vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Social Last XXXX : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : XXXX XXXX XXXX Bank XXXX XXXX and ChexSystems, TeleCheck and XXXX XXXX XXXX for XXXX XXXX FCRA and XXXX To Whom It XXXX Concern, I am filing a formal complaint regarding improper reporting, failure to properly investigate a dispute, and resulting financial harm caused by Bank XXXX XXXX, ChexSystems, TeleCheck and XXXX XXXX XXXX. 
Nearly XXXX years ago, I reported a transaction connected to my Bank XXXX XXXX checking account as fraudulent. Bank XXXX XXXX initially issued a credit, confirming the charge was unauthorized. Later, without presenting evidence, they reversed the credit and closed my account. The incident occurred years ago, so I no longer have access to the original correspondence with Bank XXXX XXXX. 
The core issue is that Bank XXXX XXXX only recently reported the account as unusual activity to ChexSystems, XXXX XXXX XXXX, and TeleCheck, despite the matter occurring years ago. This delayed reporting is now preventing me from opening new bank accounts. I was never notified that Bank XXXX XXXX intended to report me, nor was I given an opportunity to dispute the information before it was furnished. 
I believe this violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) : Duty to report accurate, verified information FCRA 1681s-2 ( b ) : Duty to investigate disputed information FCRA 1681i : Right to dispute and have unverified information removed It XXXX also violate the Fair Credit Billing Act ( FCBA ), which requires : Proper investigation of disputed charges Documentation supporting creditor findings No negative reporting unless a charge is proven valid Bank XXXX XXXX has not provided proof that the charge was authorized. ChexSystems, XXXX XXXX XXXX and TeleCheck are now reporting an entry that is inaccurate, unverified, and outdated. 
I am requesting that the CFPB : XXXX. XXXX Bank XXXX XXXX to provide documentation proving the charge was authorized or retract their reporting. 
XXXX. XXXX ChexSystems, XXXX XXXX XXXX, and TeleCheck to remove the unverifiable entry immediately. 
XXXX. Ensure both parties comply with the reinvestigation timelines required by law. 
The continued reporting is causing significant and immediate harm, as I can not open new bank accounts. 
Thank you for your attention to this matter. I request expedited handling and written confirmation of the resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Social Last XXXX : XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Against Bank of America and ChexSystems, XXXX and XXXX XXXX XXXX for Violations of FCRA and FCBA To Whom It May Concern, I am filing a formal complaint regarding improper reporting, failure to properly investigate a dispute, and resulting financial harm caused by Bank of America, XXXX, XXXX and XXXX XXXX XXXX. 
Nearly XXXX years ago, I reported a transaction connected to my Bank of America checking account as fraudulent. Bank of America initially issued a credit, confirming the charge was unauthorized. Later, without presenting evidence, they reversed the credit and closed my account. The incident occurred years ago, so I no longer have access to the original correspondence with Bank of America. 
The core issue is that Bank of America only recently reported the account as unusual activity to XXXX, XXXX XXXX XXXX, and XXXX, despite the matter occurring years ago. This delayed reporting is now preventing me from opening new bank accounts. I was never notified that Bank of America intended to report me, nor was I given an opportunity to dispute the information before it was furnished. 
I believe this violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX ( b ) : Duty to report accurate, verified information FCRA XXXX ( b ) : Duty to investigate disputed information FCRA XXXX : Right to dispute and have unverified information removed It may also violate the Fair Credit Billing Act ( FCBA ), which requires : Proper investigation of disputed charges Documentation supporting creditor findings No negative reporting unless a charge is proven valid Bank of America has not provided proof that the charge was authorized. XXXX, XXXX XXXX XXXX and XXXX are now reporting an entry that is inaccurate, unverified, and outdated. 
I am requesting that the CFPB : XXXX. Require Bank of America to provide documentation proving the charge was authorized or retract their reporting. 
XXXX. Require XXXX, XXXX XXXX XXXX, and XXXX to remove the unverifiable entry immediately. 
XXXX. Ensure both parties comply with the reinvestigation timelines required by law. 
The continued reporting is causing significant and immediate harm, as I can not open new bank accounts. 
Thank you for your attention to this matter. I request expedited handling and written confirmation of the resolution. 

Sincerely, 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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX I used Venmo to transfer {$700.00} to XXXX XXXX XXXX of XXXX XXXX fishing charters for a fishing trip on XXXX. That evening at approximately XXXX, XXXX told me he had not reached payment. I contacted XXXX XXXX which had not received the transfer. The morning of XXXX VENMO PAYMENT XXXX XXXX ( my XXXX XXXX withdrawal XXXX XXXX XXXX {$700.00} was sent to Venmo. XXXX has never received payment even though, through numerous calls Venmo says it was received in XXXX 's account. I have spoken with XXXX Venmo reps and a supervisor to no avail. XXXX has also spoken to Venmo without any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MN

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ) and XXXX U.S.C. XXXX ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under XXXX U.S.C. XXXX ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX  CU Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX Account in Question : Creditor Name : XXXX  CU Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : 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 2025-12-08 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: KS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-08 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, I had a message from a man at D2 management stating he had important information to discuss. I called the number on my caller ID back at XXXX the same day and was greeted by XXXX XXXX XXXX She asked if my name was XXXX XXXX and then gave me my last 4 digits of my social. She did not ask me to verify them. She just offered them up not knowing if she was really speaking to me.

She then rattled off 2 debts, one I recognized and one I did not. One of them has been time barred and dismissed by a class action lawsuit. The second one I do not recognize and asked for a debt verification to be sent to me within 30 days. XXXX XXXX then told me she can verify it over the phone. I refused and told her it was within my rights as a consumer to ask for debt verification. She then started to yell telling me I was being " egregious, combative and aggressive '' and she would notate the account as no settlement reached. I asked her how I was being rude exercising my right to debt verification and she refused to acknowledge me after yelling at me. I ended the call letting her know I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am filing this complaint against XXXX  because they are reporting multiple inaccurate, harmful, and unauthorized items on my credit file, and these violations have already caused serious financial damage and emotional distress. XXXX  is reporting XXXX completely false addresses, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, both of which I have never lived at or been connected to in any way. These wrong addresses show XXXX  is not maintaining accurate identifying information as required under FCRA 607 ( b ) and this file-mixing is unacceptable. XXXX  is also reporting several late payments that never occurred, including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$3100.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$3300.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$26000.00}. I was never late on any of these accounts and these false derogatory marks are direct violations of FCRA 602 ( a ), 607 ( b ), and 611 because XXXX  is reporting inaccurate information and has not obtained proper verification. XXXX  is also reporting a charge-off from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$950.00}, an account that is not mine and that I have never opened or had any association with. This is either fraudulent or incorrect information, and XXXX  is required under FCRA 611 and 609 ( a ) to provide proof of ownership, which they can not, meaning the account must be deleted. Additionally, XXXX  is reporting multiple unauthorized hard inquiries that I never approved, including XXXX Card on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX  on XX/XX/XXXX XXXX and Fingerhut/Webbank on XX/XX/XXXX. These inquiries were made without permissible purpose in violation of FCRA 604 ( a ), and XXXX  has failed to remove them even after dispute. All of these issueswrong addresses, false late payments, fraudulent charge-offs, and unauthorized inquiriesshow a complete failure by XXXX to comply with their obligations under FCRA 602 ( a ), 607 ( b ), 609 ( a ), and 611. These violations are harming my credit score, preventing me from accessing credit, and causing significant stress. I am requesting the CFPB to require XXXX  to fully reinvestigate every disputed item, delete all unverifiable and inaccurate information, provide the method of verification for anything they attempt to retain, and force XXXX  to comply with all federal reporting requirements. I also request penalties for their negligence and the ongoing harm their inaccurate reporting has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am filing this complaint because multiple accounts and inquiries are being falsely reported on my credit reports by the credit bureaus and several furnishers. These accounts do not belong to me, were never authorized, and no creditor has provided any documentation or validation. I have suffered serious harm including credit denials, financial loss, and emotional distress. I requested verification under the FCRA, but none of the furnishers or bureaus have provided proof. The following accounts are inaccurate, unverified, and must be investigated : XXXX XXXX XXXX XXXX Charge Off ISSUE : I have never financed any vehicle or loan with XXXX XXXX. I have never applied with them, never signed any documents, and never received any account statements. Reporting a charge-off without providing any evidence of my authorization is a serious violation of FCRA 607 ( b ) for accuracy and 609 ( a ) for verification. If you can not produce a loan contract and the original application, this account must be deleted.

I am requesting the CFPB to investigate all the above furnishers and credit bureaus for violating FCRA 602, 607 ( b ), 609 ( a ), and 611 by reporting accounts without verification and failing to provide proof when disputed. I want all unverified, inaccurate, and fraudulent items deleted immediately from my credit report.

Requested Resolution : Full investigation, removal of all fraudulent/unverified accounts and inquiries, and enforcement action against companies failing to comply with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair 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 2025-12-08 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
The following accounts on my TransUnion credit report contain inaccuracies. I request that these accounts be investigated and removed if they can not be properly verified. 

Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I requested proper validation for a {$550.00} debt. Midland Credit Management responded only with billing statements, which do not satisfy the verification requirements under 15 U.S.C. 1692g.

Midland also continues to report this debt to the credit bureaus without proper validation, which may violate 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1681s-2 ( a ) ( duty to report accurate information ).

Their response did not include itemized details, documentation showing how the amount was calculated, or proof they have the right to collect the debt. This is causing continued harm to my credit.

Company response to consumer: Closed with explanation