vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: GA

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 XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
This is my second dispute regarding a reinserted account on my credit report. 
On XX/XX/2025, I filed a written dispute with Equifax regarding the account : Creditor/Collection : XXXX XXXX XXXXXXXX Partial account number : XXXX After the reinvestigation, Equifax deleted/modified this account from my file. Later, on my new credit report dated XX/XX/2025, the same account was reinserted. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information is deleted as a result of a dispute, it can not be reinserted unless the furnisher certifies that the information is complete and accurate, and the consumer reporting agency must notify me in writing no later than 5 business days after the reinsertion. I never received any written notice of reinsertion, and I have not been provided with any certification of accuracy.

The account is still inaccurate/Unverifiable because : 1. Balances and High Balance values are contradictory : XXXX  ( {$6100.00} ), XXXX ( {$0.00} ), and Equifax ( {$2600.00} ). 
XXXX. Reporting dates differ : XXXX ( XX/XX/2025 ), XXXX ( XX/XX/2025 and XX/XX/2025 ), Equifax ( XX/XX/2025 ). 
XXXX. Payment status remarks conflict : XXXX ( Paid after charge-off ), XXXX ( Closed due to inactivity ), Equifax ( Charge-off with original amount ). 
XXXX. Payment history is inconsistent : XXXX shows None Reported, while XXXX  and Equifax report different delinquency patterns. 
XXXX. Last payment dates do not match : XXXX ( XX/XX/2025 ) vs. Equifax ( XX/XX/2025 ). 
I am suffering harm because this reinserted account is negatively affecting my credit score and my ability to obtain credit and housing. 
This is my second round dispute over this same account, which had already been expunged and was reinstated without meeting the notice and certification requirements of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR

Complaint narrative:
Called on i know 3 separate occasions to keep from going into a foreclosure the first date i dont remember but that one i did pay {$300.00} and the second 2 times were on XX/XX/XXXXXXXX  and XX/XX/XXXX. I also have a hud counselor trying to help and they keep saying no programs available except the last time on XX/XX/XXXX we put in a crazy amount of money that I dont bring home and she was finally able to give me a repayment option that was no where near possible for me. Even my hud representative said there was no way. I was told by the last lady on the phone that the reason im not getting offers is because they say I dont make enough to make the payments but I make the same as I did when I received the loan. Im only behind due to unforseen circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am submitting this statement to dispute inaccurate information reported on my credit report by the following credit bureaus : Equifax ( EQ ). The accounts listed below are being disputed based on discrepancies in the reporting of charged-off accounts, inquiries, and late payments. I am requesting the immediate investigation and removal or correction of the disputed entries. Please find the details of the disputed accounts below, separated by each bureau. 

Charged Off Accounts : DEPTEDXXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$7400.00} XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$24000.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-17 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: IN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 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 2025-11-17 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: TX

Complaint narrative:
The disputed entry does not reflect my true financial behavior. Please review and correct my record to ensure accuracy.

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 2025-11-17 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: VA

Complaint narrative:
I dispute the following accounts based on inaccuracies, duplicated student loan reporting, inconsistent open dates compared to other bureaus, and unverifiable information. These errors violate FCRA 607 ( b ) and 611. 

Any account that can not be verified must be corrected or deleted. 

CHARGED OFF / NEGATIVE ACCOUNTS (XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, Bank of America removed {$940.00} from my savings account without my authorization. This was a cash deposit that I made into my savings. The bank took the entire amount and applied it to an old checking account that was already closed.

I was never informed that deposits into my savings account could be taken to cover a closed account, and I did not authorize this withdrawal. Because the checking account was closed, I do not understand why Bank of America is still offsetting funds.

This has caused me serious financial hardship. I can not afford transportation to work, food, or attend court. This puts my employment and stability at risk.

I contacted multiple Bank of America representatives and supervisors, but no one was able to help me or reverse the transfer, even though it was a recent cash deposit and the situation has created an emergency.

I am requesting that Bank of America immediately restore the {$940.00} taken from my savings 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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Category : Credit reporting / Loan servicing Sub-category : Problem with a student loan Servicer : Aidvantage ( XXXX ) I am filing a complaint regarding an unauthorized and erroneous federal student loan Aidvantage is reporting on my account. 

Aidvantage is showing a Direct Loan Subsidized Consolidation ( XXXX ) with : Principal : {$7600.00} Interest : {$870.00} Interest Rate : 6.125 % Disbursement Date ( claimed ) : XX/XX/XXXX School : None listed I never applied for, authorized, or signed any consolidation loan associated with this date or amount. 

I have full documentation of my only real consolidation from XX/XX/XXXX ( via XXXX XXXX ), and NONE of my original loans match this phantom loan. Aidvantage is unable to provide : a school name a promissory note a consolidation application with my signature any originating loan details Furthermore, I received two discharge letters from the U.S. Department of Education dated XX/XX/XXXX and XX/XX/XXXX, confirming that all eligible loans were discharged and : you are no longer obligated to repay the loans are not enforceable any future attempts to collect are without legal basis Despite this, Aidvantage continues to report a balance and has not corrected my account.

I am requesting the CFPB to assist in : 1. Removing the erroneous XXXX loan 2. Requiring Aidvantage to produce valid documentation OR delete the loan 3. Correcting any credit reporting errors 4. Ensuring my federal discharge is fully honored This has caused confusion, emotional stress, and potential credit damage. I need immediate resolution. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am disputing the following charged-off accounts as listed by Equifax : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$9600.00} Late Payments I am disputing the following late payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am disputing the following information because TransUnion is reporting items that appear inaccurate, duplicated, or unverifiable. The FCRA requires TransUnion to ensure maximum possible accuracy and to remove any information that can not be verified. I am requesting a reinvestigation of the accounts and inquiries below. 

CHARGED OFF Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$140.00} DOE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$240.00} DOE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1700.00} DOE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$270.00} Inquiries in Dispute 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am submitting this complaint regarding repeated unauthorized payments applied to my Chase XXXX credit card account. 

Recently, Chase processed a credit card payment for the full balance amount without my authorization. This was an error on their end, and after contacting my bank, the payment was returned, and the issue was corrected. However, the same error occurred a second time, and Chase again charged the full balance to my bank account without my authorization. 

After the second occurrence, we contacted Chase, and they advised us to reach out to our bank to place a stop payment. My bank was able to return the funds the first time and hopefully they will be able to a second time -- this has caused significant inconvenience and concern. We only have one bank account and are unable to use it while the bank works to correct Chase 's error. I did not authorize either payment, and it is unclear why Chase continued to initiate these transactions after the first error was corrected.

I am requesting that the CFPB review this matter to ensure that Chase stops initiating unauthorized payments on my account and prevents further errors. I also want confirmation that my account will not incur any fees, negative reporting, or adverse consequences as a result of these unauthorized transactions.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

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 2025-11-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have never had any late payments with Citibank. 
XXXX  XXXX store card was closed by the creditor due to inactivity recently, and Citibank used that as justification to reduce my limits. This was not a negative action on my part. 

These reductions happened while I maintain perfect payment history, and excellent long-term credit behavior. 

Citibank did not give me prior notice, adequate explanation, or a chance to provide documentation before taking adverse action. 
This limit reduction impacted my credit utilization and caused an unnecessary score decrease. 

I am asking for : A full review of their credit-limit decrease decision Reinstatement of my original credit limits Documentation of how they determined the adverse action This action feels arbitrary, unfair, and harmful given my perfect payment history. I am requesting the CFPBs assistance in resolving 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 2025-11-17 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 a consumer who is currently addressing inaccuracies on my credit report. I am submitting the following dispute for your attention regarding the accounts listed below : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX I Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

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 2025-11-17 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: TX

Complaint narrative:
I am disputing the following items reported by TransUnion that appear inaccurate or unverifiable : Charged-Off Accounts : XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX for {$15000.00} XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX for {$1100.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX for {$180.00} I am requesting verification of these accounts, including original creditor documentation and balance validation. If these can not be verified, please delete them. 

Late Payments : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  I believe these late payment reports may be inaccurate. Please investigate and correct or remove as necessary.

Unauthorized or Questionable Inquiries : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please verify that these inquiries were authorized by me. If they were not, I request their removal.

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 2025-11-17 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief