporting charge offs past the actual delinquency violates that standard. Under FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers may not report information that is false or misleading. FCRA Section 611 ( a ) ( 5 ) ( A ) ( 15 USC 1681i ( a ) ( 5 ) ( A ) ) requires deletion of unverifiable or inaccurate data, not a correction. FCRA Section 602 ( a ) makes clear that fairness and accuracy are core obligations under federal law. The current reporting undermines that. CFPB Bulletin XXXX also clarifies that knowingly distorting account status or exaggerating risk is deceptive and unacceptable. This is not a formatting error. The data is legally noncompliant and actively misleading. I expect Equifax and the CFPB to review the attached evidence closely. There is no way this reporting meets the legal standard for accuracy. I am demanding full deletion, not a fix or an update, because the core data can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a text from what I thought was my bank. Asking if I approved a charge, I responded no. Then I received a 2nd text stating that a rep from my bank ( BOA ) would be calling to review and that a hold had been placed on my card. I received a call from BOA, it came up as BOA on my caller ID, I googled the number as well. I was then instructed to accept another call from the FDIC and was given a code to provide to that caller. I was told that in order to reverse the transaction I would need to reroute money from checking to savings via XXXX and that the charge would be reversed. Again the entire time Im thinking Im still talking to my bank, they asked all the right questions. Then the guy said you XXXX XXXX youve just been scammed and hung up. I left work immediately and drove to my local BOA branch. They filed a claim and told me the funds were transferred to XXXX XXXX and provided me with a phone number associated with the account XXXX. I called XXXX XXXX and they said I have to wait till they receive the claim but that it is highly unlikely I will get my money back. It was everything I had in my check and savings, {$3200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX Account number- XXXX

Company response to consumer: Closed with non-monetary relief