vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: FL

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 Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax, Experian and Every Credit Agency failed to change my information even after sending them my name change petition and new ID and address verification from my old one and even my new one. Transunion is the only company to change my name on their reports every other one has ignored me and even rejected it in some situations. This has impacted me for jobs, background checks, and housing due to incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Complaint Against Bank of America Inaccurate Credit Reporting and Billing Statement Failure To Whom It May Concern, I am filing a formal complaint against Bank of America for inaccurate credit reporting, failure to provide billing statements, and the resulting harm caused to my credit. 

Bank of America recently reported a 30-day late payment on a {$25.00} balance for my credit card something that I was unaware of due to their failure to send billing statements. I routinely check the BoA app and pay manually. I never received email statements and confirmed this issue in a phone conversation with a representative named XXXX, who acknowledged the problem and logged notes on my account. 

Despite my clean history and prompt dispute, this negative mark has remained creating undue harm and a drop in my credit score.

This incident violates several consumer protection statutes : FCRA 1681s-2 ( a ) : Prohibits the reporting of inaccurate information.

FCRA 1681s-2 ( b ) : Requires furnishers to investigate and correct inaccuracies.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If Bank of America can not verify the delinquency through documentation, the credit bureaus must delete it.

Under the Dodd-Frank Act, the CFPB prohibits Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). The failure to deliver billing notices, combined with negative credit reporting, may constitute a deceptive and harmful business practice.

I request the CFPB : 1. Investigate this issue with Bank of America, including their failure to deliver billing statements.

2. Require the deletion of the unverifiable 30-day late mark.

3. Ensure compliance with FCRA and Dodd-Frank statutes to prevent future consumer harm.

Thank you for your help in correcting this injustice and protecting consumer 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 2025-07-17 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

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 Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 2025-07-17 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: TX

Complaint narrative:
As per my credit report, your company obtained my credit file on XX/XX/XXXX I don't recall applying for credit or employment with : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which thereport is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my most recent consumer report, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an attempt to have my personal information amended to what is correct and truth standing. 



Please See the Attachments

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I had booked a stay at XXXX XXXX on XX/XX/XXXX for XXXX XXXX of XXXX. XXXX XXXX cancelled my reservation due to the hurricane. The did not want to issue a refund. They referred to the terms and conditions at the end of the itinerary. They offered rebooking in XXXX. However, I never signed anything agreeing to those terms and they were not emailed to me until after they had already charged my card. I then filed a dispute with Barclay World Mastercard. They denied the dispute saying the merchant didn't violate the terms. I tried calling to rebook the stay at XXXX on XX/XX/XXXX and spoke to XXXX XXXX. He was mad that I had originally disputed the charge and refused to let me rebook the stay. I sent XXXX an email requesting a refund on XX/XX/XXXX since they would not let me rebook. I received no response. I then proceed to try to file a claim in small claims court against XXXX in XXXX XXXX NC. They haven't been able to serve the summons because there is a locked gate no one will answer. I then contacted XXXX on XX/XX/XXXX and filed a formal request to reopen my dispute. I faxed them all documentation to prove what I said was true and also information showing the person running it has a history of dishonest practice and pending court cases and is in fact using an alias name. They sent a response XX/XX/XXXX stating the merchant had not violated terms and it was outside the permitted time frame for the dispute. I called them on XX/XX/XXXX and spoke with XXXX to ask for clarification of how they did not violate if they refuse to let me rebook and how is the timeframe up when I had 1 year to rebook. She just kept repeating what the letter said. I informed her that I would be filing a complaint with the CFPB.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have a XXXX  XXXX an XXXX bankruptcy on my credit report an according to 15 u s code 1681 a 4. consumer right to privacy so people can see this on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00}

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 non-monetary relief
Consumer complaint received 2025-07-17 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:
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 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 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
What happened : I was a co-borrower on a mortgage loan with Wells Fargo, and I did not receive my share of two escrow refund checks totaling {$8600.00} : {$1200.00} issued on XX/XX/scrub>XXXX {$7400.00} issued on XXXX  I have copies of the checks, and both were made out to XXXX XXXX XXXX and XXXX XXXX. The endorsement area shows For deposit only, with no signatures or consent from me. 

I did not receive any of these funds, and I believe the co-borrower may have deposited both checks without my knowledge. I also noticed that my mailing address was changed twice without my authorization, which likely prevented me from receiving the refund checks. 

I am requesting : A refund of my share of the escrow refunds ( at least 50 % ) Copies of deposit records An internal investigation into possible address fraud and unauthorized deposit I have attempted to resolve this with both XXXXXXXX XXXX  and Wells Fargo, but they refer me to each other. I am filing this complaint because no one is taking responsibility. 

I am attaching a formal written response sent to Wells Fargo detailing my concerns. 

What would be a fair resolution : A refund of at least {$4300.00}, my portion of the two escrow checks.

Internal investigation results.

Assurance that this does not affect my credit or financial history.

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 2025-07-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Date : XX/XX/XXXX Summary of Complaint This complaint is submitted against MRS BPO , LLC ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ), a third-party debt collector attempting to collect on an alleged auto loan deficiency balance after repossession without providing adequate validation. Despite multiple written requests, they have failed to produce legally required documentation under the FDCPA, UCC, and Georgia state law. 

History and Timeline XX/XX/XXXX Initial debt validation request sent ( no adequate response ). 
XX/XX/XXXX Follow-up demand citing UCC Article XXXX and 9. 
XX/XX/XXXX Second follow-up, reiterating lack of legal documentation. 
XX/XX/XXXX Drafted and planned formal audit request for key financial/legal documents. 
XX/XX/XXXX USPS confirmed delivery of certified dispute letter to MRS BPO. 
XX/XX/XXXX MRS BPO issued a partial response, received on XX/XX/XXXX. 
XX/XX/XXXX Final Notice of Non-Compliance issued with 10 business day deadline. 

Validation Response Review MRS BPO submitted a package including a copy of the signed retail installment sales contract ( electronically held by RouteOne ), a XXXX deficiency notice, and a collection letter referencing XXXX XXXX XXXX XXXX ( XXXX ). 
However, the following key items were not provided : 1. Forward Flow Agreement or Bill of Sale 2. Chain of Assignment showing legal transfer from XXXX to MRS BPO 3. Purchase Agreement or proof of debt ownership 4. Insurance claim records ( GAP or recovery payout ) 5. Full account-level transaction history detailing balance calculations 6. Proof of licensing to collect debt in the State of Georgia Legal Basis for Complaint FDCPA 1692g ( b ) : failure to validate debt upon written request FDCPA 1692e and 1692f : deceptive and unfair collection practices UCC Articles 3 and 9 : requiring proper transfer and negotiability of financial instruments State of Georgia Fair Business Practices Act ( if collecting without license ) Requested Relief Request that CFPB and/or FTC investigate MRS BPO , LLC for repeated violations of federal debt collection standards, impose any appropriate penalties, and require immediate cessation of all collection activities until full and proper validation is provided. Additionally, request removal of any related tradelines or negative entries on consumer credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief