vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
They overcharged us for the vehicle and the credit union paid the balance off however, we decided not refinance because we only have a year left paying the vehicle and we hoping for a lower payment and lower interest but they cashed the check and since we reported it before but they cashed it anyway after I called constantly telling them not to cash it. They stated if they received the check theyll have to cash it per policy. I asked for a copy of the policy to be sent to my Ally app about 2 weeks ago and never received it. My finance changed and I asked for a lower payment and they still wouldnt assist me at all .. they called today stating theyll send the payment back once they receive the title back. I think it sounded real iffy. I think the company is trying to keep the money and the title!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MO

Complaint narrative:
LexisNexis is reporting inaccurate eviction information on my consumer report that resulted from identity theft. This matter has already been reported to IdentityTheft.gov, the CFPB, and all three major credit bureaus, as well as the rental bureau, which have all verified the documentation and deleted the inaccurate information from their reports.

Despite this, LexisNexis continues to report the false eviction record. I have provided LexisNexis with copies of my identity theft report, court documentation, and proof of deletion from other reporting agencies, yet the information remains.

This inaccurate reporting is causing harm to my ability to obtain housing and violates my rights under the Fair Credit Reporting Act ( FCRA ) specifically Sections 607 ( b ) ( duty to ensure maximum possible accuracy ) and 611 ( a ) ( duty to reinvestigate disputed information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> I called Bank of America around XXXX. I have a home mortgage Social Security last four digits XXXX. 

The property is at XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX. 

I first spoke to XXXX and asked what is the escrow amount include. She said she didnt know but would transfer me to my Account Manager. 

I then spoke to someone named XXXX who said there is no escrow on my account but she would transfer me to Customer Service. 

At XXXX XXXX  I spoke to XXXX about my escrow account who asked to verify my identity using a code via text message. 

Per XXXX he cant verify me so he can not give me the escrow analysis. 

Per XXXX I need to go into a branch to be verified with a drivers license. Very inconvenient. 

However, I spoke with Bank of America three times today and was verified without a text message. I then asked for a supervisor and XXXX stated a supervisor cant verify me either. 

Its now XXXX and Im on hold for a supervisor. 

At XXXX XXXX  a supervisor came on the line name XXXX from XXXX. XXXX stated again I would have to drive into a branch to show my drivers license. 

Very frustrating, XXXX XXXX XXXX This is terrible customer service.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> i switched my direct deposit received my check used my debit card until XX/XX/year>, on XX/XX/year> i entered the bank and they told me my account needed to be verified, I provided identification and they said the hold was off of my account and on XX/XX/year> I had another check deposited in my account and was not able to access funds and they said my account was frozen but didnt give me any details or information about what happened. I just went into the the bank on XX/XX/year> and no one can provide information on why my account is frozen or why I can not access my account

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 2025-10-20 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: TN

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I am filing this complaint because [ XXXX  / Equifax / XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( XXXX  ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( XXXX  ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( XXXX  ), XXXX  paid {$23.00} XXXX  after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A fraudulent account has been reported on my credit report and is showing as charged off with XXXX XXXX. This account does not belong to me and is the result of identity theft. I have already filed a police report documenting the fraud and can provide a copy if needed. 

Despite notifying the creditor and credit bureaus, this account continues to appear on my credit report, negatively impacting my credit standing. I have followed all required procedures, including providing my police report, but the creditor has failed to remove or correct the reporting. 

Requested resolution : I am requesting that this fraudulent account be deleted from my credit report immediately and that the creditor cease all reporting and collection activity related to this account. I also ask that any negative information related to this fraudulent account be removed from all three credit bureaus ( XXXX, XXXX, and TransUnion ).

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 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I parked the car, hoping to sublease it as a rideshare for XXXX I went in explaining this to the man he lied to me completely. He sold me a car that had XXXX miles on it and before I left there, I asked him to delete it. I changed my mind before I even left there. They said I couldnt do that long with finance. I left the car there. It was there a month and then they told me I had to come pick it up once I picked the car up. I drove it 2 to 3 days and the engine went out. The car company would not pick up the car from the shop. They abandoned the car and I am stuck with the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank Checking Account was opened without my consent or knowledge Letter 1 XX/XX/XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Date : XX/XX/XXXX To : XX/XX/XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, I am writing to dispute the accuracy and legitimacy of certain accounts appearing on my XX/XX/XXXX credit report. Pursuant to 15 U.S.C. 1681c-3, I am requesting that you block and permanently remove any information resulting from identity theft or inaccurate reporting within four ( 4 ) business days of receiving this notice.

The following accounts are disputed as they are inaccurate and/or the result of identity theft : Letter 2 XX/XX/XXXXDate of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Date : XX/XX/XXXX To : XX/XX/XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of certain inaccurate and fraudulent information on my XX/XX/XXXX credit report. In accordance with 15 U.S.C. 1681c-3, I am requesting that you block and delete this information immediately.

Under the FCRA, you must block this information within four ( 4 ) business days and notify the furnishers that the data has been removed. Please provide written confirmation of your actions once completed.

Letter 3 XX/XX/XXXXDate of Birth : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Date : XX/XX/XXXX To : XX/XX/XXXXXXXX XXXX XXXX XXXX. 
XX/XX/XXXXXXXX Subject : Request for Investigation and Removal of Inaccurate/Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-3 ( FCRA Section 605C ) To Whom It May Concern, This letter serves as a formal dispute of inaccurate and fraudulent information contained in my XX/XX/XXXXcredit file. Pursuant to 15 U.S.C. 1681c-3, I request that these items be blocked and permanently deleted from my report.

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 2025-10-20 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-20 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-10-20 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  / XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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