vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-01 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
I noticed this on my account and it was fraudulent .. So I call the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have XXXX XXXXXXXX XXXX - XXXX with Bank of america. I asked them to close it a week after that once the funds are transferred out. But they are giving me difficult time. Neither Bank of america allows free ACH nor helpful to the customers.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX, I contacted Bread ( and all of my creditors ) explaining that I had loss of income and serious issues after XXXX hurricanes. They said there was nothing they could do except note the account. I asked for relief, nothing more. They continued to bombard my phone and email and I contacted them occasionally to touch base. I continued to make payments as I was able. On XX/XX/XXXX, I received the attached email from Bread regarding my loan. I worked through some things, sold my car, in an effort to make the payment they said in the letter would 'satisfy your loan obligation and your loan will be paid in full '. I made the payment and then contacted the XXXX customer service line that indicated they were escalating this to their manager " XXXX '' ( no last name ) to review if they will accept this to satisfy the loan. The email clearly shows that it is an offer to accept, and I made the {$1100.00} payment as requested to secure that option. The Customer Service agent indicated I still have future payments due.I emailed them a couple of times after and was basically dismissed. I contacted the number again today, XX/XX/XXXX ( XXXX week later ), and the customer service agent read the letter and said " it sounds like your loan should be paid in full ''. Then she put me on with XXXX who told me that they do not negotiate loans and that was misworded, but went through the legal department and was correct. The letter clearly states my loan should be paid in full. XXXX. This letter was dated after the lending statement and should be handled as an addendum. I feel they sent this letter in order to manipulate a payment but never intended to honor, although that is alleged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: NM

Complaint narrative:
I have no idea what the debt is about XX/XX/year>, and three separate listings to a Credit Management Company. One for XXXX another for XXXX and last one for XXXX noticed them recently on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I got a email stating that I owe {$31.00} for late fee .., which i paid before they could charge me for a late fee. I told the agent that I have my receipts to prove that " WELLSFARGO '' could not charge me for {$31.00}. And a late fee is {$35.00} per actions not '' {$31.00} ''. I know over draft my account but I do pay for my over drafts. I feel like I'm being over charge by this bank just because they can do it. I been with this before the even became wellsfargo.

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 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
CEASE AND DESIST I, XXXX XXXX, consumer and natural person, am notifying Medical Business Bureau , LLC that I refuse to pay the alleged debt under account number ending in XXXX. Pursuant to 15 USC 1692c ( c ), I dispute the alleged debt and want this debt collector to cease further communication with myself in regards to the above stated alleged debt. As the Original Creditor, I am demanding the following specified remedy ; 15 USC 1692c ( c ) ( 2 ) -This letter serves as written notice that I am notifying you all that I refuse to pay the alleged debt that you all say I owe and that I wish for you to cease all collection efforts and any further collection efforts -This letter also further demands an XXXX XXXX and FILE per 15 USC 1681 ( Audit trail may or may not include credit application, entire file on me, XXXX XXXX , all documentary evidence on me which can include all documents, papers, correspondence, books of account, and financial and corporate records ) Ignoring a cease and desist letter is a violation and can be taken as evidence that the above infringement was willful. If I do not receive a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist within 15 days of receiving this notice. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement of XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I would like to get a copy of my credit report please.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Issue Summary : I discovered inaccurate information on my credit report from [ XXXX XXXX XXXX XXXX XXXX ], which I believe is fraudulent. Despite my dispute and submission of supporting documents, the information has not been corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Issue Summary : I discovered inaccurate information on my credit report from [ XXXX XXXX XXXX XXXX XXXX  ], which I believe is fraudulent. Despite my dispute and submission of supporting documents, the information has not been corrected or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Red Target LLC
State: NV

Complaint narrative:
I received a threatening text message from Red Target LLC / SCJ Commercial Financial Services via phone number ( XXXX ) XXXX stating my account had been escalated to their " Pre-Litigation Department '' and that I needed to contact them immediately to avoid legal recourse. 
The message included intimidating language implying I was about to be sued, but provided no written proof of any debt or verification. This violates 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide written validation upon request before taking further action. 

Additionally, I am currently unemployed, receiving public assistance, and have been diagnosed with XXXX by a XXXX XXXX. This type of communication causes severe XXXX  XXXX  and could be considered harassment under FDCPA 1692d.

After replying " STOP, '' I received confirmation that I was unsubscribed. However, this company has no right to initiate threatening contact via text message without proper verification or written correspondence first. Their XXXX presence also shows questionable reviews. 

I request that this company be investigated for harassment and failure to comply with federal debt collection laws, and that all further contact be ceased. Please let me know if you need additional documentation or screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation. 

I am sincerely looking forward to your understanding and kind consideration of my request. Your assistance in addressing this matter would not only help resolve the inaccuracies on my credit report but also alleviate the challenges I am currently facing due to the drop in my FICO score. Your efforts in handling this dispute would make a significant difference, and I truly value the time and attention you dedicate to reviewing and resolving this issue. I deeply appreciate your willingness to help, and I remain hopeful for a positive outcome. Thank you once again for your support and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: OFG BANCORP
State: NY

Complaint narrative:
In XX/XX/XXXX hurricane XXXX hit XXXX XXXX. The XXXX and XXXX XXXX received XXXX XXXX XXXX  to restore XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The remaining XXXXXXXX XXXX  did not receive their {$21.00} XXXX in insurance proceeds. In XX/XX/XXXX of XXXX Oriental Bank gave XXXX XXXX XXXX a mortgage for XXXX and on XX/XX/XXXX an additional XXXX XXXX against all XXXX apts as collateral. Oriental Bank is now trying to eliminate all XXXX deeded owners and have collaberated with a group of rogue owners to take control of the insurance proceeds. I NEVER MORTGAGED MY DEEDED UNITS AND NOW I NEVER CAN. 
My units were listed as secured assets in the managers bankruptcy proceeding. 
Please help.

Company response to consumer: Closed with explanation