vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: TX

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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Ive had trouble trying to get Wells Fargo to release funds from a property claim that they refuse to disperse without inspections and some of the contractors require payment of 50 % upfront and the rest upon completion and Wells Fargo is unable to do that they keep asking or saying that I need a percentage of something, even though my claim includes personal items that were included and funds released. Im sorry it was not released the delay and receiving payments caused my XXXX  contractor to stop his work and refuses to carry on without payment. This is the XXXX  time I have submitted invoices and have yet to get a resolved.

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 2025-11-05 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: IL

Complaint narrative:
This account has been fully paid, yet it continues to show late payment notations.

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 2025-11-05 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: TX

Complaint narrative:
Im writing because Ive been dealing with an ongoing issue with the credit bureaus that I just cant seem to get resolved. About XXXX years ago, I was discharged from bankruptcy, yet its still being reported on my credit file. This has been going on for almost XXXX  months. 
Ive sent countless letters to all three bureaus Experian, Equifax, and TransUnion, XXXX XXXX asking them to investigate and verify the accuracy of this bankruptcy listing. Every time, I either get a stall letter asking for more personal information to verify my identity, or they send me back a generic verified as accurate response without showing any actual proof of where or how they verified it. I've sent in more than enough documents to verify my identity. 
Because I wanted to get to the bottom of it, I reached out directly to XXXX XXXX XXXX office where my bankruptcy was filed. They confirmed in writing that they do not report any information to the credit bureaus. That means the bureaus are somehow pulling or publishing this data from another sourceone that isnt authorized or verified. 
This situation is frustrating, and I believe its a clear violation of my privacy and of the Fair Credit Reporting Act ( FCRA ), specifically the parts that require accurate reporting and proper reinvestigation when a consumer disputes an account. 
Ive done everything I can to resolve this directly with the credit bureaus, but they continue to send the same unhelpful responses and keep the inaccurate bankruptcy on my report. Its been over XXXX years since I was discharged, and this information is still hurting my credit. 
Im asking the CFPB to step in and look into this matter. Please hold the credit bureaus accountable for failing to conduct a real investigation and for continuing to publish inaccurate and unverified information. 
I can provide copies of all my letters, their responses, and the written statement from XXXX XXXX XXXX confirming that they dont report to credit bureaus.

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I recently pulled my credit report and noticed a negative account that are reporting inaccurately and without my knowledge. 
Please help me get these accounts removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX  XXXX XXXX which was used to purcahse several pieces of furniture from XXXX XXXX XXXX  back in XXXX. At the time I had 24 months no interest promotion. That card was issued by Synchrony Bank. XXXX XXXX XXXX switched this card ( without the consumer 's consent ) from Sychrony to XXXX XXXX in XXXX. The information we have is the migration was completed on XX/XX/XXXX or XXXX ( information provided wasn't consistent ). I noticed my balance Synchrony provided to XXXX  could be incorrect and would like to verify it but XXXX closed my XXXX XXXX  XXXX account and I wasn't able to access any information, note I signed up with paperless statement with Synchrony and made the auto-payment throughout. Therefore I don't have any paper statements for me to verify the balance. When I asked XXXX, they said they transferred everything to XXXX as of XXXX of this year so they didn't have anything for me to verify with. XXXX  at the same time said they didn't have any of my statement history, all they have for my " new '' XXXX  card/account is the balance XXXX gave them. In the meanwhile, XXXX also charged me {$92.00} interest for XXXXXXXX XXXX  statement, which is wild! We as consumbers didn't even get involved with this migration. We also don't have any access to the old information. We believe this is illegal business practice and would like for CFPB to investigate XXXX XXXX XXXXXXXX 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 2025-11-05 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: FL

Complaint narrative:
These accounts are fraudulently reported under my name without any authorization, consent, or knowledge on my part. I have never authorized, managed, or been associated with them in any way. This is utterly unacceptable, as it spreads false and damaging information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused me profound distress and alarm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America denied or delayed reimbursement for two Regulation E fraud claims involving unauthorized XXXX XXXX transfers. 

Claim # XXXX : {$6300.00} Claim # XXXX : {$1500.00} XXXX : {$7900.00} These were unauthorized electronic funds transfers made using stolen account credentials. I did not authorize these transfers. 

My account had fraud alerts and transaction monitoring enabled. However, the bank failed to detect or notify me of these unauthorized transfers for several months and only notified me when one {$350.00} transaction triggered an alert. The banks failure to detect or alert me indicates a breakdown in its fraud monitoring systems. 

Bank of America attempted to deny reimbursement based on my login frequency, which is * * not a lawful basis for denial * * under * * Regulation E ( 12 CFR 1005.6 ) * *. Liability is determined by whether the transfers were authorized, not whether I noticed them immediately. 

I am requesting the CFPB require Bank of America to : 1. Reopen both claims, 2. Issue full reimbursement, 3. Provide provisional credit during review, 4. Confirm compliance with Regulation E.

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 2025-11-05 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: NC

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 : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXXXXXX 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2025-11-05 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 grant 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 2025-11-05 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I am a North Carolina resident and a confirmed victim of the XXXX  and TransUnion data breaches, during which my Social Security number was compromised and later used for personal gain to fraudulently obtain credit cards. Despite my repeated disputes, TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Specifically, TransUnion has reinserted fraudulent accounts after deletion without providing me with the required certification of accuracy from the furnisher, nor has it provided me with proof of accuracy or a copy of the original wetink signature as evidence of my liability. Under 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert previously deleted information unless the furnisher certifies its accuracy, and the agency must notify the consumer within five business days of reinsertion. TransUnion has failed to meet these statutory requirements, continuing to report fraudulent accounts that were established using my stolen identity. 

The fraudulent accounts in question include : A. XXXX XXXX Card/ Balance : $ XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX/ $ XXXX XX/XX/XXXX Both accounts were deleted after disputes but have since been reinserted without proper certification or notice, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ). I request that the CFPB force TransUnion to permanently delete these fraudulent accounts, provide documentation of compliance with FCRA reinsertion procedures, and take enforcement action to ensure TransUnion ceases unlawful reinsertion practices that continue to harm victims of identity theft such as myself.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I was billed for a fraudulent charge of {$160.00}. This was on a XXXX MasterCard issued by synchrony bank. Upon finding the billing on my online statement, I called immediately and reported that it was a fraudulent charge. 

They opened an investigation, and about six weeks later they billed it back to my account saying I was responsible for the charge. This has been going on now since XXXX of this year. 
The charges were removed and reinstated four times now! 
I just received another billing of the amount today. And each time I called back they reopen the investigation and I have to fill out the same form over and over even though I've answered the questions numerous times orally and in writing on these forms. 

The same thing happened again today and they said they will remove the charges and open an investigation again. I need to know what I can do to put an end to this fraudulent madness. 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 2025-11-05 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:
Dear Equifax, I am writing to dispute the following accounts on my Equifax credit report. These accounts contain inaccuracies that need to be corrected. Please review the details below and provide verification of the information being reported. If any of the items can not be verified, I request that they be removed from my credit report immediately. 

Charged Off : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$1100.00} Late Payment : 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 2025-11-05 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been overXX/XX/XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XX/XX/XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XX/XX/XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been overXX/XX/XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XX/XX/XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XX/XX/XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as pr

escribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that
this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation