vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are continuing to report inaccurate and unverifiable information on my credit file, even after I have identified specific factual discrepancies that violate the Fair Credit Reporting Act ( FCRA 611, 607 ( b ) ) and Metro 2 reporting standards.

I have already submitted dispute letters to each bureau requesting a reinvestigation and proper verification of these accounts. However, the accounts remain reported in an inconsistent, incomplete, and misleading manner across all three credit bureaus. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as a collection account across all three bureaus with conflicting statuses.

Equifax lists the account as Deleted, while Experian lists it as Negative/Active, and TransUnion shows it as Deleted/Removed. 
The high balance ( {$940.00} ) and dates of first delinquency differ between bureaus, showing a clear lack of uniform data compliance under Metro 2 guidelines.

No original creditor validation or documentation has been provided to confirm the legitimacy or ownership of this alleged debt. 

XXXX XXXX XXXX XXXX Reported as a collection by TransUnion with a balance of {$1100.00}. 
The account lacks essential Metro 2 fields such as date opened, payment history, and account classification.

No supporting documentation from a data furnisher has been provided, making this account unverifiable under FCRA 611 ( a ) ( 1 ) ( A ). 

Outdated Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This personal address has been obsolete for several years, yet it continues to appear on both Experian and TransUnion reports.

Outdated or incorrect personal identifying information constitutes a violation of FCRA 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of consumer information.

The credit bureaus are reporting inconsistent data for the same accounts, which is a direct breach of Metro 2 compliance standards that require uniformity of data across agencies.

The bureaus have failed to obtain verification from original furnishers within the statutory period outlined in FCRA 611 ( a ) ( 1 ) ( A ).

The presence of obsolete or unverifiable information has caused harm to my creditworthiness and has hindered my ability to obtain fair credit terms.

Despite requesting validation and correction, no proper documentation or written confirmation has been provided to substantiate these accounts.

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 2025-10-24 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: FL

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are continuing to report inaccurate and unverifiable information on my credit file, even after I have identified specific factual discrepancies that violate the Fair Credit Reporting Act ( FCRA 611, 607 ( b ) ) and Metro 2 reporting standards.

I have already submitted dispute letters to each bureau requesting a reinvestigation and proper verification of these accounts. However, the accounts remain reported in an inconsistent, incomplete, and misleading manner across all three credit bureaus. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as a collection account across all three bureaus with conflicting statuses.

Equifax lists the account as Deleted, while Experian lists it as Negative/Active, and TransUnion shows it as Deleted/Removed. 
The high balance ( {$940.00} ) and dates of first delinquency differ between bureaus, showing a clear lack of uniform data compliance under Metro 2 guidelines.

No original creditor validation or documentation has been provided to confirm the legitimacy or ownership of this alleged debt. 

XXXX XXXX XXXX XXXX Reported as a collection by TransUnion with a balance of {$1100.00}. 
The account lacks essential Metro 2 fields such as date opened, payment history, and account classification.

No supporting documentation from a data furnisher has been provided, making this account unverifiable under FCRA 611 ( a ) ( 1 ) ( A ). 

Outdated Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This personal address has been obsolete for several years, yet it continues to appear on both Experian and TransUnion reports.

Outdated or incorrect personal identifying information constitutes a violation of FCRA 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of consumer information.

The credit bureaus are reporting inconsistent data for the same accounts, which is a direct breach of Metro 2 compliance standards that require uniformity of data across agencies.

The bureaus have failed to obtain verification from original furnishers within the statutory period outlined in FCRA 611 ( a ) ( 1 ) ( A ).

The presence of obsolete or unverifiable information has caused harm to my creditworthiness and has hindered my ability to obtain fair credit terms.

Despite requesting validation and correction, no proper documentation or written confirmation has been provided to substantiate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I applied for an American Express credit card through a specific referral link that clearly advertised a XXXX-point welcome bonus.

I was approved, activated the card, and met all spending requirements within the required timeframe. However, I received a much lower number of points.

When I contacted American Express on XX/XX/XXXX, I was told to wait 710 days for an update. When I followed up, I was informed that the case was closed and that the offer depends on credit worthiness.

At no point during the application, approval, or activation process was I informed that my creditworthiness would reduce the referral offer. My credit is excellent and I have a good history with Amex. 

I believe this is a misrepresentation of the referral offer and a failure to honor the terms that were advertised. I have already contacted Amex multiple times and was told that the case can not be reopened. 

I am requesting that Amex be required to honor the full referral bonus points as advertised or provide a clear written explanation citing the exact policy or terms that justify this reduction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Employer - XXXX XXXX XXXX  Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am being charged a {$95.00} annual fee on a credit card I believed was closed and have not accessed or used since 2020. The account was tied to a business that closed years ago, and I no longer have access to it. I was told by the issuer that they would investigate the issue. After receiving an email I suspected to be a phishing attempt or of the sort ( why would i have a {$200.00} balance for an account I don't know ) I reported it to Chase and they said it was legit email. They said that the credit card fee has been autopayed from an account that evidently was paying fees for a card that I wasn't using and is now drained and closed. I believe this fee is unfair and should be reversed, as I had no access or usage of the card for over five years, and the bank depleted that old business account and has already been paid for not doing anything. I've included the last 4 of the card number in the next section but I can't give the whole number because I don't know it, I only know last 4 from the secure message center they emailed me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am reporting an unauthorized credit card account with Bank of America showing a balance of {$1000.00} and charged off for {$1000.00}. The account was opened around XX/XX/year>, and later closed. 
I did not open or authorize this credit card account. I am a victim of identity theft, and someone fraudulently used my personal information to obtain credit. I have never received or used a Bank of America credit card under this account number. Despite previous disputes, the account remains incorrectly reported on my credit file.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I received an email notification from Bank of America informing me that I had been removed from XXXX. Therefore, I requested information from the bank over the phone. However, the only information I received during that call was that the bank had decided to close my account, without giving me any reason for this decision. It is worth noting that I was unable to access the amount of money in the account, as all account records I had access to through online and telephone banking were immediately deleted.

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 2025-10-24 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-24 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Employer - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I sent in my pictures lD an a letter stating this was not mines l had been fighting for this account be removed from my credit report an l have not been successful at all an this is very upsetting an frustrating l need for this account to be removed from my XXXX  immediately XXXX  is the name of the company an also the other company need to also be removed from my credit report its not mine XXXX XXXX XXXX XXXX for both accounts XX/XX/year>

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 2025-10-24 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: AR

Complaint narrative:
Upon a recent review of my credit report, I identified multiple inaccuracies that do not accurately reflect my financial history or obligations. These discrepancies, which include inaccurate address, late-closed accounts, charge-offs, and collection accounts, XXXX have been reported erroneously, incompletely, or without full verification. Such inaccuracies negatively affect my creditworthiness and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing these items and requesting a comprehensive reinvestigation. Each account listed below must be verified for accuracy and completeness. If any information is found to be inaccurate, incomplete, or unverifiable, it must be deleted immediately to ensure my credit report reflects truthful and verified information. 
XXXX XXXX XXXX XXXX XXXX XXXX NLR, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$37000.00} XXXX  XXXX * * * Balance : {$0.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$790.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * * Balance : {$2100.00}

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 non-monetary relief
Consumer complaint received 2025-10-24 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:
These are inaccurate items. They show as late payments.

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 2025-10-24 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Applied for loan on XX/XX/XXXX, and sent in numerous documents for next step as they describe it. Every time I request anything from NFCU, Im met with strict guidelines.

Previous loan, where and how did I get the large deposits from- five different documents sent in from my local bank stating that we had sold two rental properties in the same year. Along with numerous other crazy requests that they pulled up. Please look into my files from them. I felt that the materials from our bank directly to them should have been enough and that they discriminated against us because of the constant back and forth with all the same questions asked in a slight but different way. Overall still the same answer. 
Now this last time asking for HELOC, and denied two weeks later due to a XXXX point difference in my fico score that I feel should have been pick out right away before it went to underwriting after sending all my personal information to them. Now Im receiving all the loan request and was denied they heloc even though we have three times that amount in our home and weve never been late on any of the payments. We also have another home that has XXXX mortgage-approx {$300000.00}. NFCU stated they dont look at assets or income during this process of the loan. So I asked why did it take two weeks for them call me and they knew this from day one. They are XXXX and if you anyone reviews my record clearly it will show that we went above and beyond all qualifications to get approved for that loan and now to be denied of this one. This process needs to changed about the lack of credit is bad even thought my wife as the co-applicant has a XXXX fico score. They said they only take the lowest one, but Why did you ask For her info knowing that I didnt meet the XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurate and potentially unauthorized items on my credit report, including addresses such as XXXX XXXX XXXX, AK XXXX, XXXX XXXX XXXX # XXXX XXXX, AR XXXX, XXXX XXXX Gravel Ridge, AR XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX # A XXXX XXXX, AK XXXX, and XXXX Natural-and-State Health, along with accounts such as XXXX XXXX, Angels XXXX XXXX and XXXX balances of {$12000.00} and {$33000.00}. Despite my previous dispute, these items remain on my credit report, and I have not received any results or explanations from the credit bureau regarding their continued presence. This failure constitutes a violation of the reinvestigation and accuracy requirements under the Fair Credit Reporting Act.

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 2025-10-24 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurate and potentially unauthorized items on my credit report, including addresses such as XXXX XXXX XXXX, AK XXXX, XXXX XXXX XXXX # XXXX XXXX, AR XXXX, XXXX XXXX Gravel Ridge, AR XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX # A XXXX XXXX, AK XXXX, and XXXX Natural-and-State Health, along with accounts such as XXXX XXXX, Angels XXXX XXXX and XXXX balances of {$12000.00} and {$33000.00}. Despite my previous dispute, these items remain on my credit report, and I have not received any results or explanations from the credit bureau regarding their continued presence. This failure constitutes a violation of the reinvestigation and accuracy requirements under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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