vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
Upon receiving my XX/XX/year> statement, I logged in to my account ( ending in XXXX ) at the bank 's website on XX/XX/XXXX, and submitted a payment for the full {$250.00} balance to be paid on the XX/XX/XXXX due date. The bank acknowledged the payment with Confirmation # XXXX. On XX/XX/XXXX the bank sent me an email stating " Payment Not Received ''. I immediately called the bank to complain. Customer rep XXXX informed me that subsequent to the XXXX statement, the bank had changed my account number to ending in XXXX and issued a new card, closing my XXXX account. She researched my payment and assured me that it would be credited retroactively to the XX/XX/XXXX due date, and that in response to my concern over my credit history showing a late payment, there would be no such record because the payment would show being received on XX/XX/XXXX. However, when I checked my account today, XX/XX/XXXX, it showed the payment was applied to the new account on XX/XX/XXXX, not XX/XX/XXXX as she promised. While it is good that the bank shows no balance on either account XXXX nor account XXXX, I have no documentation, which I requested of XXXX, that my payment history will show NO LATE PAYMENT. Thus, the bank may be wrongly putting negative information onto my payment history. While the problem may have been caused by inefficiency on the bank 's part, I do wonder whether the delayed posting may be retribution against me because I have filed several complaints in the recent past against the bank 's errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: KY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge.please help me with these accounts removing them from my immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
my inform was part of XXXX XXXXXXXX BREACH and was used to open fraud bank account XXXX XXXX XXXX XXXX XXXX account number XXXX and amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
In XXXX, an auto loan serviced by XXXX XXXX was repossessed. After the repossession, the account began appearing twice on the consumers credit reports : once under XXXX XXXX and a second time under a collection/attorney account. Both tradelines reported the same alleged deficiency balance of {$9500.00}, effectively duplicating the negative information. 

The consumer disputed the accuracy of the reporting with XXXX  and also requested validation from the collector. Specifically, the consumer requested documentation such as : Proof of assignment or ownership of the debt, An itemized calculation of the deficiency balance, and Repossession and auction information.

Despite these requests, no proper validation or supporting documents were provided by the collector or XXXX XXXX. The duplicate tradeline and unverified balance continue to be reported, which the consumer believes violates federal credit reporting requirements. 

The consumer is requesting that the duplicate tradeline be removed, that the companies verify who owns the debt, and that complete validation and an accurate accounting of the balance be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
INACCURATE LATE PAYMENTS. I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened an account around XX/XX/year> to help collect money from parents on my son 's hockey team. We use the funds to pay for tournaments and other activities. Once the account was opened I informed parents and they began sending their monthly dues of {$200.00} via XXXX. This amount was sent by 10 of our team families and additional amount was deposited by myself. Wells Fargo indicated that the account was flagged for fraud and closed on XX/XX/year>. I visited the branch and was given the reason for the closure and assured the funds would be sent to me via bank check. After waiting for a week or so I contacted the bank via telephone and spoke with the fraud department. They indicated the account was closed and that funds would not be returned to me and that our parents would have to dispute the charge with their banks. Wells Fargo has stolen the funds under false allegations, they refuse to return the funds, and have given me misinformation regarding claims through XXXX. I am requesting an immediate release of the funds in the amount of {$2200.00} via bank check pay to the order of myself, or the immediate return of the funds via zelle to our parents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
This is a supplemental complaint related to ongoing identity theft and improper credit reporting activity. After the XXXX identity theft account was removed, XXXX NEW fraudulent accounts appeared : ( XXXX ) a XXXX XXXX auto loan added by a third-party furnisher, and ( XXXX ) a Just Energy Texas XXXX account. I updated my FTC Identity Theft Report and attached my police report, ID, and address verification. Under FCRA 605B, these accounts must be blocked within XXXX business days, yet the bureaus are delaying and marking these items as under investigation. 

Additionally, XXXX other disputed accounts Conns HomePlus and XXXX XXXX Bank were updated without the credit bureaus providing the required Method of Verification under FCRA XXXX11 ( a ) ( 6 ) ( B ) ( iii ). I have never received any documentation from these creditors proving these accounts belong to me.

This is now a pattern of mixed-file errors, improper reinsertion activity, and failure to comply with FCRA 605B, 611, and 623 ( a ) ( 6 ). I request immediate deletion of all fraudulent and unverified accounts. * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove these inquiries from my report : XXXX XXXX XXXX - XXXX XXXXXXXX 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 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MO

Complaint narrative:
Hello, This is in regards to my 5 Sallie Mae loans, I am currently past due, under 30 days, and am planning on making a payment this Wednesday. I continue to receive 4-8 calls a day in reference to my loans. I have requested the company stop calling me and they have continued to do so. I have also had them reach out to my brother in laws mother, my brother in law, my aunt, and my grandma in reference to my loans. I have asked them to stop this and it was continued. I find this extremely predatory and illegal as Sallie Mae is not allowed to call more than 7 times in a 7 day period and they continue to violate that with robo calls from XXXX and real customer service agents. I feel harassed and extremely uncomfortable. If this does not stop I will pursue further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and score. Despite assurances from your representative that these fraudulent inquiries would be removed, they persist. This inaction is unacceptable and indicates potential identity theft. The ongoing harm to my finances and well-being is intolerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I am submitting this complaint regarding a bankruptcy inaccurately reported on my TransUnion consumer profile and the credit bureaus failure to properly investigate my dispute in compliance with the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events : On XX/XX/year>, I disputed a bankruptcy on my TransUnion report. The investigation was completed within two days, which is not sufficient to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ).

I obtained a letter from the furnisher confirming that they do not report bankruptcy information to any credit bureau. 

On XX/XX/year>, I sent a certified letter ( signed XX/XX/year> at XXXXXXXX XXXX ) to TransUnion requesting the method of verification and description of procedure for the bankruptcy reporting account, including the furnishers documentation, as required under 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) & ( B ).

Approximately one week later, I received a postcard stating that the letter was not recognized as sent by a real person. I contacted TransUnion by phone on XX/XX/year>, confirmed my identity, and a supervisor stated the letter would be resubmitted and the dispute would be reinvestigated within 30 days. 

On XX/XX/year>, I received a letter stating that after review, the bankruptcy was verified as accurate by the furnisher, despite the furnishers prior written confirmation that they do not report to any credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CT

Complaint narrative:
I filed a dispute with the bureau for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming my disputes are coming from a XXXX party. When in actuality they are not coming from a XXXX party. They are coming from me! I even called the bureau to verify it was me and they still refused to process my disputes. I've not only wasted my time, but I've also wasted my money on mailing in my disputes. I also sent in my personal information through the mail just for them not to thoroughly investigate. This request is inaccordance with my rights under FCRA, including Section 605 and State Law. Looking forward for the immediate removal of the following 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CT

Complaint narrative:
I filed a dispute with the bureau for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming my disputes are coming from a XXXX party. When in actuality they are not coming from a XXXX party. They are coming from me! I even called the bureau to verify it was me and they still refused to process my disputes. I've not only wasted my time, but I've also wasted my money on mailing in my disputes. I also sent in my personal information through the mail just for them not to thoroughly investigate. This request is inaccordance with my rights under FCRA, including Section 605 and State Law. Looking forward for the immediate removal of the following 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 submitting this follow-up complaint because my XXXX XXXX credit card account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  balance {$650.00} ) is being reported inaccurately and inconsistently across the three major credit bureaus Experian, Equifax, and TransUnion in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). The Date of Last Activity ( DLA ) for this account is reported differently by each bureau : TransUnion shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. These discrepancies create confusion and may misrepresent the current status and age of the account, and none of the bureaus report any late payments despite the timeline suggesting otherwise. Because data furnishers and credit reporting agencies must ensure accuracy and consistency, this appears to violate FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting, as well as 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to promptly correct, update, and investigate reported inaccuracies. Additionally, I have not received documentation verifying which version of the account data is correct, nor have I been provided billing statements or payment history to support the reported activity dates, which violates my rights under FCRA 609 ( 15 U.S.C. 1681g ) to full disclosure and FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate or unverifiable information. I am also aware that FCRA 15 U.S.C. 1666 and 1666a protect consumers from continued negative reporting or collection activity while a billing dispute is unresolved, and XXXX XXXX failure to verify the reported information raises compliance concerns under these provisions. I request that the CFPB require XXXX XXXX and the credit bureaus to conduct a full investigation, provide documented verification of the correct account history, and correct or delete any information that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am submitting this follow-up complaint because my XXXX XXXX credit card account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  balance {$650.00} ) is being reported inaccurately and inconsistently across the three major credit bureaus Experian, Equifax, and TransUnion in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). The Date of Last Activity ( DLA ) for this account is reported differently by each bureau : TransUnion shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. These discrepancies create confusion and may misrepresent the current status and age of the account, and none of the bureaus report any late payments despite the timeline suggesting otherwise. Because data furnishers and credit reporting agencies must ensure accuracy and consistency, this appears to violate FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting, as well as 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to promptly correct, update, and investigate reported inaccuracies. Additionally, I have not received documentation verifying which version of the account data is correct, nor have I been provided billing statements or payment history to support the reported activity dates, which violates my rights under FCRA 609 ( 15 U.S.C. 1681g ) to full disclosure and FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate or unverifiable information. I am also aware that FCRA 15 U.S.C. 1666 and 1666a protect consumers from continued negative reporting or collection activity while a billing dispute is unresolved, and XXXX XXXX failure to verify the reported information raises compliance concerns under these provisions. I request that the CFPB require XXXX XXXX and the credit bureaus to conduct a full investigation, provide documented verification of the correct account history, and correct or delete any information that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hi, I have the Amex XXXX card for the last XXXX years. The membership fee paid XX/XX/year> was {$790.00} for benefits that had been included for years. I realized in the summer most benefits had changed and I haven't been able to benefit from this card at all. Felling in a way completely deceived by this company. 


Tonight due to a family emergency I had to make changes to a flight that cost {$1100.00} on the airline and on the Amex site and the XXXX rep is pricing the change at {$1500.00}. I'm beyond frustrated with this company and asked for them to refund the fee since I have not been able to benefit for the services I paid for. 

I'm still on the line with them and after XXXX minutes I'm still on hold to speak to a XXXX. This is bringing so much stress and inconvenience to my already stressful schedule. 

I look forward to hearing from you go provide any additional details you might need. 

Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation