vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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:
I am submitting this complaint because inaccurate and unverifiable information is continuing to report on my consumer credit file despite prior disputes. I am requesting full correction/deletion of the items listed below and written confirmation of the actions taken. 

Disputed tradelines / reporting : XXXX XXXX Acct : XXXX This account was not authorized by me and is the result of fraudulent activity. I have already disputed this item and provided supporting documentation. The bureaus and/or furnishers have relied on generic verification without producing competent evidence. Continued reporting violates FCRA accuracy and reinvestigation requirements, and I am requesting that this item be blocked/deleted. 

XXXX XXXX XXXX Acct : XXXX This account is reporting inaccurate late payments for XX/XX/XXXX ( XXXX late ) and XX/XX/XXXX ( XXXX late ). These delinquency codes are inaccurate and materially misleading. I am requesting removal/correction of these late payment notations and a corrected payment history. 

XXXX XXXX XXXX Acct : XXXX This account is reporting inaccurate late payment history : XX/XX/XXXX ( XXXX late ), XX/XX/XXXX ( XXXX late ), XX/XX/XXXX ( XXXX late ), XX/XX/XXXX ( XXXX late ). These codes are internally inconsistent and remain unverifiable. I am requesting deletion/correction of the disputed delinquency history. 

Disputed personal information ( addresses to delete ) : XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These addresses are not mine and must be removed to prevent misassociation and reinsertion of inaccurate items. 

Relief Requested : Delete/block the XXXX tradeline listed above. 

Correct/remove the disputed late payments for XXXX as listed above. 

Delete the disputed addresses. 

Provide written investigation results, including the furnishers contacted and the verification basis used. 

I am requesting the CFPBs assistance to ensure compliance with the Fair Credit Reporting Act regarding reasonable reinvestigation, maximum possible accuracy, and correction/deletion of unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding ongoing inaccurate and unverified credit reporting that remains on my consumer credit file despite prior disputes. I have already sent disputes directly, and the continued reporting of these items demonstrates a failure to comply with federal law. This complaint is being filed to document noncompliance and to request regulatory review. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681e ( b ), 1681i, and 1681s-2 ( b ), furnishers and credit reporting agencies are required to report information with maximum possible accuracy and to conduct a reasonable investigation when a consumer disputes information. Any data that can not be fully verified must be corrected or deleted. 
XXXX XXXX Account XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$3600.00} Status Charge Off contains conflicting balance and status information. Reporting inconsistent data without verification constitutes inaccurate reporting under the FCRA and must be corrected or removed. 
XXXX BANK XXXX Account XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$4500.00} Status Charge Off remains unverified. There has been no documentation provided to support the charge-off status or to establish compliance with reporting standards. 
XXXX XXXX Account XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$31000.00} Status Charge Off is disputed due to the absence of proper investigation results and failure to provide verified records supporting the reporting of this account. 
In addition, the following inquiries are being disputed as unauthorized, excessive, or inaccurately reported. Under the Fair Credit Reporting Act, 15 U.S.C. 1681b, consumer reports may only be accessed for a permissible purpose. Any inquiry lacking a valid permissible purpose must be removed. 
XXXX XXXX dated XX/XX/XXXX XXXX Inquiry dated XX/XX/XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX Inquiry dated XX/XX/XXXX I am requesting that the CFPB review this matter and require the involved furnishers and credit reporting agencies to comply with the Fair Credit Reporting Act by conducting proper investigations and correcting or deleting any information that can not be fully verified. Continued reporting of inaccurate or unverified information causes ongoing harm and reflects noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$56000.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Customer service horrible. Can not reach a human without going through insane artificial stupidity. Customer service lies. Misdirects and did not help. The only assistance was from the XXXX XXXX at a location.

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 2025-12-22 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable credit reporting by XXXX XXXX UNITED WHOLESALE M for the account listed below. 

Account in dispute : XXXX XXXX UNITED WHOLESALE M Acct : XXXX This account is reporting a series of inaccurate and internally inconsistent late payment notations, including : XX/XX/XXXX 30-day late XX/XX/XXXX 120-day late XX/XX/XXXX 90-day late XX/XX/XXXX 150-day late These delinquency codes do not follow a logical or verifiable progression and appear to be the result of improper reporting or data errors. Despite prior disputes, the furnisher has continued to report these late payments without providing competent documentation to support their accuracy. 

I am requesting that XXXX / UNITED WHOLESALE M conduct a full and reasonable investigation and either : Provide complete and verifiable documentation supporting each reported delinquency ( full payment history, posting dates, delinquency escalation methodology, and servicing notes ), or If such documentation can not be produced, immediately remove or correct the disputed late payment history and notify all consumer reporting agencies of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding an issue involving an incorrect email address associated with your records.

It has come to my attention that communications intended for me have been sent individual have been to an incorrect email address. This indicates that an incorrect email address has been recorded or used within your system. As a result, I have not received information for my loan repayment.

I respectfully request that you investigate this matter and take the necessary steps to correct your records immediately to ensure that my email address is corrected and any negative remarks on my accounts will be removed.

I trust that this matter will be treated with urgency and handled in accordance with applicable data protection and privacy standards. Should you require any further information from me to assist with resolving this issue, please let me know.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 2025-12-22 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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX. 
Product Type : Credit card billing / Subscription charges Issue : Unauthorized charges/ Billing error Complaint Narrative I am filing this complaint regarding unauthorized recurring charges for a duplicate XXXX XXXX membership billed to my credit card over an extended period, where no usage or benefit was received. 

My legitimate XXXX XXXX membership is associated with XXXX. A second XXXX account, XXXX, was opened in XX/XX/XXXX and was unknowingly enrolled in a separate XXXX membership. That duplicate account was closed on XX/XX/XXXX. 

From XX/XX/XXXX through XX/XX/XXXX, my credit card was charged {$16.00} per month, totaling approximately 36 months of charges for the duplicate XXXX membership. 

Key facts : The same credit card was billed for both XXXX  memberships The duplicate account did not use any XXXX  benefits There were no orders, no shipping benefits, and no XXXX  Video or Music usage XXXX customer service confirmed no usage verbally Recorded calls documenting these confirmations are available and linked below I did not authorize two concurrent XXXX  memberships and received no goods or services from the duplicate account. These charges therefore constitute unauthorized charges or a billing error, not a discretionary subscription I knowingly maintained. 

XXXX has refused to refund the charges beyond limited internal policy thresholds despite confirmation of no usage and no benefit. 

Evidence ( Recordings ) Recording 1 : XXXX XXXX XXXX Recording 2 : XXXX : XXXX XXXX Requested Review and correction of unauthorized duplicate XXXX charges Refund of charges associated with the unused XXXX membership Confirmation of corrective action to prevent recurrence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi is reporting this account as included in bankruptcy despite a {$0.00} balance prior to filing and no discharge of debt. This reporting creates a false inference of default or loss when none occurred, and materially misleads potential creditors. It is marked a derogatory and inaccurate line on my credit report. 

This reporting materially misrepresents the accounts history and negatively impacts my credit profile despite responsible payment behavior.

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 2025-12-22 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:
Subject : Formal Complaint : Failure to Properly Verify Disputed Accounts - TransUnion File # XXXX Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX TransUnion File Number : XXXX Message : To the Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against TransUnion regarding their recent investigation of my credit report, issued on XX/XX/year>. TransUnion has failed to provide substantive verification for two collection accounts despite my formal dispute. +1 According to the " Investigation Results '' I received : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was " Verified as Accurate '' with a balance of {$3000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account, regarding a debt with XXXX XXXX, was also " Verified as Accurate '' with a balance of {$1200.00}. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Simply stating that a data furnisher " verified '' the info is not sufficient when the accuracy of the debt itself is being challenged. TransUnion has not provided a description of the procedures used to verify these items, nor have they provided proof that these collectors possess the legal right or accurate documentation to report these debts. Furthermore, my report lists a XXXX XXXX XXXX account XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  ) as " Sold ; was Charged-off ''. This account remains on my profile despite being sold to another lender. I am requesting the following actions : 1. TransUnion must provide the specific Description of Procedures used to " verify '' these accounts. 2. If the data furnishers can not provide physical, documented evidence of these debts, the accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  must be deleted immediately. 3. A full reinvestigation into why a " sold '' charge-off is still negatively impacting my score. I have attached the TransUnion investigation results ( File # XXXX ) for your review. Thank you, 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 non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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