vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I hope all is well. The reason for my complaint Im going through a financial hardship and I would like my monthly bill lowered. Bank of America has already retaliated by closing my account when I asked for a financial hardship. I have called the credit counseling number that was given to me after my account was closed and even they advised me and told me that Bank of America can lower my monthly payments and I dont have to go through a 3rd party like credit counseling. Please lower my monthly payments so I will be able to make my payments on time. Thank you for your time. Have a wonderful day!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
I am writing to formally dispute the late payment fee and any negative credit reporting related to my Discover Card account ( Account Number Ending in XXXX ) for the following billing periods : Statement Period : XX/XX/XXXX XX/XX/year> Statement Period : XX/XX/XXXX XX/XX/year> Under the Fair Credit Billing Act, specifically 15 U.S.C. 1666b, credit card issuers must mail or deliver periodic billing statements at least 21 days before the payment due date when a grace period applies. After reviewing my records, it appears my statements were not delivered within the required timeframe. Therefore, the resulting late fee and/or negative reporting are invalid and must be corrected.

I kindly request that Discover Card take the following actions : 1. Remove any late payment fee assessed due to this error.

2. Remove or correct any negative credit reporting that may have resulted from this issue.

3. Provide me with a written confirmation that these corrections have been made. 
If you believe this information is accurate, please provide documented proof of the exact date these statements were mailed or delivered, as required by 15 U.S.C. 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am submitting this complaint because Equifax, Experian, and TransUnion have failed to properly investigate the disputes I filed regarding inaccurate and negative entries on my credit report. These errors have unfairly lowered my credit score and restricted my ability to obtain credit, resulting in ongoing stress and financial difficulty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite lawfully canceling my XXXX loan through IRS Form 1099-C , which was filed, accepted, and acknowledged by the IRS, XXXX is continuing to act as though the debt is still valid. They are : Sending me billing statements demanding payment on a canceled debt Refusing to acknowledge the cancellation under federal tax law Continuing to report the loan as delinquent to credit reporting agencies This has directly harmed my credit score and caused ongoing financial damage. Their actions are in clear violation of federal tax law and consumer protection statutes, and they have refused to provide any valid legal basis for their behavior. This is an abuse of their role as a loan servicer and must be addressed 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please delete these fraudulent items from my credit report. You have my permission to do this. I have included my ID, my SSN, and Me holding my ID and a signed statement you have my permission to investigate these items. Failure to do so is against my rights. 

This XXXX XXXX XXXX  account was charged off on the following date ( XX/XX/year>, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX  : This XXXX XXXX  account is fraudulent and I have included a copy of the FTC identity theft report. 

This ROBINHOOD CREDIT account is fraudulent and I have included a copy of the FTC identity theft report. 

This XXXX XXXX XXXX L account is fraudulent and I have included a copy of the FTC identity theft report. 

This XXXX XXXX account is fraudulent and I have included a copy of the FTC identity theft report. 

You failed to investigate this XXXX XXXX XXXX, XXXX GA XXXX and XXXX XXXX XXXX, XXXX XXXX NJ XXXX address and your neglect has violated my rights. I am demanding a deletion of these addresses as I have never lived at either and they also do not appear on my Transunion or Equifax 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 2025-07-17 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
m writing to formally dispute an alleged late payment reported on my account. This late payment was reported by [ Creditor Name ] to your agency, [ Experian/TransUnion/Equifax ] , and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit 15 identify you and your account. 
HAVE A QUESTION? PREGUNTAS? 
( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( except federal holidays ). 
More than XXXX languages available Other taver U.S. Code 1681a ( 2 ) ( AY ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If USAA can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of receiving this notice. 
Late Payment ( XXXX ) in Question : [ List of Late Payment Accounts ] Thank you for your prompt attention to this matter. I look forward to your response and tion that the disputed late payment entry has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a checking account with BMO Harris Bank in XXXX, IL on XX/XX/year>, and deposited a {$14000.00} settlement check. They held the funds for 9 days, then froze my account entirely for identity verification. I promptly provided all requested documents ( government-issued ID, Social Security card , and banking statement ) in person at the branch on XX/XX/XXXX. 

Despite being told everything would be resolved by XX/XX/XXXX, I was hung up on multiple times by customer service, told to revisit the branch, and informed that my documentation was suddenly invalid despite no prior communication stating that. Then I was told my account was going to be closed because I failed to respond in 15 days even though I had responded on day XXXX. That decision was later overturned which shows it was improperly triggered in the first place. 

I believe I was profiled and treated unfairly because I am a XXXX  XXXX XXXX. I was met with dismissive attitudes, inconsistent standards, and significant hardship. I have been unable to access my settlement funds and am now on the verge of eviction. I have screenshots, call logs, and timelines showing my prompt compliance and their failure to act professionally. 

I am requesting immediate fund release, investigation into discriminatory practices, and compensation for financial/emotional damages and expenses caused by this treatment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am disputing a 90-day past due status on a closed Navy Federal Credit Union account appearing on my XXXX  credit report dated XX/XX/year>. 

The account shows a XXXX balance and closed status but reports a XXXX delinquency without valid payment history or documentation. This violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards, which require accurate and verifiable information. 
A closed revolving account reporting derogatory status must include a full Payment History Profile ( FHP ) reflecting all delinquencies. 
The Company Sold status requires the original creditor to update or remove the tradeline to reflect accurate ownership and reporting.

Reporting a 90-day past due status without accompanying payment history and valid ownership data violates XXXX XXXX reporting standards. 
Failure to adhere to these XXXX XXXX requirements constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) 611.

Due to these violations, I demand correction or deletion of this inaccurate derogatory information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> and again on XX/XX/year>, I discovered that XXXXXXXX XXXXXXXX made unauthorized hard inquiries on my credit report. I did not apply for credit, authorize any loan applications, or give anyone permission to use my information with XXXXXXXX XXXX on or around those dates. 

These inquiries are fraudulent and were made without my knowledge or consent. I believe this activity is related to identity theft. 

Actions I have taken : I filed an identity theft report with the FTC at XXXX. 

I submitted a dispute to Equifax, requesting that these unauthorized inquiries be removed from my credit file. 

I contacted XXXX XXXX to report the fraudulent activity and request an investigation. 

I am submitting this complaint to the CFPB to ensure the matter is formally addressed by all involved parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Ive called diversifed XX/XX/year>, XX/XX/XXXX. Also reported them on dispute on experian credit agency. To take false collection amount from t-mobile. They refuse. I returned cell phone. They have tracking number. They even have theft insurance for there warranty exchange cell phones. They never claimed there return cell was lost or stollen. They are charging me the full retain value of the phone. Tracking # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX XXXX XXXX XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation