vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am disputing the reporting of late payments for my XXXX XXXX Bank of America account ending in XXXX XXXX XXXX XXXX XXXX XXXX, marked as 30 or 60 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These derogatory remarks are inaccurate, misleading, and were recorded during a period in which I was hospitalized for over six months due to a serious pregnancy-related medical emergency. 

During that time, I was incapacitated and unable to manage my financial responsibilities. I do not recall receiving billing statements for those months, and there is a possibility that my checking account was also temporarily restricted due to suspected fraudulent transactionsfurther complicating my ability to maintain scheduled payments. 

Under 12 CFR 1026.5 ( b ) ( 2 ) ( Regulation Z of the Truth in Lending Act ), creditors are required to send periodic statements unless the account is charged off or deemed ineligible, which was not the case here. Moreover, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information must ensure that all data supplied to consumer reporting agencies is complete and accurate. Reporting multiple late payments in the context of a verified medical emergency without recognizing these mitigating factors may constitute misleading and potentially unlawful reporting. 

This pattern of reporting does not reflect my long-standing good faith efforts to maintain my account responsibly, and I am formally disputing these derogatory entries.

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 monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Information that was attained for a credit check or credit search was on proper information that was not belonging to me or that that was not caused by me. Information is actually being contained and used in the context of being accurate and therefore all this information is inaccurate. I have utilized and tried to dispute it numerous of disputes that all information that was pertaining on on each credit bureau are inaccurate information that was not updated. Also information that has not been taken off of my credit that was not my debt. Also debtors that is using my information to XXXX getting conversation from false allegations and debt that I did not calls and I have also put in a fraud alert on each credit bureau and therefore each credit bureau has not proper being utilizing the fraud alert as well as my credit freeze as well as actually been asking for all proof of debt in every aspects of these third party creditors. I have yet to get any proper information sent to me other than a copy of my credit report by the annual credit report. I have been sent false documents obtaining that all of my credit and debt is accurate and it's not so just as well as them decreasing my XXXX XXXX. Unlawfully and I have utilized and sent proper documents to each credit bureaus on these behalf

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 2025-05-17 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: MN

Complaint narrative:
Hi recently reviewed my credit report and noticed I have fraudulent accounts on my report. I do not know these accounts and did not authorize them. These accounts is hurting my ability to obtain credit, and I'm asking to investigate and delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MN

Complaint narrative:
Hi recently reviewed my credit report and noticed I have fraudulent accounts on my report. I do not know these accounts and did not authorize them. These accounts is hurting my ability to obtain credit, and I'm asking to investigate and delete this 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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am submitting this complaint against U.S. Bank in regard to an account they charged off and continue to report to the credit bureaus. The account was written off as a profit and loss charge-off, which, under IRS rules XXXX indicates cancellation of debt. 

Despite this, I have not received a Form 1099-C, which is required by the IRS for cancellation of debts over {$600.00}. Additionally, U.S. Bank continues to report a balance on this account to the credit bureaus.

If they claimed this account as a loss to the IRS but are still reporting it with an outstanding balance to consumer reporting agencies, this is a direct violation of FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which requires all furnished data to be accurate and consistent. 

I previously contacted U.S. Bank and requested the Form 1099-C and deletion of the account due to this discrepancy, but they have failed to comply. This inconsistency in how the debt is being reported creates confusion, damages my credit, and may also suggest tax fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
account number # XXXX is reporting inaccurate information to my credit report, I ask to have the payment history to be removed from my credit reports due to inaccuracy, and code 15 usc 1666b creditor and or company is global lending

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 2025-05-17 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: TX

Complaint narrative:
account number # XXXX is reporting inaccurate information to my credit report, I ask to have the payment history to be removed from my credit reports due to inaccuracy, and code 15 usc 1666b creditor and or company is global lending

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 2025-05-17 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:
account number # XXXX is reporting inaccurate information to my credit report, I ask to have the payment history to be removed from my credit reports due to inaccuracy, and code 15 usc 1666b creditor and or company is global lending

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I visited the Wells Fargo XXXX XXXX branch to open a small business account as a sole proprietor. Wells Fargos own website clearly states that if your business name is your full legal name and is not registered with a government agency, a XXXX  is not required. Despite this, Banker XXXX XXXX, who claims to be a manager responsible for the whole region, insisted I needed a XXXX before he could help me. I also tried calling Wells Fargo Care about this issue, but the phone just says they are unable to pick up and then hangs up on me. This bank is a joke. This was a huge waste of my time due to poor training and misinformation. I expect a bank of this size to have well-informed employees who understand their own policies, especially those claiming to be regional managers.

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 monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate reporting on the following closed account : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Status : At least 120 days or more than four payments past due Balance : {$0.00} Last Payment Date : XX/XX/XXXX Issues Identified : The account reflects a {$0.00} balance and is marked closed, yet continues to report 120-day late payments and an active delinquency status. Once the account is paid or resolved, delinquency status should no longer update. 
The payment history shows new late payments in early XXXX, despite no payments due after XX/XX/XXXX. This is inconsistent and misleading. 
There is no indication that the account was paid in full, settled, or charged off and resolved. This creates ambiguity in the tradeline. 
Requested Actions : Update the status to Paid in Full or Settled, whichever is accurate Remove all delinquency reporting beyond the last payment date ( XX/XX/XXXX ) Correct or remove the 120 days past due status since the account is closed with a {$0.00} balance If accurate verification is not possible, I request that this tradeline be deleted entirely Please conduct your reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) and confirm the results in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reported on my credit file regarding the following account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Status : Too new to rate ; Approved but not used ( Reported XX/XX/XXXX ) Basis for Dispute Upon reviewing my credit report, I have identified several inaccuracies and reporting violations based on Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ), including : Incorrect Account Status : The account status is reported as Too new to rate ; Approved but not used, despite the account being opened in XXXX, having two late payments reported ( 30 and 60 days late in XXXX ), and being closed with a XXXX balance paid by collateral in XXXX. Metro 2 reporting standards require that furnishers report accurate, current status codes reflecting the true account condition such as Closed, Paid. This misrepresentation violates both Metro 2 compliance and FCRA accuracy requirements.

Incomplete Payment Terms
Reporting : The account shows missing or incomplete monthly payment terms, which Metro 2 guidelines require for installment accounts to ensure completeness of data.

Potential Misleading Remarks : The comment PAID BY COLLATERAL should not be overshadowed by an inaccurate status. The overall reporting is inconsistent and confusing, impacting my creditworthiness unfairly.

Requested Resolution I request that the credit bureaus : Investigate and correct the account status to accurately reflect the true condition preferably Closed, Paid or a Metro 2 compliant equivalent.

Update the payment terms and monthly payment fields to comply with Metro 2 standards. 
Maintain the comment PAID BY COLLATERAL as applicable. 
If XXXX XXXX  or the furnisher can not verify and correct this information in full compliance with Metro 2 and FCRA, I request that this tradeline be removed entirely from my credit report.

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
WHAT HAPPENED : I am filing a complaint against [ Collection Agency Name ], who is currently attempting to collect a debt that is unverified, unvalidated, and possibly fabricated. Despite my formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), they have continued collection efforts without providing any lawful proof that the debt is valid, collectible, or even owed. 

To date, I have received no original signed contract, chain of title, full account history, or validation from the original creditor. Furthermore, this agency has reported this disputed account to the consumer reporting agencies, causing damage to my credit file, economic opportunity, and personal reputation in violation of 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ).

Their actions appear to be part of a coordinated effort between the originating creditor, the collection agency, and credit bureaus to induce payment under duress, while withholding legal proof or transparency.

This activity has been accompanied by coercive letters, repeated calls, and attempts to intimidate me into paying an unverified debt a pattern that closely resembles extortionate collection behavior.

VIOLATIONS OF LAW ( CODES & STATUTES ) : 15 U.S. Code 1692g FDCPA Debt Validation Requirement : No lawful validation was provided after my written request. They must cease collection until full validation is given. They did not.

15 U.S. Code 1692e False or Misleading Representations : They are continuing to pursue a debt that is disputed and unproven, while representing it as valid.

15 U.S. Code 1692f Unfair and Unconscionable Means : Attempting to collect without proof and using tactics that involve pressure or intimidation.

15 U.S. Code 1681s-2 FCRA Violations by Furnishers : Reporting this account to credit bureaus without verifying accuracy or conducting proper reinvestigation once disputed.

18 U.S. Code 894 Extortionate Credit Collection Practices : If their continued attempts to collect on this unverified debt result in economic harm, credit suppression, or coercion, they may be in violation of federal law prohibiting extortion by unlawful financial threat or implication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
Equifax will not allow me to log into my myEquifax account. I have called several times, and their customer service staff are completely useless. I have requested that they cancel my online account, which they have never done. I can't access the account, I can't file disputes, and I can't see my information. 

The cases are : XXXX XXXX This is not legal, and I am allowed to view my credit report and file disputes. This has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reported on my credit file regarding the following account : Creditor Name : XXXX XXXX, XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Current Status : Charged Off Date of Charge-Off : XX/XX/XXXX Basis for Dispute Upon reviewing my credit report, I have identified several inaccuracies and reporting violations based on Metro 2 guidelines and the Fair Credit Reporting Act ( FCRA ), including : Late Payments Reported in the Same Month as Charge-Off : The account shows a XXXX late payment for XX/XX/XXXX, the same month the account was marked as charged off. According to Metro 2 guidelines, no new delinquencies should be reported after a charge-off is recorded. This misrepresents the account status and payment behavior. Delinquency Reported After Charge-Off : Payment history continues to show XXXX day lates after the charge-off date. Per Metro 2 standards, once a charge-off is issued, no additional delinquency ratings should be reported. Past Due Amount After Charge-Off : The tradeline reports a past due amount of {$120.00} alongside a charged-off balance of {$240.00}, which is misleading and may result in double counting the derogatory impact. Missing or Incorrect Date of First Delinquency ( DOFD ) : This information is critical per FCRA 605 ( c ) for calculating the 7-year reporting window. If it is not accurately or clearly reported, this may violate federal law. Requested Resolution I am requesting that the credit bureaus investigate and correct the reporting of this account. Based on the outlined discrepancies, I request the following : Correct or remove any late payments reported after the charge-off date ( XX/XX/XXXX ) Ensure that the payment history stops advancing delinquency status once the account is charged off Clarify or correct the Date of First Delinquency ( DOFD ) Remove any duplicate or misleading past due balance reporting in conjunction with the charge-off If the furnisher ( XXXX XXXX XXXX ) can not verify the accuracy of this reporting in full compliance with Metro 2 and FCRA guidelines, I request that this tradeline be deleted in its entirety from my credit report. Please complete your reinvestigation within the 30-day period required by the FCRA and provide a written confirmation of the results. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit reporting act the Bank, XXXX XXXX XXXX, XXXX XXXX, below has violated my right.

15 U.S.C 1681 section 602A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-05-17 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: NJ

Complaint narrative:
I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.

Company response to consumer: Closed with non-monetary relief