vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-31 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: MA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/year> -- {$730.00}

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 2025-10-31 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: IA

Complaint narrative:
I am a consumer who is currently reviewing and working to correct inaccurate or incomplete information being reported on my credit reports. I respectfully request that the Consumer Financial Protection Bureau assist in ensuring that each credit reporting agency conducts a proper reinvestigation and verifies the accuracy of the disputed items below in compliance with the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) and 611 ( a ). 

EQUIFAX Late Payments Reported in Error : XXXX  Account No. XXXX XXXX XXXX Account No. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: IA

Complaint narrative:
I respectfully ask Experian to kindly review the items below as I do not recall authorizing these inquiries and I believe there are inaccuracies in the reporting of late payments. I am simply asking for fairness and accuracy as provided under the Fair Credit Reporting Act. 

Inquiries to Be Reviewed : XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Late Payment Reported in Error : XXXX  Account No. 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Requested copy of my report and never received via mail earlier this year after filling out a request form to dispute the inaccurate information involving a bankruptcy showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
After opening a new store credit card online with Comenity Bank ( for use at XXXX XXXX  ), I purchased items in XX/XX/year> using my new account. In XXXX I received my first bill, which included a late charge for not paying my bill the month prior. I contacted the cc company and explained that I did not receive a billing statement in XXXX. I promptly paid for the merchandise and told them I would not pay any fees nor interest because I never received a billing statement. They agreed to refund ( they first said only partial refund for late fees and then agree to full refund ). The next bill arrived with additional late fees and interest charges. I again paid only for my merchandise, figuring maybe the credit didnt catch up to billing. This has now gone on for additional months ( Ive since stopped using the credit card ) with additional late fees and interest accrued. Ive spoken to Comenity at least 3 times to try to rectify with no resolution. The last person I spoke to was a supervisor who said it was my fault for not paying the bill, even though I did not receive that bill, because I should have known there was a payment due. 
I have asked them to close the card and remove all late fees/interest charges, I have paid all merchandise charges. They continue to call daily to collect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-31 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I respectfully request Experians assistance in reviewing and correcting the following reported accounts. I am not seeking to dispute legitimate debtsonly to ensure that the information being reported is fair, accurate, and complete as required by FCRA XXXX and XXXX ( b ). 

Accounts in Dispute : XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account 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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: AL

Complaint narrative:
I am filing this complaint because the collection company is attempting to collect a debt that I do not owe, and despite my written dispute and request for all communications to cease, they have continued to contact me through repeated emails and demand payment. They have not provided the legally required validation of the alleged debt and are continuing collection activities in violation of federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1692g, I requested full validation, which requires the collector to provide competent and verifiable documentation before engaging in further collection efforts. They have failed to supply : A contract, agreement, or document bearing my name and signature A full, itemized accounting and payment history supporting the amount claimed The legal name, address, and account details of the original creditor Proper proof of assignment or transfer of ownership including full chain of title showing legal authority to collect Despite failing to meet these legal requirements, they have : Continued attempts to collect the disputed debt Possibly furnished inaccurate information to the credit bureaus Failed to mark the account as disputed, if reporting Failed to cease communication upon request, as required under 15 U.S.C. 1692c ( c ) These actions constitute multiple violations, including but not limited to : 15 U.S.C. 1692g ( b ) Continuing collection without providing validation 15 U.S.C. 1692e False, misleading, or deceptive collection activities 15 U.S.C. 1692c ( c ) Failure to cease communication upon written request 15 U.S.C. 1681s2 ( a ) Reporting information known to be inaccurate 15 U.S.C. 1681i Failure to reasonably investigate disputed information I am requesting CFPB intervention to ensure the collector is held accountable for their refusal to comply with federal law and for their continued harassment and attempted collection of a debt they can not prove exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
I notified Cash App that the merchant was no longer holding the funds however Cash App will not release a {$50.00} pending charge from XXXX Bank. 

I have a letter from the banks saying my fund were released by them same dy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Dear Sir/Madam : This is to respectfully request to perform an investigation of unauthorized transaction on my bank card. 

I am a customer of Wells Fargo bank. 
On XX/XX/year> at XXXX AM XXXX time my bank card ending in XXXX was used for unauthorized purchase of amount XXXX USD with the following description : Merchant details at XXXX XXXX XXXX in XXXX UNITED STATES I reported it to my bank. However the bank concluded for some reason that the transaction was authorized.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
At the conception of the new Loan, the maturity date for the payoff on the loan was XX/XX/year>XXXX  payments were made in excess which accelerated the payments. The current payoff is in XX/XX/XXXX XXXX months sooner than the actual payoff date. Loan was paid ahead. It should not be reported as a 3060 or 90 day past due. Requesting report to be corrected and Lights removed from our bureaus due to the account being paid in advance six months prior to the actual payoff.

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 2025-10-31 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: NC

Complaint narrative:
Good day. I am respectfully asking Experian to conduct a fair review of the accounts and inquiries listed below. I am not a credit expert or companyjust a regular consumer trying to ensure that what is reported about me is complete and accurate. I kindly ask for a careful reinvestigation under the FCRA. 

Charged Off Accounts in Dispute : XXXX, XXXX XX/XX/XXXX, {$5700.00} XXXX, XXXX XX/XX/XXXX, {$7300.00} XXXX, XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX XX/XX/XXXX, {$0.00} XXXX, XXXX XX/XX/XXXX, {$160.00} Inquiries in Dispute : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I do not recall authorizing several of these inquiries and respectfully request verification of each with documentation proving my consent. 

Late Payments in Dispute : 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 2025-10-31 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 am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card account with Bank of America that has been open since XX/XX/XXXX. The account has a {$5500.00} credit limit and currently carries a balance of {$3900.00}. My payment history is current, and I have been making regular $ 39 monthly payments. 
The Problem : As of XX/XX/XXXX, I discovered that while XXXX  and XXXX  correctly report my credit limit as {$5500.00}, XXXX  is reporting the credit limit as {$0.00}. This creates a false utilization calculation that severely damages my credit score. 
Additionally, XXXX  is displaying the comment " Account previously in dispute- now resolved by data furnisher Credit card '' with a resolution date of XX/XX/XXXX. Despite the dispute being resolved, this notation remains on my report and should have been removed upon completion of the investigation.

Impact : The {$0.00} credit limit reporting makes it appear I am over my limit or have infinite utilization, which is materially inaccurate. This directly lowers my credit score and misrepresents my creditworthiness to potential lenders.

What I'm Requesting : Bank of America should correct the credit limit reporting to XXXX  to accurately reflect {$5500.00} Remove the outdated dispute comment from XXXX  now that the matter is resolved Ensure all three credit bureaus receive consistent, accurate information The Fair Credit Reporting Act requires complete and accurate reporting. This discrepancy has caused financial harm and must be corrected immediately.

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 2025-10-31 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
After reviewing my credit reports, I found that several accounts are being reported inaccurately and without proper verification. XXXX XXXX XXXX continues to report an account as charged off with a remaining balance even though no lawful documentation or validation has been provided to confirm the alleged amount owed, charge-off date, or ownership of the account. The account also shows conflicting remarks, including both voluntarily surrendered and charged off, which can not legally apply to the same account and create confusion in my credit file. Furthermore, the creditor has repeatedly updated this closed account as if it were active, which constitutes re-aging and violates the Fair Credit Reporting Act ( FCRA ). In addition, XXXX XXXX XXXX XXXX is reporting late payments on an active account despite no verified billing statements or payment records proving any delinquency. These inaccurate and unverifiable entries are negatively affecting my credit score and are in violation of FCRA Sections 607 ( b ) and 611 ( a ), which require accurate and verifiable information on all reported accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit 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 2025-10-31 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: WA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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