vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: VA

Complaint narrative:
Lead Bank is reporting inaccurate and incomplete information on my credit file in violation of FCRA 1681e ( b ) and 623 ( a ) ( 1 ) ( A ). This account is reporting as a charge-off while also reporting an active past-due amount of {$160.00}, which is inaccurate and misleading. A closed, charged-off account can not legally continue showing an active past-due balance unless payments are being billed, which they are not. 

The payment history also shows XXXX, XXXX, XXXX, and XXXX late payments after the alleged charge-off date, which is impossible and violates accurate reporting requirements. The report is also missing a Date of Last Activity, preventing proper aging under FCRA 605. 

Because multiple required XXXX fields are missing or inconsistent, the tradeline is not being reported with maximum possible accuracy. 

I am requesting a full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Denefits LLC
State: PA

Complaint narrative:
This complaint is actually about XXXX things - First off I emailed them and told them not to call to put in writing whatever they wanted to say - that was in XXXX  and they continue to call me. 
Secondly, while I did not agree I owed all this debt I agreed to a settlement to get it off of my credit in the spring of XXXX. I agreed to XXXX payments of XXXX. After the first couple I felt they did not uphold what they said about updating my credit reporting and filed a complaint here and with the XXXX  XXXX XXXX. Next thing I know I try to pay an installment and cant. I am then told REPEATEDLY that they will not accept ANY payments from me unless I remove all complaints which I was unwilling to do.. Occasionally after that I would get an inquiry via text and when I say I am not removing the complaint thats it. Because I refused to do so in XXXX they texted saying I was refusing and threatening legal action- which over XXXX  months later I have yet to receive the letter they threatened me with This falls under coercive techniques under the rules for debt collection. Now I am getting calls texts and emails ( despite my request for no phone ) threatening escalation - mind you there is a mediation clause in the contract they sent. My understanding is I could sue them for each violation.I would like to settle this here first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint due to unauthorized inquiries on my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : Creditor/Institution : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX  XXXX Date of Inquiry XXXX XX/XX/XXXX Creditor/Institution : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX : XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX  XXXX Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX  XXXX XXXX of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Specific Violations of the FCRA and Legal Basis : XXXX. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 
XXXX. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision. 
XXXX. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate fraud.

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 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: BILL.COM, LLC
State: NC

Complaint narrative:
I am a small business owner who used BILLs invoice financing ( Pay Me Now ). I have 18 fully paid financing invoices and a consistent history of repayment. I paid more than {$2000.00} in fees and interest and typically used less than half of my available financing limit. Despite this strong repayment history, Bill.com repeatedly restricted my financing access due to delays in their internal ACH payment processing system.

BILL only allows ACH as a repayment method. Their ACH processing takes several days, and multiple times they marked my payments as missed even when I submitted repayment on time. Every time I noticed an issue, I immediately initiated payment again, and the funds cleared my bank account. The delays were caused entirely by BILLs processing timeline, not by insufficient funds or unwillingness to pay.

On multiple occasions, after my payment cleared at my bank, BILL still did not update my account status for several days. This prevented me from accessing the Pay Me Now feature, even though I met all eligibility criteria. I contacted support repeatedly, provided proof of payment, and explained the recurring issue. 

On XX/XX/year>, after another payment that had already cleared was not reflected in their system, I escalated the issue. During the escalation call, instead of addressing the underlying system issue, BILLs escalation manager informed me that my financing privileges were being terminated.

Why This Is a Regulatory Concern : BILL took adverse action on my financing despite my account being in good standing.

The adverse action appears to be based on issues caused by BILLs own payment-processing delays.

BILL did not offer alternative repayment methods. 

The termination of financing occurred immediately after I raised concerns and requested help, which may constitute retaliatory behavior.

BILLs inconsistent recognition of payments prevented me from accessing financing, directly impacting my ability to run my business.

I am requesting that the CFPB review BILLs practices regarding : Their ACH-only payment method and multi-day processing delays.

Their handling of adverse action against small business customers in good standing. 

Whether their actions constitute unfair or abusive practices under UDAAP standards. 

Whether terminating financing immediately after customer complaints constitutes retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
BOUNCE AI IN is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My identity has been stolen to take out XXXX loans in my name. I'm contacting all credit agencies to put freezes and alerts on my accounts. I can't do this with Experian. The website repeatedly gives me errors during account creation and I can't get in contact with a real person to fix the issue. I keep getting routed around their automated phone tree then hung up on. I haven't been able to create an account / view report / place a credit freeze. I need to reach the company to be able to do these things.

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 2025-11-21 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: MA

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am requesting an immediate reinvestigation and correction of my personal identifying information. The Fair Credit Reporting Act requires that all information in my file be complete and accurate. 
Please update : Remove all outdated or incorrect previous addresses. 
Confirm my correct current address : XXXX XXXX XXXX XXXX, XXXX NY XXXX. 
Ensure my legal name is reported consistently as XXXX XXXX. 
Please provide me with written results of your reinvestigation within 30 days as required by the 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 2025-11-21 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I am filing this complaint because Equifax is reporting information that I believe is inaccurate or unverified. I disputed these items directly with Equifax, but they have not provided proper validation. 

CHARGED-OFF / COLLECTION ACCOUNT XXXX  Acct : XXXX Reported XX/XX/year> Balance : XXXX Equifax has not provided documentation proving this account is accurate or belongs to me. 

LATE PAYMENTS XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX These late payments remain unverified. Equifax has not supplied documentation showing they are accurately reported. 

There are no inquiries under dispute with Equifax at this time. 

I request that Equifax validate all items listed or delete them if they can not be properly verified under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company 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 2025-11-21 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: ALCHRO INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, There Was Unauthorized Inquires From : ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This Account Fall Under The Statue Of Limitations Or Are Misreporting On My Credit Report.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
This serves as a formal challenge to the referenced accounts. I do not recognize them and did not permit their creation. I request immediate deletion and review. Supporting evidence is included.

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 2025-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a HELOC application to Bank of America for a property in XXXXXXXX XXXX. My credit report was pulled at that time. 
In XX/XX/XXXX, Bank of America requested additional satisfaction of mortgage documents related to XXXX recorded instruments from XXXX and XXXX. I immediately began working to obtain these documents. 
Bank of America initially directed me to contact XXXX XXXX  for the documents. After contacting XXXX XXXX, I was informed that XXXX Mortgage was the correct party to provide the documents. This misdirection caused additional delays. 
In early XX/XX/XXXX, I obtained all requested documents from XXXX Mortgage, including a Satisfaction of Mortgage and confirmation that a lien release was submitted to the county for recording. I provided all documents to my Bank of America representative on XX/XX/XXXX. She confirmed receipt and stated she would forward them to underwriters and her manager. 
Since XX/XX/XXXX, Bank of America has refused to respond to any communication : Called my representative XXXX  times from my primary phone - no response Called from a different phone number - she immediately texted back, proving she is available but deliberately ignoring my primary number Left XXXX voicemail messages for her supervisor - only XXXX returned call Supervisor instructed representative to call me back - she did not Another Bank of America representative confirmed my representative was in office, emailed her in real time, received a response, and asked her to call me back - she refused Sent multiple emails - no response On XX/XX/XXXX, I called Bank of America and filed a verbal complaint, requesting a manager callback. As of XX/XX/XXXX, no one has called back. There is no accessible email or phone number for customer complaints. 
It has been over XXXX  months since my application was submitted. The pattern of selective non-responsiveness and deliberate avoidance suggests discriminatory lending practices. My property is located in a predominantly XXXX neighborhood, raising concerns about potential redlining and fair lending violations.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ________________________________________ RE : CEASE AND DESIST NOTICE UNDER 15 U.S.C. 1692c FAIR DEBT COLLECTION PRACTICES ACT Dear Sir or Madam, I am formally notifying you, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me regarding any alleged debt purportedly owed to your company, your affiliates, or any third parties acting on your behalf.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the collector may not contact the consumer again except to : XXXX. Advise that further efforts to collect the debt are being terminated ; XXXX. Notify the consumer that the collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or XXXX. Notify the consumer that the collector or creditor intends to invoke a specified remedy. 
Accordingly, you are hereby directed to immediately stop all communications with me, including but not limited to phone calls, letters, emails, or contact through third parties. 
Furthermore, I request that you cease reporting any disputed or unverified information to any credit reporting agencies, in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Any continued reporting of inaccurate or unverified information will be considered willful noncompliance and a violation of federal law.

Please note that any further unauthorized contact from you or your representatives will be documented and may result in legal action to enforce my rights under the FDCPA and related consumer protection laws. 
I expect written confirmation that you have received this cease and desist request and that all communication will cease, except as permitted under 1692c ( c ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX ( XXXX ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief