vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Experian credit report is saying I have a 102 % utilization when I have actually around 81 %. Their site even shows {$12000.00} utilization out of {$15000.00} but the circle generated at the top of my utilization says 102 %. I can send a screenshot. This inaccurate information cost me getting an apartment over the weekend. Experian says they are open on the weekends but this was not the case when I tried to call over this weekend on Saturday XX/XX/XXXX. I am now having no luck again getting in touch with an agent today XX/XX/XXXX. The automated system is very difficult. I researched and found another phone number, waited XXXX minutes to talk to an agent who recognized the issue and said hed route me to a special department. He then sent me back to the automated system that did not allow me to get through. I also pay a subscription with Experian every month. They have a lot of power over decisions that impact my life and are not available to correct an issue and their telephone system is deeply flawed.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) on my credit file without my authorization or any permissible purpose, violating 1681b. I never gave consent for this account to be included. Its presence is false, misleading, and violates 1681e ( b ), which requires maximum possible accuracy. This account has been disputed multiple times and previously deleted, yet Experian continues to reinsert or report it without any valid justification, notice, or certification. This is a blatant and repeated violation of my rights under 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ). I am beyond frustratedthis has caused emotional distress, impacted my creditworthiness, and shows total disregard for federal law. Experians ongoing failure to investigate and correct this issue demonstrates both negligent and willful noncompliance under 1681n and 1681o. Each violation carries a {$1000.00} penalty. I am demanding serious 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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX I called my Kohls Credit Card customer service number to make my regular payment as I've done so in the past. Usually I'm able to make this payment through their automated system or the phone without having to speak to an agent or actual person. Throughout the XXXX phone call their automated system stated that my payment was due in the XXXX of XXXX, not the XXXX which I definitely thought was very odd because it's never been due on the XXXX. It also stated that no payment was due at the time. I obviously took this as an odd occurrence and simply hung up. I called again and this time the system said that my balance was not available at the moment and to " please try again later. '' I hung up the XXXX call. I thought I'd speak to an agent later on. Days go by and I finally take action to make a call to speak to an agent which was on XX/XX/XXXX. I simply explained what happened and the agent that was speaking to me said that they were " unable to remove a late payment fee '' from my account. I asked why and she said they didn't have the authority or tools to do so. I then asked for someone who does and I was transferred to a XXXX. After repeating myself what felt like XXXX times the supervisor said that they were unable to remove any late payment fees from my account, but that they were more than happy to help me setup auto pay. This didn't help me with my initial problem they didn't address my concern. They confirmed that my payment was due on the XXXX, and stated that they didn't show any record of me calling on the XXXX despite me having screenshots of calling twice on that day, which I offered to send to them, they basically disregarded me in every way and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
Trafficking 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 1. XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXH Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter

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 2025-06-02 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have been the victim of data breach through XXXX XXXX and identity theft. FTC reference number is : XXXX I am also writing to dispute and formally request correction of the inaccurate reporting of the above-referenced account with XXXX XXXX XXXX XXXX Account XXXX XXXX on my credit report. 
This account was charged off and later settled/paid in full. I requested a 1099 and have yet to receive it. However, it is also currently misclassified and being reported as an active collection account. This is both inaccurate and misleading. 
According to the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 602 ( A ) which mandates the accuracy and fairness of credit reporting Section 607 ( b ) which prohibits furnishing information known to be inaccurate Section 611 which provides the right to dispute inaccurate or incomplete information and requires reinvestigation by credit bureaus Section 623 ( a ) ( 1 ) ( A ) which holds furnishers accountable for reporting accurate information Section 623 ( b ) which requires furnishers to investigate disputed information thoroughly the current classification of this account violates federal law against me.

If the data furnisher can not validate this reporting in full compliance with Metro 2 standards and the FCRA, the item must be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am trying to dispute recurring charges from a merchant called XXXX that have been hitting my checking account every month since at least XX/XX/XXXX. These charges were not authorized for continued billing, and I only recently succeeded in getting the merchant to cancel the subscription after multiple failed attempts. 

I contacted Bank of America several timesby phone and through the mobile appto dispute these charges : XXXX told me they couldnt see the transactions, even as I read them directly from my official bank statements. 
I was instructed to use the app to file a dispute, but when I attempted to do so, I received the message : This dispute must be handled by a representative. 
This occurred even for a charge as recent as XX/XX/XXXX, so the system limitations are not related to dispute eligibility timelines. 

As a result, I have been completely blocked from disputing these charges, despite clear documentation that they were unwanted, unauthorized, and only just resolved. 

I also attempted to retrieve older statements to document the full history of charges, but Bank XXXX XXXX system will not allow downloads prior to XX/XX/XXXX. This appears to be a system limitationnot account inactivity. Based on the pattern, I believe the BPLUS.CO charges go back even further. I am requesting that Bank of America provide the full transaction history across all card numbers associated with my account. 

In addition, I discovered that XXXX full months of account statements are missing ( XXXX, XXXX, and XX/XX/XXXX ). These fall directly within the recurring charge window, and XXXX {$30.00} charge during that time appears under a suspicious foreign merchant : XXXX * XXXX XXXX XXXX, a company known to obscure adult content billing. 

Just after the missing statement window, in XX/XX/XXXX, I was charged {$10.00} by XXXX XXXX XXXX, another vague company that appears to follow the same recurring billing pattern and charge amount as BPLUS.CO. 

I believe these alternate charges XXXX be disguised or rebranded aliases used by the same merchant network. I am asking the CFPB to investigate this pattern and request that Bank of America support full transparency and accountability.

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 2025-06-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX writing to dispute a bankruptcy entry that is being reported on my TransUnion credit file. I take my credit very seriously and was alarmed and deeply disappointed to find this record continuously associated with my profile. This significant error is not only concerning but also distressing. Today, on XX/XX/year>, I spoke with a TransUnion representative during a recorded phone call. I was told that this bankruptcy was provided directly from the XXXX Bankruptcy XXXX and verified as accurate. So, I personally contacted the bankruptcy court, and the clerk informed me that the court did not furnish or report this information to any credit bureaus or third-party reporting agencies. The clerk also directed me to an official statement outlining this policy ( See Attached Document ). This directly contradicts XXXX claim during a recorded call that the bankruptcy entry was verified and provided by the court. And this means that Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. Since the court has confirmed it is not the source of this data as TransUnion claims, I am asking that this entry be deleted 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 2025-06-02 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX I requested an investigation because I felt the item was not being reported legally. XXXX XXXX  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 tXXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX 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 XXXX XXXX XXXX XXXXs well as mail showing XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX I requested an investigation because I felt the item was not being reported legally. XXXX XXXX  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 tXXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX 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 XXXX XXXX XXXX XXXXs well as mail showing XXXX XXXX XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
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 XXXX you an additional XXXX XXXXs 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 2025-06-03 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: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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