vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: IA

Complaint narrative:
One week ago, I ordered money, banker said everything was fine, I came to the bank, today, they led me on all day, then said it was just locked, I asked for help, explanation, she said she could not give me a answer in writing, and that she was not going to help with taking the lock off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information.

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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: AR

Complaint narrative:
The individual is requesting a reinvestigation of specific items on their credit report, including a late payment reported on a closed account and a hard inquiry. The basis of the request lies in concerns that the information may be inaccurate, incomplete, or unverifiable. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies ( CRAs ) such as are legally required to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-01 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: AR

Complaint narrative:
The individual is requesting a reinvestigation of specific items on their credit report, including a late payment reported on a closed account and a hard inquiry. The basis of the request lies in concerns that the information may be inaccurate, incomplete, or unverifiable. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies ( CRAs ) such as are legally required to : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of several accounts appearing on my credit file. After carefully reviewing my credit report, I have identified multiple accounts with reported late payments, incorrect balances, and inaccurate account statuses that do not reflect my verified payment history. I am requesting a thorough reinvestigation of each account under the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX ( Section XXXX ), which grants consumers the right to dispute information believed to be incomplete or inaccurate and mandates a reasonable reinvestigation of any disputed data. Additionally, I remind the data furnishers of their obligations under FCRA XXXX ( b ) to maintain procedures to ensure maximum possible accuracy of information, and FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits reporting information known or that should reasonably be known to be inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$34000.00} Date Opened:XX/XX/XXXX late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410000.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX and late 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} Date Opened : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$140.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, ate 60 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX Up XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX-tied up

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 2025-11-01 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: CT

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and misleading items being reported on my credit report by certain furnishers and credit reporting agencies. These errors have caused me significant harm and do not reflect accurate or verifiable information about my credit history. 

Wrong Address Reporting : The address XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX is being reported on my credit file. I have no association or residence history with this address. The inclusion of this incorrect address indicates poor verification procedures by the credit bureaus and is misleading to potential creditors. I am requesting the immediate removal of this address from all of my credit reports. 

XXXX ( Account # XXXX ) : This account is being reported with a XXXX XXXX status and a high balance of {$680.00}, opened on XX/XX/XXXX. This information is completely inaccurate. I have never made any late payment on this account. The payment history being reported is erroneous and damaging to my credit standing. I demand that the furnisher and credit bureaus correct the account history to reflect an on-time payment record immediately. 

XXXX XXXX ( Account # XXXX ) : This account is being reported as a Charge-Off with a high balance of {$670.00}, opened on XX/XX/XXXX. I have no knowledge of this account whatsoever. This account is not mine, and its presence on my credit report constitutes identity or reporting error. I am requesting that this account be thoroughly investigated and permanently deleted from my credit file if the furnisher can not provide verified proof of ownership and responsibility. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), particularly sections 602 ( A ), 607 ( B ), and 611, which require that consumer reporting agencies maintain maximum possible accuracy and that furnishers provide verified, accurate information. 

I am requesting that CFPB investigate these matters and compel the respective furnishers and credit reporting agencies to correct or remove the disputed information immediately. These reporting errors have negatively affected my creditworthiness and caused undue distress. 

Please confirm receipt of this complaint and provide updates regarding your findings and actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment remarks on my accounts violate 15 U.S.C. 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: CT

Complaint narrative:
RE : Formal Dispute Demand for Correction Under 15 U.S. Code 1666b Payment Was Never Late I am writing to formally dispute the reporting of a late payment on the account listed below : 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 The payment in question was made on time and must not be reported as late. Under 15 U.S.

Code 1666b ( Timing of Payments ), a creditor may not treat a payment as late if it was received by XXXXXXXX XXXX. on the due date at the specified location. You have failed to provide any legitimate documentation proving otherwise. Therefore, this is an unlawful and inaccurate report. 
I am demanding that the account be immediately updated to reflect Paid Never Late across all credit reporting agencies. Anything less will be considered a continued violation of federal law. 
Furthermore, please be advised that I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  regarding this matter. 
If this issue is not resolved within 30 days from the date of receipt of this letter, I will proceed with legal action for : Violations of the Fair Credit Reporting Act ( FCRA ) Violations of the Truth in Lending Act ( TILA ) Damages for negligent and willful misreporting Attorneys fees and additional legal remedies You are now on legal notice. I expect written confirmation and full correction within the statutory timeframe. Failure to act will result in escalation without further warning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
I am sending this letter to formally request that the following information be immediately blocked and permanently deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ] : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2500.00}

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 2025-11-01 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: GA

Complaint narrative:
I am sending this letter to formally request that the following information be immediately blocked and permanently deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ] : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for failing to comply with my lawful request under the Fair Credit Reporting Act ( FCRA ) to provide the full method of verification and reinvestigation details required by 15 U.S.C. 1681i ( 7 ). 

I previously submitted formal written disputes regarding inaccurate items on my credit reports and requested a detailed explanation of the procedures each bureau used to verify the disputed information. The FCRA requires that upon request, the consumer reporting agency must provide a description of the reinvestigation procedure, including the name, address, and telephone number of any furnisher contacted, as well as the documents relied upon during verification. 

To date, none of the credit bureaus have provided the information required by law. This failure violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification within XXXX  days.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper and reasonable reinvestigation. 

I specifically requested the following information, which was ignored or not adequately provided : The name, address, and phone number of each creditor contacted. 

The name of the person or department that verified each dispute. 

The documents used to verify the accuracy of the reported items. 

A description of the procedures used to ensure accuracy. 

If the credit bureaus can not produce this evidence, they are required to delete or correct the inaccurate information under 15 U.S.C. 1681i ( a ) ( 5 ). Their failure to do so has caused continued harm to my credit and constitutes negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o.

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 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for failing to comply with my lawful request under the Fair Credit Reporting Act ( FCRA ) to provide the full method of verification and reinvestigation details required by 15 U.S.C. 1681i ( 7 ). 

I previously submitted formal written disputes regarding inaccurate items on my credit reports and requested a detailed explanation of the procedures each bureau used to verify the disputed information. The FCRA requires that upon request, the consumer reporting agency must provide a description of the reinvestigation procedure, including the name, address, and telephone number of any furnisher contacted, as well as the documents relied upon during verification. 

To date, none of the credit bureaus have provided the information required by law. This failure violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification within XXXX  days.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper and reasonable reinvestigation. 

I specifically requested the following information, which was ignored or not adequately provided : The name, address, and phone number of each creditor contacted. 

The name of the person or department that verified each dispute. 

The documents used to verify the accuracy of the reported items. 

A description of the procedures used to ensure accuracy. 

If the credit bureaus can not produce this evidence, they are required to delete or correct the inaccurate information under 15 U.S.C. 1681i ( a ) ( 5 ). Their failure to do so has caused continued harm to my credit and constitutes negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o.

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 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: OR

Complaint narrative:
There were XXXX failed attempts to collect payment in the amount of {$58.00} made on my checking account. An attempt on XX/XX/year> was returned on XX/XX/year>. The second attempt was made XX/XX/year> and returned XX/XX/year>, both due to insufficient funds. Today, XX/XX/year>, a third attempt was made and they drained my checking account. I was previously advised by a different payday loan company that federal law prohibits a third attempt to withdraw funds after XXXX consecutive failed attempts.

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 2025-11-01 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: CT

Complaint narrative:
RE : Formal Dispute Demand for Correction Under 15 U.S. Code 1666b Payment Was Never Late I am writing to formally dispute the reporting of a late payment on the account listed below XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  The payment in question was made on time and must not be reported as late. Under 15 U.S. Code 1666b ( T iming of Payments ), a credito XXXX  may not treat a payment as late if it was received by XXXX XXXX on the due date at the specified location. You have failed to provide any legitimate doc
umentation proving otherwise. Therefore, this is an unlawful and inaccurate report. 
I am demanding that the account be immediately updated to reflect Paid Never Late across all credit reporting agencies. Anything less will be considered a continued violation of federal law. 
Furthermore, please be advised that I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ) regarding this matter. 
If this issue is not resolved within XXXX  days from the date of receipt of this letter, I will proceed with legal action for : Violations of the Fair Credit Reporting Act ( FCRA ) Violations of the Truth in Lending Act ( TILA ) Damages for negligent and willful misreporting Attorneys fees and additional legal remedies You are now on legal notice. I expect written confirmation and full correction within the statutory timeframe. Failure to act will result in escalation without further warning.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX I attempted to access my account for a second time. The first time was XXXX as I was trying to make arrangements on my account. I tried speaking with representative for asistance with payments but was sent to a different department However, I told the person at the beginning of the call to go ahead with the payment for the XXXX and have it disbursed with out waiting until the XXXX Nonetheless, there were issues with receiving assistance and I was told a different date for assistance which was the XXXX. Here again, I had issues with identification process today and last time I spoke. Consider this a request to request assistance for the consumer loan auto and other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$640.00} Account name XXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$1700.00} Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Car insurance Date opened XX/XX/XXXX Balance {$81.00} Account name XXXX XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$140.00}

Company response to consumer: Closed with explanation