vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to formally dispute the charge-off entry listed on my credit report for the account referenced above. This entry is inaccurate, and I am requesting a full investigation into this matter under the Fair Credit Reporting Act ( FCRA ) 1681EB and 605B. Due to inaccuracy, I am requesting this account be deleted. XXXX XXXX XXXX did not validate the debt. I am a victim of identity theft my FTC report number is XXXX and XXXX complaint number XXXX. The lender XXXX XXXX XXXX responded with a letter with inaccurate information on it. There is no mention of a repossession on my credit file. The balance is reported incorrectly and inaccurately and I'm not familiar with this account. Please delete this account off my credit file within 4 days of receiving this letter. According to 15 USC 1692 c you have violated my rights by in lawful communications. Please remove this charge-off, off my credit report thank you. XXXX XXXX XXXX never sent me a notice of sale before disposing of it. Never allowed me an option to redeem the vehicle before sale by paying the full balance. Failed to go by the UCC 9614 guidelines of the deficiency and is charging me the full amount plus fees and interest. FCRA 1681i Failure to Report Accurate and Verifiable Information : The reported charge-off is inaccurate and incomplete without the above evidence. I am requesting that you investigate and verify the account with the creditor. If the creditor can not provide full legal substantiation of the claim, including Uniform Commercial Code 9614-compliant procedures, the information must be corrected or deleted from my credit report. I never received a Post Repost Notice from the lender XXXX XXXX XXXX after the car was reposed. I was never notified when and where the car was sold. I was never notified how much the car was sold for or sale price. XXXX XXXX XXXX never informed me how much the car was sold for and how much of the remainder balance was applied to the deficiency balance. XXXX XXXX XXXX failed to follow the UCC code 9614 and am asking this account be removed and deleted from my credit file. I checked with the DMV in my state of Texas and it still show the vehicle registered in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened 3 claims totaling {$1000.00} for unauthorized transactions. I submitted forms and info needed and was told the claims would be investigated. 2 claims, one for {$310.00} and one for XXXX were closed immediately due to Chase never sending form. I finally had them resent, filled out and sent back and was told no further info on all 3 claims was needed. I was out of the country and unable to get cell service. I received 2 calls from Chase that I returned and was told they did not know why I was contacted and no further info was needed on my claims. I received 3 letters that my claims were denied bc of insufficient information however chase still can not tell me why. I spoke to one individual who said it was bc I was out of the country and all I had to do was call and reopen the claims. They still say that is not true and I am out {$1000.00} from fraud charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I received a debit card from Wells Fargo on XX/XX/year> that I did not request, which was attached to a checking account. I called Wells Fargo, they closed the account and are sending information regarding fraud protection. 

I received a notice from XXXX requesting verification of an application for a checking account which I did not open. They closed the account and are sending information to regarding the investigation.

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 2025-08-05 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-08-05 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:
I am writing to formally dispute a late payment reported on my credit profile. After thoroughly reviewing my records, I am confident that the payment in question was made on time and should not have been marked as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: ND

Complaint narrative:
Opened a XXXX XXXX card, submitted State ID, lease and pay stub to prove identity and address. Since I live on XXXXXXXX XXXX  I dont get mail directly to home I use XXXX XXXX they closed the account. However they still are charging me annual fee, late fees, authorized user fee for my wifes card. I called over 10 times to fix their error I never used the card at all. They state they will reverse the fees but never do and they keep reporting inaccurate information to credit bureaus which is hurting my credit and my wife.

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 2025-08-05 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: ND

Complaint narrative:
Opened a XXXX XXXXXXXX card, submitted State ID, lease and pay stub to prove identity and address. Since I live on XXXXXXXX XXXX  I dont get mail directly to home I use XXXX XXXX they closed the account. However they still are charging me annual fee, late fees, authorized user fee for my wifes card. I called over 10 times to fix their error I never used the card at all. They state they will reverse the fees but never do and they keep reporting inaccurate information to credit bureaus which is hurting my credit and my wife.

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 2025-08-05 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: ND

Complaint narrative:
Opened a XXXX XXXX card, submitted State ID, lease and pay stub to prove identity and address. Since I live on XXXXXXXX XXXX I dont get mail directly to home I use XXXX XXXX they closed the account. However they still are charging me annual fee, late fees, authorized user fee for my wifes card. I called over 10 times to fix their error I never used the card at all. They state they will reverse the fees but never do and they keep reporting inaccurate information to credit bureaus which is hurting my credit and my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
There are several inaccuracies on my credit report

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I disputed a charge of {$180.00} from a merchant ( XXXX ) on my Bank of America credit card on XX/XX/year>. The bank initially issued a temporary credit, and I submitted all requested supporting documentation on the same day by fax and twice through their online portal showing that the merchant had agreed to a full refund and that I had returned the item using their prepaid label. USPS tracking confirmed delivery. 
Despite this, the charge was later reapplied without any notice to me, and I was told Bank of America never received the documents. When I called on XX/XX/XXXX, I was told I had been given an incorrect fax number, and that known issues exist with Bank of Americas online document upload system. I was also incorrectly told that the merchant claimed I still had the merchandise which is false. 
A representative named XXXX provided the correct fax number, and I resent all documentation. On XX/XX/XXXX, another representative ( XXXX XXXX confirmed the fax was received and said the case was being processed. 
Then, on XX/XX/XXXX, I was told by another agent ( XXXX XXXX that the case had never been reopened. I was transferred again and a different representative ( also named XXXX XXXX attempted to manually escalate the case and promised a response within XXXX hours. That deadline passed with no response. 
I reached out to XXXX XXXX, CEO of Bank of America, along with XXXX XXXX, Head of Consumer/Retail on XX/XX/XXXX to give Bank of America one more chance to make this right. As of today no response received and no credit to my account. 

Key concerns : I was not notified before the charge was reapplied. 
I was given incorrect information multiple times. 
I have proof the item was returned and received by the merchant, yet the charge remains. 
There are known system issues with Bank of Americas document upload tool, and customers are not made aware. 
Ive spent hours on hold, resending documentation, and chasing updates with no resolution. 
This situation has caused financial and emotional strain, and I believe Bank of America has not handled this dispute fairly or transparently. I am seeking a full reversal of the charge and a review of their dispute handling processes.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
A company called source receivables management says I have an account with over {$2000.00} debt. It is not mine I have no knowledge of it. It hasnt came off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Subject : Formal Debt Validation Demand Account Number : XXXX Alleged Balance : {$2400.00} | Original Creditor : XXXX XXXXXXXX  To Whom It May Concern, I am formally disputing the above-referenced debt being reported and/or collected by your company. This account is fraudulent, opened without my consent, and falsely linked to my identity and credit report. 

I have never lived at or authorized services at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, GA. I have no contractual relationship with XXXX  XXXX or your agency. Your continued reporting of this account has caused significant damage to my creditworthiness, dropping my credit score by XXXX points and interfering with my ability to complete active business financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-05 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-08-05 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:
XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX XXXX - XX/XX/XXXX - {$45.00} XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
XXXX - XX/XX/XXXX - {$660.00} XXXX XXXX XXXX - XX/XX/XXXX - {$45.00} XXXX XXXX - XX/XX/XXXX - {$120.00} XXXX - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-05 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: PA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of XXXX XXXX, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I am disputing a XXXX XXXX ( Structured Settlements ) collection account reporting on my Experian credit report. The account says Company Sold, yet Experian continues to report a {$1000.00} balance with no documentation, no ownership verification, and no itemized breakdown. My previous dispute was not properly investigatedExperian simply added a generic comment saying it meets FCRA requirements. This violates FCRA 611. I demand that this unverifiable and inaccurate account be removed.

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 2025-08-05 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: NC

Complaint narrative:
This complaint is related to XXXX previous CFPB submissions I filed regarding the same account from XXXX XXXX XXXX XXXX ( XXXX  ). The CFPB case numbers are as follows : XXXX for Equifax, XXXX for TransUnion, and XXXX for Experian. 

Despite those prior complaints, XXXX and all three credit bureaus continue to report this account in a manner that is factually inaccurate, inconsistent across agencies, and noncompliant with both the Fair Credit Reporting Act and Metro 2 guidelines. 

This XXXX account was charged off in XX/XX/XXXX. However, all three credit bureaus are allowing the furnisher to report new CO ( charge-off ) codes every month through at least XX/XX/XXXX. Monthly charge-off reporting after the actual charge-off date is prohibited by Metro 2 and misrepresents the timing and severity of the negative event. This practice is a form of illegal re-aging and directly violates FCRA section 607 ( b ), which requires credit information to be reported accurately and without misleading modification. 

In addition to the re-aging issue, there are material discrepancies across the bureaus. The credit limit is correctly reported as {$5000.00} by TransUnion and Experian, but Equifax shows a {$0.00} limit, which artificially inflates utilization. The account status and comment fields are also inconsistent across all three reports. For example, XXXX bureau states the dispute was resolved, another lists the account as charged off with no mention of a dispute, and another references a prior dispute without clarity. The dates of last activity and last payment also differ. These inconsistencies violate the requirement that credit information be complete, uniform, and verifiable across agencies. 

I have attempted to resolve this matter directly with XXXX and the credit bureaus over the course of nearly XXXX years. I have submitted multiple written disputes, the most recent of which was mailed to XXXX on XX/XX/XXXX. I am attaching that letter to this complaint along with a complete 3-bureau credit report dated XX/XX/XXXX, which clearly shows the violations described above. 

Despite numerous disputes and a prior round of CFPB involvement, the inaccuracies remain. The reporting practices on this account continue to suppress my credit score and mislead lenders.

Company response to consumer: Closed with explanation