vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
It took me around a week to build up the courage to submit this report where Im talking directly to Concora Credit again. And Im still feeling queasy as Im writing this. Please refere to previous CFPB case numbers XXXX, XXXX, and XXXX. As of XX/XX/XXXX, Im dealing with ANOTHER identity thief who ( for whatever reason ) keeps leading me back to the parent bank Concora Credit. Last year around this time, this person ( or group of people ) fraudulently opened a Destiny XXXX  pretending to be me. This year, its an XXXX XXXX card. So, can we please just handle this CFPB process without Concora going back to their old gimmick where they falsely spam the Duplicate Complaint within minutes after I submit a report, so they dont have to answer any of my concerns? Okay? I dont need to be put through THAT again. The new XXXX complaint goes like this : On Sunday, XX/XX/XXXX, XXXX monitoring e-mailed me an automatic alert saying there was a new inquiry on my XXXX  report from a company called XXXX XXXX This alert happened while my entire home internet network was down, and I spent most of the day on my mobile phone fixing the issue with the XXXX cable company. Ive never heard of XXXX before, and I wasnt sure if the credit alert itself was indicative of a crime happening. But on its own, the timing felt like a very eerie coincidence. About a week later, Monday XX/XX/XXXX, I received XXXX new credit card and welcoming packet in my physical mail. But I never applied for this card! So a crime HAS occurred. Someone with my SSN is going around in XXXX intervals opening fraudulent credit accounts pretending to be me. And the activation link for XXXX XXXXXXXX XXXX XXXX goes back to an old friend I recognize Concora Credit! Ive already reported this most recent incident to the FTC and the FBI IC3. Please see attached. Im in the middle of reporting this to my local XXXX XXXX XXXX Police. Im waiting for them to call me back so they can finish taking my information. Im convinced these XXXX and XXXX incidents are not a mere coincidence. This is someone ( or any number of people ) deliberately targeting me, to terrify and antagonize me, while trying to send me some kind of message. What EXACTLY that message is, and why are they doing this, I can only guess.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I am writing to follow up on my recent complaint submitted to the Consumer Financial Protection Bureau regarding inaccuracies on my credit report, including the presence of outdated or incorrect personal information, unauthorized hard inquiries, and derogatory accounts that do not belong to me or are otherwise unverifiable. 

Despite my previous request, these items remain on my credit file and continue to have a negative impact on my creditworthiness. I respectfully request that the following actions be taken as required under the Fair Credit Reporting Act ( FCRA ) : Removal of Outdated or Inaccurate Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request the removal of all outdated addresses, or other personal identifiers that are not directly associated with my identity or current living situation. 

Deletion of Unauthorized or Unverified Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize several of the listed hard inquiries, and I request they be investigated and permanently removed unless proof of permissible purpose can be provided by the data furnisher. 

Investigation and Deletion of Derogatory Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request a thorough investigation into the listed derogatory accounts. If the reporting entities can not provide timely, complete, and verifiable documentation proving the accuracy and ownership of these accounts, they should be removed in compliance with FCRA guidelines.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX, a check was sent to me for overage on my escrow account. I deposited that check on XX/XX/XXXX. I was told on XX/XX/XXXX, someone at Carrington Mortgage decided to place a stop payment on the check, to make sure the amount owed was correct. They say they sent a new check on XX/XX/XXXX, 2 days after it was deposited into my bank account. My bank made me aware the funds were being withdrawn from my account on XX/XX/XXXX. At no time did Carrington Mortgage notify me of any of this was happening. On XX/XX/XXXX, I called Carrington Mortgage to ask what was happening. They did nothing except tell me they didnt know why this happened, or who did it. They did offer to let me fax them a request to research the issue but no resolve and no info provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights. 

XXXX U.S.C XXXX Section XXXX A. States i have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-09-16 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: FL

Complaint narrative:
Subject : Request to Update Account Status XX/XX/year> Dear XXXX XXXX XXXX Experian Reference Acct # XXXX XXXX XXXX XXXX. 
Subject : Dispute of Inaccurate Information under 15 U.S.C. XXXXi ( FCRA )

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OR

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 2025-09-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
My credit report has several accounts and collections that needs attention due to inaccurate information reporting. There are inquiries reporting that i do not recognize

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 2025-09-16 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: GA

Complaint narrative:
My credit report has several accounts and collections that needs attention due to inaccurate information reporting. There are inquiries reporting that i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
My credit report has several account that are incorrect

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 2025-09-16 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: TX

Complaint narrative:
My credit report has several account that are incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
i have 3 closed loans with XXXX who have been paid in full. Loans were in deferment status due to covid then I was enrolled all year as a XXXX XXXX XXXX as I am currently. Explained this to representatives and provided proof but multiple late payments were added to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence serves as a formal dispute regarding fraudulent accounts currently listed on my credit report. I have no knowledge of these accounts, nor did I authorize them. Their reporting is false, misleading, and damaging, creating an inaccurate portrayal of my financial responsibility.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I called Bank of America a month or so to dispute charges on my credit card ending in XXXX as I noticed in my online account that I had charges on them. During that call, I spoke with a male rep and advised him that I never received paper statements so I was wondering what those charges are. I told him that BOA is not my primary credit card and only using my checking account with them to pay my son 's school expenses so I do not log into my account compared to my other primary accounts. I was told that I will get an investigation results in the mail but I never did as of today, XX/XX/XXXX. I placed a call today because I finally received a credit card paper statement as I found out that they have not stopped charging my account after my first attempt to report a suspected fraud transactions, and continued to charge late fee. I asked the lady rep for the date I last called them to refer my request to dispute charges for those suspected fraud, but was informed that she does not have a record or found notation about that call. She however confirmed that they have closed my credit card account. I could have paid it off when I called them upon initial report as I also have an active checking account with them. It was easy for me to debit my account if they are legitimate transactions, but I relied to the promised result of their fraud investigation. I expected that their obligation as fiduciary will be fulfilled, but it seemed that they took my call for granted. I understand that under Regulation XXXX, financial institutions must promptly investigate errors reported by consumers. The basic timeline is to resolve most errors within XXXX business days and report findings within XXXX days of completing the investigation. If an institution needs more time, they may take up to 45 days by provisionally crediting the consumer 's account within XXXX business days. However, extended deadlines of up to 90 days apply for specific transactions like point-of-sale debit card transactions or those involving new accounts within XXXX  days of the first deposit. The institution must notify the consumer of its findings and explain their right to request supporting documents. In my frustration, I requested today to debit my BOA checking account to settle it. I am writing to let you know that Bank of America did not comply with the consumer protection guidelines and kept on charging fees to the disputed transactions.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
I have made several good-faith attempts to have this fraudulent account investigated and removed from my record. Despite providing all requested documentation including an official police report my dispute has not been properly honored. The creditor has refused to take corrective action, leaving this fraudulent account to continue damaging my credit and financial reputation.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have made several good-faith attempts to have this fraudulent account investigated and removed from my record. Despite providing all requested documentation including an official police report my dispute has not been properly honored. The creditor has refused to take corrective action, leaving this fraudulent account to continue damaging my credit and financial reputation.

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 2025-09-16 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: NC

Complaint narrative:
I have made several good-faith attempts to have this fraudulent account investigated and removed from my record. Despite providing all requested documentation including an official police report my dispute has not been properly honored. The creditor has refused to take corrective action, leaving this fraudulent account to continue damaging my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation