vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX MN, XXXX RE : Cease and Desist 15 U.S.C. 1692c ( c ) For Account # XXXX To Whom It May Concern : This letter serves as my formal demand, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, that you immediately stop all communication with me regarding the alleged debt you claim I owe. 
You may contact me only to confirm you will stop contacting me, or to notify me of specific legal action you intend to take. Any other communication will be treated as a violation of federal law, and I will report it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
This notice is sent via certified mail and is effective upon your receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: WA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$150000.00} {$140000.00} REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX {$100000.00} {$70000.00} REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX REPORTING ON ALL BUREAU ( EXPERIANXXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I applied for a Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX for approximately {$130000.00} to XXXX XXXX XXXX  I uploaded my permanent resident card and my co-signers permanent resident card the same day. I also uploaded the documents again on or around XX/XX/year>, along with additional income proof as requested. 

Despite this the Sallie Mae system has continued to show verifying identity for almost a month. My credit review was already approved on XX/XX/year>. However Sallie Mae representatives repeatedly tell me different things each time I call. Some say they received my documents, others say they did not. On XX/XX/XXXX, they claimed they had not received my permanent resident card ( for the third time ) even though I had already uploaded it multiple times. That same day, I uploaded the document four more times. 

Sallie Mae promised to call me back within one hour, but never did. When I called again, I was told to wait until Monday. Monday arrived with no call or update. I have called numerous times and still have no resolution. This delay is now holding up my XXXX XXXX XXXX  costing me valuable training time and putting my career plans at risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: WA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Between XXXX our apartment flooded 5x. The apartment stated that it was a tampon that caused it. Another time they claimed it was our toilet paper we were using. 

We were subject to sewar water being left on the floor from XXXX XXXX XXXX XXXX 

It was several apartments not just ours that were having issues. 

Because we went thru so much and lost a lot of property. I decided moving would be best! I had discussed with XXXX that I was unsure of what I wanted to do. I of course was looking and of course considering moving to another apartment there at the XXXX but the cost was going to go up to XXXX with the added amenity 's. No breaks no rent reduction. I ended up finding a much cheaper rental. I had to act fast and the 90 day move notice was not an option at this point. I also felt like at this point that they should just let me leave as a courtesy. 

We have several videos and photos on each flooding. We have paperwork from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX that came out. The manager noticed that the walls were completely saturated with sewar water while they were putting new carpet in. He stated they should not be doing that while the walls are still wet with XXXX XXXX XXXX XXXX XXXX  He tested with his meter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
The continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited.

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 2025-08-11 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: FL

Complaint narrative:
The continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On Sunday, XX/XX/XXXX, I was reviewing my email and had an email from XXXX XXXX that there was a hard inquiry on my credit report. I reviewed the report and found an inquiry from XXXX XXXX. I have not requested any credit report since XXXX of XXXX. I reached out to XXXX XXXX and they advised me to call Transunion since the hard inquiry showed up on their report. They said this hard inquiry was between XX/XX/XXXX and XX/XX/XXXX. Today, XX/XX/XXXX, I contacted Transunion at XXXX. The staff member advised me to go through XXXX to have this removed from my credit report and investigated. At this time, I did not see any loans or credit cards added to my account and I also placed a freeze on my Transunion 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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
Fulton Bank and XXXX XXXX, funds were submitted to XXXX XXXX account as she opened an account for me to use to buy/sell stock trades. The money was transferred in the year XXXX  around XXXX of {$3000.00}. It was used to buy and sell stocks from the XXXX XXXX XXXX. The account was held until XXXX when XXXX XXXX seized the account and kept the money. Fulton Bank and XXXX XXXX have not reimbursed me for any money that was illegally taken.

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 2025-08-11 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 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: NV

Complaint narrative:
Subject : Follow-up to Complaint # XXXX Unresolved Fraud Claim, Regulatory Violations, and Failure to Respond To the CFPB, I am submitting this as a formal follow-up to my original complaint ( CFPB Complaint # XXXX ) regarding Bank of Americas mishandling of my XXXX XXXX XXXXXXXX XXXX XXXX My original claim was filed XX/XX/year>, denied without proper justification, and reopened on XX/XX/year>. 

Since then, the following has occurred : 1. Missed 45-Day Resolution Deadline I was explicitly told by Bank of Americas Customer Resolution department that I would receive a resolution within 45 business days from XX/XX/year>, when my claim was reopened. 
As of today, XX/XX/year>, more than 45 business days have passed without any final decision or provisional credit. This is a direct violation of Regulation E of the Electronic Fund Transfer Act, which requires banks to resolve disputes within 10 business days ( or 45 days in certain cases ) and issue provisional credit if they can not meet those deadlines. 
2. No Provisional Credit Issued Despite the lengthy delay and the fact that my claim was reopened, no provisional credit has been applied to my account. My initial denial was made without a fair or thorough investigation, and my reopened claim has been subjected to delays entirely caused by the bank, not me. 
3. Failure to Communicate Assigned Case Representative I was assigned XXXX XXXX ( Case # XXXX, ext. XXXX ) as my direct point of contact. She was supposed to return calls

within 48 hours.

I have left three voicemails over the past two weeks without any response. This has left me without critical updates on my case and with no way to verify what, if anything, is being done to resolve it. 
4. Bank-Caused Delays and Timeline Manipulation The merchant involved in the dispute was not contacted until XX/XX/XXXXXXXX XXXX XXXX11 days after my claim was reopeneddespite the bank telling me the 45-day clock started XX/XX/XXXX. 
Later, the bank changed its position, claiming the 45-day period does not start until the merchant responds. This is a clear shifting of timelines designed to extend the resolution period far beyond what the law allows. 
5. Failure to Meet Regulatory Obligations These delays, lack of communication, shifting timelines, and refusal to issue provisional credit are in direct conflict with Regulation E requirements.

The bank has also failed to provide consistent, accurate information about my case status, causing significant stress, financial hardship, and frustration despite my full compliance with all requirements.

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 2025-08-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/25 I contacted Chime to update my last name because I have gotten divorced and went back to my maiden name I sent all documents the required on the state of Tennessee they give us a paper copy of our Driver 's license which is a legal form of documentation. We have to wait 6 to 9wks for the actual ID to come in the mail. They refused to accept the paper form as proof of name change. I informed them that it is illegal to refuse the documentation. I asked to speak to a supervisor he put me on hold was on hold for XXXX min and got sent to a voice-mail. With XXXX help. I can't wait 6 to 9wks for them to finally change it when I get my actual hard id I have finances that go into that account that are from social security as a payee and my name has to reflect the information they have in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
I receive an Escrow account disclosure statement stating that my mortgage went up {$700.00} a month, not a year, a month. BSI Financial Services has mismanagement my escrow account, my taxes went up over a year ago from about $ XXXX to $ XXXX this year they only went up about {$300.00} to $ XXXX. so they have been paying my taxes as if they were $ XXXX not $ XXXX, which thery are well aware of because the taxes are paid to the town and i now have - $ XXXX in my escrow account ( which is suppose to have a {$2200.00} buffer at all times ). I called to ask how this is possibly happened, and how this increase is {$700.00} a month going forward when it should have been less and starting over a year ago. They pretty much said " oh well you now have to pay {$700.00} more a month to cover the cost '', which is insane, I submitted to remove my PMI immediately so I can drop them from managing my escrow account, they should have to make up the {$2200.00} buffer for missing this for a whole year .. not me They dont even have this years taxes listed correctly, its still off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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