vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-01 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: SC

Complaint narrative:
I am a victim of identoty theft and the account listed is not mine and Transunion fails to send proof if investigation of all previous disputes including contact information, date, time etc. I have token this matter to the next level company fail to remove this account from my credit report. 

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 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-08-01 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I am disputing inaccurate and unfair credit reporting by XXXX XXXX XXXX on my closed credit card account. 

On XX/XX/year>, I made a payment that was accepted. I continued making regular payments, including one on XX/XX/year>. However, XXXX XXXX XXXXXXXX recently informed me that the XX/XX/XXXX payment was reversed on XX/XX/year>, due to an issue with the external bank account. I had no knowledge of this until XXXX. Despite this, XXXX XXXX XXXXXXXX reported me as 30 days late in XXXX and 60 days late in XXXX, and also increased my reported balance by over {$2000.00}.

These late payment entries are inaccurate and misleading. I was not informed of the returned payment until months later, and I continued to pay during the affected period. I did not willfully miss or skip any payments, nor was I notified at the time of any failure.

I spoke with a XXXX  XXXX XXXX supervisor who acknowledged the situation and submitted a dispute, but I later received a denial letter dated XX/XX/year> ( case number XXXX ), refusing to correct the report. This letter is attached to this complaint.

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 2025-08-01 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: TX

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting 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 explanation
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
THIS IS AN IMMEDIATE NEED - Bank of America previously reported my account to all three credit bureaus, including XXXX. However, for reasons that are unclear to me, they stopped reporting to XXXX. I contacted Bank of America regarding this issue, and after investigation, they acknowledged the error and agreed to resume reporting the account to XXXX. 

This agreement was made over 30 days ago. Despite their confirmation, the account is still not being reported to XXXX  as of today. This delay is directly affecting my credit profile and stopping my home loan from closing and creating a hardship and potential issue with the seller.

I have provided all necessary documentation to Bank of America and have been waiting patiently for them to follow through with their commitment. I believe this lack of follow-through is causing harm and is a failure of fair and accurate credit reporting obligations.

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 2025-08-01 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 am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
I am filing this report because my personal information was compromised in a data breach, resulting in fraudulent activity and accounts being opened in my name without my knowledge or consent. I did not authorize the creation of the accounts listed in the breach notification or those currently appearing on my credit report.

This breach has caused me emotional distress and placed an undue burden on my financial well-being and personal security. I am urgently requesting that these unauthorized accounts be thoroughly investigated and removed from all consumer reporting agencies without delay. Furthermore, I request any entities involved cease all collection attempts, account reporting, or legal actions associated with these fraudulent accounts. These companies have yet help me.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these fraudulent accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these unauthorized items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these fraudulent accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these unauthorized items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

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 2025-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mortgage One Funding LLC
State: AL

Complaint narrative:
Subject : Unauthorized Lienholder Change on Homeowners Insurance by XXXX XXXX XXXX  XXXX Mortgage One Funding I am filing this complaint to report unauthorized and deceptive conduct by XXXX XXXX XXXX, acting through Mortgage One Funding and employee XXXX XXXX. 

On XXXX XX/XX/year>, I discovered that the lienholder on my homeowners insurance policy was changed from my actual mortgage holder ( XXXX XXXX ) to XXXX XXXX XXXX, without my knowledge, consent, intent to proceed, or a closed loan.

I have a written email from XXXX XXXX ( Mortgage One Funding ) to my insurance company, requesting this change. I never authorized any party to initiate a lienholder change or take any action on my insurance policy. I had only obtained a quote from this company, and no further steps were taken.

This false representation has the potential to interfere with my mortgage terms, escrow account, and insurance coverage. My insurance agent acted in good faith and has since worked with me to restore the correct lienholder ( XXXX XXXX  ). 

I believe this conduct may violate state insurance regulations, federal mortgage lending laws, and consumer protection standards, and I am requesting that this matter be formally investigated.

Parties Involved : Current mortgage holder ( removed ) : XXXX XXXX Unauthorized party ( added ) : XXXX XXXX XXXX  / Mortgage One Funding Employee who made the request : XXXX XXXX XXXX XXXX : Auto Owners Insurance ( Agent XXXX XXXX XXXX XXXX, XXXX AL ) I am happy to provide supporting documentation, including the email sent to my insurer, upon request.

Thank you for investigating this serious matter.

As a side note, the mortgage broker that I was dealing with ( XXXX XXXX ) for the loan estimate was extremely deceptive in his loan estimate. He was specifically asked to provide a quote with no points being bought. When we sent me the new loan quote he stated he had removed any points and bragged that he had a great rate. However, he actually did have points bought and had not removed or reduced any of the fees he said he had in the email. Had I not been paying attention, I would have made a major financial mistake in going with his company. I have documentation of all this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MO

Complaint narrative:
My wife and I had a checking account at US Bank. We also had some CD accounts. After my wife died in late XXXX, I transferred

the CD funds to a money market account, pending a decision on how to best use those funds. I did not want to make any moves until at least a year after her passing and sought investment advice from several sources. Our main source of income had been her retired teacher 's pension and that ceased with her death. After considering several options, I decided to close the US Bank accounts as the branch was distant from my home and to invest in products offered by a nearby bank that I was using for all my automatic payments and for any interest income that I was still receiving. 

On XX/XX/XXXX, I visited the US Bank branch in XXXX, Missouri and asked for a cashier 's check for the total balance of the two accounts. The last interest payment into the money market account had been on XX/XX/XXXX, so I assumed that accumulated interest would be added to the final balance. I was not told that no interest would be paid and I didn't notice till I deposited that check at the other bank that I had lost two weeks of interest on a balance of over {$200000.00}.

The next day, I phoned the US Bank customer support line and was informed that the two weeks ' interest totaled {$270.00} and that it had been reinvested in the account but then withheld as I had closed both accounts. I asked how I could resolve the situation and was advised to visit the branch and speak to
the manager. I did so on the afternoon of XX/XX/XXXX and was told that he had already left for the day. 

I visited again on XXXX XXXX and the manager told me that he would remind his staff that they should alert customers to the bank policy of not paying interest and that he would call me back with any resolution of my complaint. The next day he called me to say that nothing could be done to help me.

If I had been told that I would have lost the interest payment, I would have asked for a smaller withdrawal and kept the account open. Any other bank that I have dealt with has always paid interest accrued till the date of withdrawal. The manager 's comment that he would have to remind his staff to inform customers of the bank policy implies that I was unfairly treated.

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 2025-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Summary : I have been a client of Bank of America since XXXX. In XXXX, I was granted a {$50000.00} unsecured personal line of credit which I have maintained in good standing. On XX/XX/XXXX, I received a notice from the bank stating that the line would be closed by XX/XX/XXXX a mere 45 days notice with no offer of alternatives, no evaluation of my creditworthiness, and no opportunity to retain the product despite nearly 20 years of responsible use.

Why Im complaining : This was a blanket policy decision with no individual discretion, applied uniformly across the client base, including long-tenured customers like myself. When I protested and escalated through the proper channels, I received courteous but scripted responses citing federal regulations none of which were specified. My request to speak with a
manager was declined. The handling of this situation has been impersonal, abrupt, and deeply disappointing.

The bank has also repeatedly attempted to upsell me into larger commitments and products as a way of resolution.

Impact : I am not challenging the banks right to change its product offerings only the way it has chosen to do so. The lack of individualized assessment, meaningful transition options, or even a genuine conversation reflects a concerning erosion in how legacy clients are treated. This has compelled me to move my entire banking relationship elsewhere.

Resolution requested : I would like the CFPB to review whether Bank of America has acted in good faith and in compliance with fair lending and consumer notification practices in this case, and whether mass product closures of this type meet the standard of reasonable and respectful treatment under federal oversight.

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