vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX 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 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 2025-12-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I prepaid for a car rental through XXXX using my Citibank credit card. When I arrived at the rental location ( XXXX ), the company had no vehicles available and could not provide the service I paid for. 
I disputed the charge as service not rendered. Citibank initially issued a provisional credit but later reversed it after accepting the merchants non-refundable policy. 

A non-refundable policy does not apply when a merchant fails to provide the contracted service. I did not cancel or no-show ; I arrived and was refused service due to lack of availability. 
I am requesting Citibank correct this error and honor consumer protections under the Fair Credit Billing Act. 

The car rental was scheduled from XX/XX/XXXX though XX/XX/XXXX. The XXXXXXXX XXXX XXXX  was booked as part of a XXXXXXXX XXXX XXXX XXXXXXXX did not itemize or separately disclose the specific dollar amount allocated to the rental car portion of the charge. As a result, the exact rental car amount is not available. However, the service itself was not provided because the rental company had no vehicles available at pickup. The amount I am seeking is what it cost me to rent the car because XXXX was not able to provide the service I paid for. {$340.00} is the amount.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am attempting to improve my XXXX XXXX to obtain a loan. I requested JPMCB to remove a XXXX late remark from XXXX of XXXX. It is my only negative remark with that account which has been open since XXXX of XXXX. Please help me remove this mark, to improve my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes. 
CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : ITEMS REQUIRING CORRECTION 1. Incorrect Name Variation Currently Listed : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Correct Legal Name : XXXX XXXX XXXX Consumer Note : This variation has never been associated with my identity and is creating unnecessary risk of misidentification. I have enclosed a copy of my government-issued ID to verify my correct legal name. 
XXXX. Outdated Address Information Currently Listed : XXXX XXXX XXXX, TX XXXX Correct Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Note : My current residence is verified through the enclosed utility bill and bank statement. The outdated address must be removed to prevent confusion and inaccurate identity checks. 
FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that TransUnion : Conduct a reinvestigation of these disputed items within 30 calendar days, as mandated by federal law. 

Correct and update my personal information to reflect accurate, verifiable, and current data. 
Permanently delete any and all incorrect name variations from every file associated with my credit report. 

Provide me with written confirmation of all corrections, deletions, and updates made. 
Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved. 

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone number Recent phone bill verifying my current contact number

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 2025-12-29 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: NC

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 there 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OK

Complaint narrative:
I am formally disputing several tradelines appearing on credit reports that are inaccurate, outdated, misleading, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 



The disputed accounts include, but are not limited to : XXXX XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain reporting defects including : Excessive and unsupported potentially negative months Closed accounts reporting balances and utilization Balances not updated for multiple years Missing or unavailable utilization data Debt buyer reporting without proper verification Under 15 U.S.C . 1681e ( b ) and 1681i ( a ), Credit Bureaus are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. Any information that can not be verified as accurate, complete, and timely must be 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 non-monetary relief
Consumer complaint received 2025-12-29 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: OK

Complaint narrative:
I am formally disputing several tradelines appearing on credit reports that are inaccurate, outdated, misleading, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 



The disputed accounts include, but are not limited to : XXXX XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain reporting defects including : Excessive and unsupported potentially negative months Closed accounts reporting balances and utilization Balances not updated for multiple years Missing or unavailable utilization data Debt buyer reporting without proper verification Under 15 U.S.C . 1681e ( b ) and 1681i ( a ), Credit Bureaus are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. Any information that can not be verified as accurate, complete, and timely must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
This issue is with acima leasing furniture I owe XXXX I have already been paying biweekly in the amount of approximately XXXX since XX/XX/year> I have been slow to making payments due from job layoff but have still making minimum payments and now they have threatened me with forcibly coming to make House to remove my possession furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lincoln Financial Services
State: VA

Complaint narrative:
Lincoln Financial has been failing to process a XXXXXXXX XXXX XXXX XXXX rollover for nearly XXXX months. 

I initially requested the rollover on XX/XX/XXXX and the original check XXXX was issued on XX/XX/XXXX. 

They cancelled the original check due to an error on their side but didnt notify me until XXXX weeks after issuance. The reissue took XXXX weeks total. The original check also did not include the payment detail ( listing the required information such as plan type, original plan year, tax basis, etc ). Apparently Lincoln just sent a XXXX check out with no backup documentation. 

Apparently the new check XXXX ( issued XXXX weeks later ) was for the same amount as the original and also did not include any of the documentation about the source of the funds, tax base, year of the account, in a Payment Detail, Withdrawal Documentation. I have tried to describe this documentation to Lincoln personnel multiple times to multiple individuals I have called Lincoln multiple times seeking this documentation ( XX/XX/XXXX, XXXX, and twice on XX/XX/XXXX ) and I have been misled or lied to about the documentation that Lincoln could provide. To paraphrase, I have been told : XXXX. " we dont provide that kind of documentation for this account, that is a XXXX ( b ) plan requirement XXXX you will have to wait for your XXXX XXXX. I was provided my original withdrawal paperwork which neither ties to the check, nor describes the other required information # XXXX and XXXX of which are personnel lying to customers. # XXXX is a training failure. 

My new employers XXXX personnel have tried to reach Lincoln and been unsuccessful in getting this information out of Lincoln. I also emailed the plan administrator XXXX XXXX from XXXX based out of XXXX XXXX and what he provided from Lincoln is still not enough ( missing the check number to connect the detail to the check ). It is worth noting that the multiple people I have spoken to at Lincoln havent given me even remotely the level of documentation that XXXX was able to get which speaks to the general support that an average person can reach. 

The bottom line is Lincoln Financial has had a rollover in process for nearly XXXX months and failed to provide documentation with a check ( twice ), delayed a reissue for XXXX weeks, has lied to me about the documentation to back up the check and has generally been unhelpful and unresponsive, so unfortunately this is my next step. 

The account number with Lincoln is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
I am submitting this dispute for the accounts listed below. Please review the information for accuracy and provide a response in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that any inaccurate information be corrected or removed from my credit report. 

I am disputing the following account and inquiries listed under TransUnion. Please investigate and update my credit report as needed. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
They put it on my credit bureau and it wouldn't show me my original signature on the contract that they possess know my payment history on the contract that they persist and they constantly call me and email me over and over again every other day sometimes everyday

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX, I discovered, through an XXXX XXXX credit reporting monitoring service, that my Bank Of America credit card was past due and reporting as delinquent on my credit report. The account was enrolled in autopay and had been for years. When the delinquency was discovered, I paid the bill immediately and re-enrolled in autopay. This is evidenced by my XX/XX/XXXX statement showing the amount that was to be paid via autopay. For a second time, Bank of America silently dropped my autopay enrollment and failed to send me a notification. In XXXX, the account went delinquent due to overdue payments and I again discovered this through XXXX XXXX credit monitoring service. I called Bank of America and spoke to XXXX escalations team members to request immediate removal of the false and unfair credit reports due to Bank of Americas failure to process autopay payments. Bank of America refuses to acknowledge their failure and refuses to adjust my credit report that was impacted due to their predatory practices. The bank and their escalations team members state that a statement balance is notification but they fail to acknowledge the purpose and use of autopay is to ensure timely payment of their credit card bills, which Bank of America fails to uphold.

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 2025-12-29 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:
I am disputing the following accounts that are inaccurately reported on my Experian credit report : XXXXXXXX XXXX XXXX  Account ending XXXX, opened XX/XX/XXXX, balance {$9400.00} XXXXXXXX XXXX XXXX Account ending XXXX, opened XX/XX/XXXX, balance {$6000.00} XXXXXXXX XXXX XXXX Account ending XXXX, opened XX/XX/XXXX, balance {$4500.00} Inquiries : I am disputing the following inquiries that I did not authorize or do not recognize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Accounts : Please verify the following accounts as accurate : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I request removal or correction of any inaccurate information.

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 2025-12-29 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 : XXXX. 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. 
XXXX. 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? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. 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 2025-12-29 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: 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 : XXXX. 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. 
XXXX. 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? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. 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 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 2025-12-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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