vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
To The Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple inaccuracies appearing on my consumer credit reports. These items are causing significant harm to my credit standing, and I am requesting a full investigation and immediate corrective action under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Incorrect & Unknown Addresses Reported The following addresses are appearing on my credit profile, but I have no association, residence history, or affiliation with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address These addresses are inaccurate and should not be linked to my file. I am requesting removal of these addresses as they falsely represent my identity and personal information. 

XXXX. Unrecognized Charge-Off Account XXXX XXXX  Account Ending XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge or recollection of ever opening or authorizing any account with XXXX XXXX XXXX I am disputing the legitimacy of this account and request immediate deletion from my credit report as required under FCRA guidelines when an account can not be verified. 

XXXX. Inaccurate Late Payment Reporting I am also disputing the following accounts due to false late payment history being reported. I have never made late payments on these accounts, and therefore the reporting is incomplete, inaccurate, and damaging : XXXX XXXXXXXX High Balance {$130.00} Opened XX/XX/XXXX Late Payment Marked Incorrectly XXXX XXXX XXXX XXXX XXXX High Balance {$20000.00} Opened XX/XX/XXXX Late Payment Marked Incorrectly I request correction and update of payment history to reflect an accurate status with no late payments. 

Requested Resolution Remove inaccurate/unknown addresses Delete the unrecognized XXXX XXXX  charge-off account Correct and update late payment entries for XXXX & XXXX XXXX XXXX XXXX I am requesting a full review , verification, and correction of these items. If the furnishers can not provide documented proof of validity, these items must be removed or corrected immediately in compliance with FCRA regulations. 

Thank you for your time, investigation, and prompt attention to this matter. 
I am available to provide any identity verification or supporting documentation as needed.

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 2025-11-28 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: TN

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We were sent a wire transfer by XXXX of our customers on XX/XX/year> before the wire transfer cutoff time ( Domestic transfers ). The confirmation was provided by the customer. The transfer was to buy the parts required to repair the customers aircraft ( XXXX XXXX commercial aircraft ). The wire transfer was not received on Wednesday, and since Thursday XX/XX/year> was XXXX day, we were forced to wait until Friday XX/XX/year>. The wire was still not received in the account by then, so I attempted on numerous occasions to contact Bank of America to have the wire processed. I was repeatedly transferred between departments and after sitting on hold for XXXX minutes and the recording stating please hold for the next advisor, the system each time would play a recording at XXXX minutes stating all agents were busy please call back later and hang up. I would then call back and repeat the process. This occurred XXXX  times. There was never a resolution received, no information provided, and the wire not posted as of XXXX XXXX  Friday XX/XX/year>. This is the second XXXX Bank of America has done this with the same customer. On Wednesday, XX/XX/year> a wire transfer was received from XXXX of our other customers and appeared in the account XXXX after the customer provided us the confirmation. Not receiving this wire transfer has resulted in XXXX major items ( and numerous smaller items ) : XXXX. XXXX of the parts being purchased was sold, due to non-execution of the purchase order resulting in having to buy another part which was {$30000.00} more expensive XXXX. Customer has cancelled the contract with us for a total of XXXX aircraft, due to lack of confidence, resulting in a loss of {$860000.00} in future income XXXX. The loss of XXXX  day of possible work for myself, by having to remain on the phone with Bank of America for XXXX hours. My labor is billed at {$3000.00} per day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I changed insurance companies with coverage effective through XX/XX/XXXX, new coverage began effective XX/XX/XXXX. I attended a call and verified this info was faxed over. They later claimed not to receive the info and force placed lender insurance in excess of {$5000.00} and would not allow to make my regular payment without including payment for the lender insurance. Each month I uploaded the required documents and was told the insurance could take XXXX days to remove. The lender insurance was not removed until the end of XXXX, at which time, due to being behind, I was placed in a modification. I was only behind because they would not allow a payment without paying for the duplicate hazard insurance placed on my account which was XXXX my payment. I have recorded XXXX calls and have made XXXX requests to remove the insurance and modification and was told on all XXXX calls it would be done within XXXX hours, that was over a month ago and as of today ( XX/XX/XXXX ) my online account still shows that I am in a modification, the account is excrowed and I can not make my regular payment. Additionally, my taxes and insurance have always been self paid and are up to date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
refusing to validate debt which violates my right under FDCPA and reporting inaccurate information to credit bureaus, causing this to affect my credit score and causing person stress over this matter. I need the debt collector to provide me with their license to be able to collect debt in my state. I need the debt collector to provide the chain of custody in the alleged debt. I also need the debt collector to provide purchase agreement on said debt. I am filing a complaint here with CFPB, BBB and attorney General. As i never received none of the documents stated above, I am requesting the debt creditor " FAIR COLLECTIONS AND OUTSOURCING '' to send those documents as they are required by law, or to close, cease and deleted this alleged assumed debt from my credit report as soon as possible.

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 2025-11-28 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
On XX/XX/year> the XXXX business day after I filed the dispute on XX/XX/XXXX Member Advocacy agent XXXX XXXX stated on a recorded call that : No provisional credit will be issued -These transactions do not fall under Regulation E -I authorized them but never received the goods This is false. 
XXXX has already provided written confirmation they have NO RECORD of any of these XXXX transactions ever reaching their system. The money left my SoFi debit card, XXXX never received it, and I received XXXX crypto. 
This is an incorrect / unauthorized electronic fund transfer under 12 CFR 1005.11 ( c ) ( 2 ) ( i ).

SoFi has willfully violated the mandatory XXXX provisional credit rule. 
I already have XXXX prior CFPB complaints and OCC Case XXXX open on this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OK

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: AL

Complaint narrative:
Your Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XXXX Phone : ( XXXX ) XXXX Date : XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Investigation & Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute and request the deletion of the inaccurate, incomplete, and unverified information appearing on my consumer credit file, as allowed under the Fair Credit Reporting Act ( FCRA ) Sections 602, 603, 607, and 611. 

The following account ( s ) contain errors and must be investigated and removed immediately if the furnisher can not prove accuracy, ownership, or proper reporting : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX ( AT & T ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXXXXXX XXXX  ) XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # # XXXX Under the FCRA, you are required to report only 100 % accurate, verifiable, and complete information. 
The above account ( s ) contain XXXX or more of the following violations : Unverified information ( FCRA 611 ) Incomplete or inaccurate reporting ( FCRA 607 ( b ) ) Balance, dates, or status inconsistent with original creditor reporting Failure to validate ownership or furnish proper documentation Mixed or incorrect personal information connected to the accounts Because of these violations, these accounts must be deleted from my credit file unless the information can be fully verified using original documentation from the data furnisher, not a database printout. 







Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am submitting this complaint because Experian is reporting an individual collection account from XXXX XXXX XXXX  with account number XXXX, Date Opened XX/XX/2023, High Balance {$650.00}, and I have no knowledge of this account, I never authorized this debt, and Experian has continued to publish this information without providing any validation or proof of my liability. I have never entered into any agreement with this company, I have never received any contract or documentation linking me to this alleged account, and Experian is in violation of federal laws by allowing unverified, inaccurate, and incomplete information to remain on my consumer report. This reporting violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) for failing to ensure maximum possible accuracy, 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation, and 15 U.S.C. 1681s-2 for permitting the continued reporting of unverifiable information furnished without proof. I am requesting CFPB oversight because Experian has not provided any evidence such as an original signed contract, proof of ownership, proof of assignment, or any verification confirming that this alleged debt belongs to me. I am demanding that Experian follow federal law, obtain legally acceptable documentation, validate this alleged account, and immediately delete the item from my file if it can not be verified with proper evidence. I request that the CFPB ensure Experian corrects these inaccuracies, removes unverified information, and complies fully with all federal consumer protection requirements.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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