vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-27 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 did not authorize or open these accounts and suspect they were fraudulently added. I ask for immediate correction of my credit report and a full investigation. Please refer to the attached documentation.

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 2025-10-27 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of XXXX U.S.C. 1692g. 
They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Dear Equifax 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I refinanced my vehicle with Bank of America. The bank failed to complete the XXXX title transfer, and as a result, my title is listed as lost in the California XXXX system. Because of this, I have been unable to legally register my vehicle since XX/XX/XXXX. 

Despite this, I have continued to make monthly payments of {$380.00}, totaling {$9300.00} over XXXX XXXX for a car that I can not XXXX XXXX. I also paid {$430.00} ( XXXX ) and {$760.00} ( XXXX ) in registration fees that were never applied. In XXXX, I was notified that my registration, which I paid for in XXXX, was also on hold because of the title transfer problem. 

I contacted the XXXX, and they confirmed that the issue is entirely due to the lienholders ( Bank XXXX XXXX ) failure to submit proper title paperwork. This negligence has caused me financial loss, late penalties, and emotional distress. 

I sent the notice to Bank of America via contact form in my online bank account. 
Copy of this notice : Dear Bank of America XXXX XXXX Department, I am writing to formally request a resolution of a serious issue caused by your failure to complete the XXXX title transfer for my vehicle after I refinanced with Bank of America in XXXX. 

As a result of this negligence, the California XXXX lists my vehicle title as lost, making it impossible to complete registration since XX/XX/XXXX. This has rendered my use of the vehicle illegal for over XXXX years, despite my continued on-time loan payments. 

Facts and Damages : Vehicle refinanced with Bank of America in XXXX. 
XXXX confirms title was never properly transferred by the lienholder. 
Legal registration expired XX/XX/XXXX and can not be renewed. 
Monthly loan payments of {$380.00} continue to be withdrawn. 
Total payments made while vehicle unusable : {$9300.00} ( XXXX XXXX  ). 
XXXX registration fees paid but not applied : {$430.00} ( XXXX ) and {$760.00} ( XXXX ). 
Alternative transportation and penalties : approximately {$1200.00}. 
Emotional distress and loss of use : {$5000.00} estimated. 
Total Claimed Compensation : {$16000.00} I am requesting : XXXX correction and reissuance of the title with XXXX. 
Written confirmation that the issue has been resolved. 
Compensation for my financial and emotional damages totaling {$16000.00}. 
If this issue is not resolved within XXXX business days from the date of this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the California Department XXXX XXXX XXXX and XXXX ( XXXX ), and I will pursue the matter in XXXX XXXX XXXX. 

I sincerely hope to resolve this matter amicably, but I must protect my rights as a consumer and a paying customer. 

Sincerely, XXXX XXXX Thank you

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 2025-10-27 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: AL

Complaint narrative:
[ IDENTIFICATION AND SUPPORTING DOCUMENTS ATTACHED IN DISPUTE PACKAGE DOCUMENT ] I filed a detailed dispute with Equifax on XX/XX/XXXX, concerning serious inaccuracies with my XXXX XXXX XXXX XXXX loan account. Equifax acknowledged the dispute on XX/XX/XXXX but did not issue a response until XX/XX/XXXX well past the XXXX window required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This delay violates the Fair Credit Reporting Act ( FCRA ) and demonstrates a failure to perform a timely or reasonable reinvestigation. 

XXXX late response was a templated form letter that ignored the factual evidence I provided and falsely claimed the account was verified. The companys own credit-file data contradicts this assertion. Equifax reports multiple XXXX late payments between XXXX and XXXX with no XXXX entries preceding them an impossible sequence under XXXX XXXX reporting standards XXXX The accounts date of last payment is also incorrect, listed as XX/XX/XXXX when BMWs official payoff proof shows XX/XX/XXXX. These contradictions prove the data is internally inconsistent, unreliable, and unverifiable. 

Despite repeated requests, Equifax has never provided the method of verification required by 1681i ( a ) ( 6 ) ( B ) ( iii ). It continues to republish data that is facially false and unsupported by documentation from XXXX. Under XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit bureaus can not rely solely on a furnishers word when evidence shows their data is defective. XXXX failure to act within 30 days, followed by closing its response near the CFPBs XXXX limit, appears to be a deliberate tactic to avoid accountability rather than an honest investigation. 

XXXX behavior violates multiple federal and state laws : 15 U.S.C. 1681i ( a ) Failure to complete a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Re-reporting information known to be inaccurate.

15 U.S.C. 1666 ( b ) Billing-error misreporting principles under the Truth in Lending Act.

Ala. Code 5-19-19 and 8-19-5 ( 27 ) Alabama Consumer XXXX Act and Deceptive Trade Practices Act prohibiting publication of false credit data. 

XXXX XXXX. XXXX ( XXXX XXXX ) Unfair or deceptive acts or practices. 

These failures have caused measurable harm to my creditworthiness and peace of mind. XXXX acceptance and continued reporting of data that is clearly unreliable constitutes reckless disregard and willful noncompliance under XXXX and XXXX. The evidence providedincluding payoff documentation, screenshots from XXXX own system, and prior CFPB case recordsshows a pattern of systemic neglect that undermines the integrity of credit reporting nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This incorrect late payment misrepresents my financial responsibility. Kindly delete it and revise my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b"I've been in the process of trying to modify my Home mortgage with Chase. I found out today that Chase has denied my whole modification and the reasons were as follows. That my loan is an asset loan and that due to my interest rate being at 3.25% currently and market rate being closer to 6 1/2% they would not be able to reduce my monthly mortgage payment or modify it. They also let me know that they could not modify the loan by extending the term and offering any type of forbearance for the past due amount being added to the back of the loan. They also told me this was due to specific investor guidelines for modification. I do not agree with this and believe that there is federal and state of California laws that require Chase to give best efforts in modify the loan. I have supplied to them all of my medical hardship Records which started three years ago with surgeries as recently as March may and July 2024. I was also able to demonstrate that I have been full-time back to work with two jobs show sufficient income to cover my debt ratio with monthly positive cash flow. All I was asking for was some type of forbearance I wasn't even asking to necessarily drop my interest rate or lower my payments I just fell drastically behind I needed help getting caught up as I currently make sufficient money to pay the mortgage and I do not want to lose my home. My property also would be at 50% loan to value which I believe Chase is taking advantage of me to try to force a sale knowing that I have so much equity. I currently owe around 1.3 million and chases appraisal just came in at one point nine 5 million. The equity is all I have and the fact that they are forcing me into foreclosure and not working with me under the laws of home modification is not acceptable. I have demonstrated that I am willing and able to make the payments I need help I need someone to advocate for me I am a quadriplegic doing the best that I can. Thank you for your help"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report WEBBANK/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. 
They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report WEBBANK/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. 
They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint to request a credit freeze with all three major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation