vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NC

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Today XX/XX/year> I went into my account and I was overdrawn. I immediately saw that the bank had taken 2 of each bill I had paid out on Friday. I went to BMO and chatted with them. They said that it should be resolved today to check back later. I checked and it has not been resolved. Tomorrow is a holiday and I am overdrawn. I asked if they would be paying late fees from other institutions and they said no. It doesnt help that I am overdrawn with no money available to me. This is the second situation I have had with BMO where they basically steal my money.

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 2025-11-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

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 2025-11-10 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: CA

Complaint narrative:
I previously submitted disputes to the credit bureaus regarding an account that is inaccurately being reported on my credit file. I do not recognize or own this account, and it appears to have been reported in error. I also filed a complaint with the CFPB last month to escalate the matter, yet the account still appears on my credit report and no resolution has been provided. The bureaus have failed to properly investigate and correct this inaccurate information within the time frame required by the Fair Credit Reporting Act ( FCRA ). I am submitting new disputes today because the issue remains unresolved and continues to negatively impact my credit profile.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I am formally disputing the accuracy and completeness of a collection account appearing on my Experian credit report under WILLIAMS RUSH & ASSOCIATES ( Acct # XXXX ). Upon review, this account contains multiple factual errors that violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1. The account improperly reports a past due balance of {$2600.00}, which is inaccurate for a collection account. Collections may only report a remaining balance, not a past due status. 
2. The balance increased from {$2100.00} to {$2600.00} with no documentation or itemized explanation. This represents an unverified amount and violates FCRA 623 ( a ) ( 1 ) ( A ) and Regulation F.

3. The accounts date structure implies re-aging to make the account appear more recent, violating 605 ( c ) of the FCRA.

4. The creditors note stating can not locate individual conflicts with the fact that I disputed the same account in XX/XX/year> and received a response, proving I was contactable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year> I noticed some unauthorized transactions on my account and I reported them to Bank of America. The claim was being investigated and then XX/XX/year> I saw in the portal the claim was completed. I spoke with a Represenative earlier in the day and she stated the funds would be back in my account by Friday the XXXX. After checking the portal it stated the claim was complete but no documents listed and when I call no representative can tell me what happened with the claim. The claim has been completed very fast and no updates after it says completed which I believe they have not properly investigated the claim.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was enrolled full-time at XXXX XXXX University XXXX XX/XX/XXXX to XX/XX/XXXX, which means my federal loans were in in-school deferment and no payments were due. 

Despite this, Nelnet reported my loans as delinquent and past due between XX/XX/XXXX and XX/XX/XXXX, with multiple Balance Past Due reports each month. 

I provided Nelnet with official enrollment verification from XXXX XXXX University, and they acknowledged receiving it, yet repeatedly stated they were not able to fix it. 

These false reports lowered my credit score from about XXXX to XXXX and continue to appear on my credit report. 

I have already filed Department of Education XXXX # XXXX, which confirms my enrollment and deferment eligibility. 

I request that the CFPB investigate and require Nelnet to correct my account status, remove all false delinquency reports, and confirm that my loans were in deferment during my full-time enrollment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They told this will be tooking off my credit reports

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: TX

Complaint narrative:
I am filing this complaint because Koalafi is reporting inaccurate and incomplete information regarding an account that was paid in full, on time, and closed. 

On my credit report, the account currently appears as XXXX or Paying as Agreed and still shows as XXXX, with only 2 % reported as paid. This is inaccurate and misleading. The account was 100 % paid in full and should be reflected accordingly across all three credit bureaus ( Experian, Equifax, and TransUnion ). 

This misreporting implies that there is still an active balance or that payments remain outstanding, which is false and unfairly damages my credit profile. Koalafis failure to report this account accurately constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), as furnishers must ensure that information is both accurate and complete.

I am requesting that the CFPB compel Koalafi to correct and update all credit bureau reporting immediately to show : Account Status : Paid in Full / Closed Current Balance : {$0.00} Payment History : Paid as Agreed Percent Paid : 100 % I have attached proof of final payment and account closure documentation for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$4300.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$8900.00} - Date Opened : XX/XX/XXXX

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding a XXXX late payment reported on my mortgage account ending in [ XXXX ] in XX/XX/year>. This late payment occurred during a temporary financial hardship, and I had proactively notified XXXX in advance that my church would be sending the payment on my behalf. I was explicitly told by representatives that this arrangement would not impact my credit, yet the account was reported 30 days delinquent, causing significant financial and emotional stress. 
Attempts to Resolve : Submitted a goodwill adjustment request via XXXX website. 
Called customer service : XXXX ( ext. XXXX, XXXX ) said they can not delete the late payment, then ended the call without escalation. 
Later spoke with XXXX ( XXXX XXXX XXXX, ext. XXXX ), who denied the request but said a supervisor would call on Wednesday. 
Disputed the late payment with all three credit bureaus. 
Why This Should Be Corrected : This late payment was a one-time hardship, and I took all steps in good faith to ensure timely payment. 
XXXX has legal discretion to XXXX goodwill adjustments for customers in hardship situations. 
Refusal to remove the mark is causing emotional distress, financial harm, and unnecessary credit damage despite their ability to reverse it. 
Requested Resolution : I respectfully request that the CFPB require XXXX to : Remove the XXXX late payment from Experian, TransUnion, and Equifax as XXXX one-time goodwill adjustment. 
Provide written confirmation of the removal. 
Review internal procedures to ensure fair handling of hardship situations and customer goodwill requests. 

I have made every effort to resolve this directly and have documented all prior communications. I urge XXXX to exercise their discretion and correct this negative entry, which is both legally permissible and the fair, humane resolution in this hardship situation.

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 2025-11-10 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding a XXXX late payment reported on my mortgage account ending in [ XXXX ] in XX/XX/year>. This late payment occurred during a temporary financial hardship, and I had proactively notified XXXX in advance that my church would be sending the payment on my behalf. I was explicitly told by representatives that this arrangement would not impact my credit, yet the account was reported 30 days delinquent, causing significant financial and emotional stress. 
Attempts to Resolve : Submitted a goodwill adjustment request via XXXX website. 
Called customer service : XXXX ( ext. XXXX, XXXX ) said they can not delete the late payment, then ended the call without escalation. 
Later spoke with XXXX ( XXXX XXXX XXXX, ext. XXXX ), who denied the request but said a supervisor would call on Wednesday. 
Disputed the late payment with all three credit bureaus. 
Why This Should Be Corrected : This late payment was a one-time hardship, and I took all steps in good faith to ensure timely payment. 
XXXX has legal discretion to XXXX goodwill adjustments for customers in hardship situations. 
Refusal to remove the mark is causing emotional distress, financial harm, and unnecessary credit damage despite their ability to reverse it. 
Requested Resolution : I respectfully request that the CFPB require XXXX to : Remove the XXXX late payment from Experian, TransUnion, and Equifax as XXXX one-time goodwill adjustment. 
Provide written confirmation of the removal. 
Review internal procedures to ensure fair handling of hardship situations and customer goodwill requests. 

I have made every effort to resolve this directly and have documented all prior communications. I urge XXXX to exercise their discretion and correct this negative entry, which is both legally permissible and the fair, humane resolution in this hardship situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year> -- {$0.00}

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 2025-11-10 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I used Cash App to send {$52.00} to XXXX XXXX for a purchase. I later learned that XXXX XXXX XXXX had closed her Cash App account. The payment was declined on the XXXX because the account was closed. Cash App took the money out of my account on XX/XX/year>. I sent XXXX XXXX XXXX a request for the {$52.00}, the request expired because account was closed. I filed a dispute with Cash App on XX/XX/year> which was denied on XX/XX/year>. I call Cash App on XX/XX/year> to request the money they took from my account and explained what had happened. They told me XXXX XXXX XXXX hade to call them. XXXX XXXX XXXX had called them twice telling her that I had to call them. I asked what happens if I couldn't contact XXXX XXXX XXXX, I was told I was just out of luck. My question now is how much money is Cash App making off this practice? From my conversation it seems like this is a ongoing policy. I appreciate any help you can give me. Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: UPGRADE, INC.
State: NC

Complaint narrative:
Upgrade charged off my secured loan/secured credit card with an incorrect balance of {$6600.00} because my {$5000.00} security deposit was never applied to the account before the charge-off. The deposit was supposed to be used as collateral and either applied toward the balance or refunded upon account closure. 

On XX/XX/year>, I spoke with Upgrade for XXXX minutes, and the company opened XXXX XXXX, stating that an investigation would be completed within 35 business days. That deadline passed with no refund. 

On XX/XX/year>, I contacted Upgrade again and spoke with four representatives over XXXX minutes. I was told the case had only been picked up two hours before my call by an employee named XXXX, and that I must wait until Thursday for another update. 

Upgrade continues to withhold my {$5000.00} deposit, report an inaccurate charge-off, and delay any correction despite acknowledging the issue. I have filed a complaint with the XXXX XXXX Attorney Generals Office. 

I am requesting that Upgrade : XXXX. Refund my {$5000.00} deposit immediately. 
XXXX. Delete the inaccurate charge-off and any related tradeline. 
XXXX. Provide written confirmation of these corrections within three business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: MD

Complaint narrative:
since 2023 XXXX XXXX apartments lawyer XXXX XXXX in GA not licensed in MD. has a wrong amount on our credit report. wont remove it. made us homeless. the apartment retaliated when we filed a complaint with the state, health dept and their corporate office for an infested apartment I also ask for the original statement of debt from XXXX XXXX. ledger does not add up anyone can see it

Company response to consumer: Closed with explanation