vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation V ( Metro-2 ). I request a full investigation and removal of any entries that can not be verified with proper documentation. 
Accounts in Dispute XXXX. XXXX XXXX XXXX {$3600.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( inaccurate reporting ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ). 
XXXXXXXX XXXX XXXX XXXX  {$1800.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( inconsistent payment history ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ) ; Reg V ( Metro-2 ) ( failure to comply with proper account status fields ). 
XXXXXXXX XXXX XXXX XXXX  {$770.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( incorrect payment history ) ; FCRA 623 ( b ) ( 1 ) ( C ) ( failure to correct inaccuracies after being informed ). 
XXXX XXXX XXXX XXXX$5900.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( data discrepancies across bureaus ) ; FCRA 611 ( a ) ( failure to verify ) ; FDCPA 807 ( 8 ) ( false representation of debt status ). 
XXXX. XXXX {$4900.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( failure to ensure accuracy of account status ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate after dispute ). Legal References & Basis for Dispute 1. FCRA 607 ( b ) : Requires that the credit reporting agency maintain maximum accuracy in reporting and rectify any incomplete information.

2. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to perform a reasonable investigation after a dispute and correct or remove the data if it is found to be inaccurate.

3. FCRA 623 ( b ) ( 1 ) ( C ) : Requires furnishers to correct any inaccurate information within 30 days after being notified of a dispute.

4. FDCPA 807 ( 8 ) : Prohibits collectors from reporting false or misleading information about a debt.

5. Reg V ( Metro-2 ) : Mandates that CRAs must report accurate status codes and update account information following dispute resolutions.

Data Breach Notice Given the previous data breaches affecting Experian and other agencies, my personal information may have been exposed. This may have resulted in inaccurate reporting on my account ( s ). Please confirm whether my information has been compromised. Under FCRA 602 ( a ), you are required to ensure that my data is not only accurate but also secure.

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 2025-10-31 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I deposited {$1200.00} in various bills at XXXX at the chase ATM. While the deposit was processing an error message popped up in the screen indicating that if my deposit didn't go through to call the number on that screen, this happened at approximately XXXX. I called the number on the screen immediately afterwards and the call center opened up an investigation and credited my account. On XX/XX/XXXX, the credit of {$1100.00} was withdrawn from my account. I called on XX/XX/XXXX at XXXX am, and spoke with a woman ( XXXX ) she told me that the investigation had closed and they only found that I had deposited {$41.00}. I asked her if they were able to provide me with the information they obtained and she very rudely told me there was nothing she can do about it and if I wanted to move forward I would have to provide and submit proof of the initial deposit. I asked what proof I would be able to provide and she told me that was up to me to obtain. After speaking with her I asked for a supervisor, she transferred me to a man who said he was the supervisor ( XXXX ). After explaining the problem he told me he would open up a second investigation and file a complaint. I also asked if he would be able to provide me the information from the first investigation because I wanted to understand where in their findings they only found {$41.00} dollars. He told me he " could try ''. I told him I needed that information and he told me they will get it to me when they get to it. I then asked for a provisional credit as I was given one the first time and he told me only Chase could provide that for me. On XX/XX/XXXX, at XXXX I went to the chase that I had originally deposited the money at. The vice president let me know there was nothing she could do but she was able form a complaint to speed along the process of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX : Contacted by XXXX XXXX of XXXX regarding alleged dispute. Contacted the provider who confirmed the statement provided by the debt collect was not accurate - the medical provider confirmed that I did not have the insurance or address listed on the statement. I provided this information verbally via phone & the dispute was successfully resolved. 
XX/XX/XXXX : Contact by XXXX XXXX, representing CF Medical LLC, regarding the same alleged debt. I verbally provided the same information regarding the reason the original statement was fraudulent. In a letter dated XX/XX/XXXX, XXXX XXXX recognized the successful dispute and statement the account was closed and returned to their client XXXX XXXX XXXX. 
XX/XX/XXXX : XXXX by Capio XXXX representing XXXX XXXX XXXX, attempting again to collect the same fraudulent debt that had already been successfully disputed in XXXX and XXXX. I called and verbally provided the same information disputing the debt and followed with an email requesting documentation that provided they had the right to collect the debt. They provided no documentation other than the fraudulent account statement in a letter date XXXX. 
XX/XX/XXXX : I emailed Capio XXXX again disputing the debt and providing them with the previous collection attempts and the successful dispute letter from XXXX XXXX on behalf of the same creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law. 
Equifax : XXXX. Account : XXXX XXXX XXXX XXXX ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection - Installment o Balance : {$3700.00} o Date Opened : XXXX o Issue : This account was placed in dispute and is now being reported as resolved. 
However, I believe it is being reported inaccurately. 
o FCRA Violation : Incomplete or inaccurate reporting under 1681e ( b ). Please verify and update this account to reflect the correct status. 
XXXX. Account : XXXX XXXX  ( Collection - Installment ) o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection - Installment o Balance : {$100.00} o Date Opened : XXXX o Issue : This account shows as under dispute with reinvestigation in progress. The status does not reflect my records correctly. 
o FCRA Violation : Failure to provide accurate information under 1681i ( a ) ( 1 ) ( A ).

This account must be updated. 
XXXX. Account : XXXX o Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Closed o Balance : {$0.00} o Date Opened : XXXX o Issue : The balance is shown as {$0.00}, but there are significant discrepancies in the reporting of payment history and past due status. 
o FCRA Violation : Reporting of inaccurate information under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). 
XXXX. Account : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Closed o Balance : {$0.00} o Date Opened : XXXX o Issue : This account was closed by the consumer, but it still shows as delinquent. 
o FCRA Violation : Failure to report accurate information under XXXX ( b ). Please ensure this is corrected. 
XXXX. Account : XXXX XXXX o Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Open o Balance : {$160.00} o Date Opened : XXXX o Issue : The account is being reported under dispute, but it shows as in good standing despite reported late payments. 
o FCRA Violation : Failure to accurately report late payments under 1681i ( a ) ( 1 ) ( A ). Please update the payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account has been charged multiple times. My mailbox has been broken into several times, and my police complaints have not been taken seriously. The amount withdrawn is {$1800.00}. About three weeks ago, I filed a dispute, and three days later I was told that the amount would be credited to my account. However, when I called the customer service representative three days later, they told me they were waiting for the dispute process and that the previous information was incorrect. On XX/XX/XXXX, even though the dispute was rejected, they said they would credit my account for this amount. Today, when I called again, they apologized and said the information given before was incorrect. The dispute was rejected, and now they asked me to send a fax. I can not believe this style of communication in XXXX. I have a dental infection and can not go to the hospital. Right now, I also do not have a fax machine, and they are telling me I will have to wait 90 days while apologizing again. I am very frustrated with this system and the way Bank of America has treated me. I do not know what to do now. Being a foreigner in the United States is incredibly difficult! Everyone is trying to take advantage of the situation.

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 2025-10-31 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: SC

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate and unauthorized items appearing on my credit report. These inaccuracies are causing significant harm to my credit reputation and must be investigated immediately. 

XXXX. Incorrect Personal Information : The following addresses listed on my credit report are not mine and should never have been associated with my credit file : XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have no connection to these addresses. Their presence suggests either mixed credit files or reporting errors that must be corrected immediately. 

XXXX. Unauthorized Credit Inquiries : The following hard inquiries were reported without my knowledge or consent : XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2025 XXXX XXXX XX/XX/2025 I did not authorize any credit applications or inquiries with these institutions on the listed dates. These inquiries are damaging my credit standing and appear to be a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that inquiries must have a permissible purpose and my express consent. 

Requested Resolution : I respectfully request that the CFPB investigate these issues and ensure the credit bureaus and data furnishers : Permanently remove the incorrect addresses from my credit file. 

Delete the unauthorized credit inquiries immediately. 

Provide written confirmation once the corrections have been made. 

These inaccuracies constitute serious violations under the FCRA, and I expect prompt corrective action to restore the integrity of my credit report. 

Thank you for your time and assistance. I trust the CFPB will take the necessary steps to ensure my consumer rights are upheld.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-31 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously disputed this charged-off account with all three credit reporting agencies ( XXXX, Equifax, and XXXX ) XXXX After the dispute process, the account was deleted from my credit reports. However, the same account has now been reinserted without proper written notice or certification of accuracy, which directly violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to this law, when a deleted item is reinserted into a consumers file, the credit reporting agency must : Obtain certification from the furnisher that the information is complete and accurate before reinsertion. 

Provide written notice to the consumer within XXXX ( XXXX ) business days after reinsertion, including the name and address of the furnisher. 

I never received any such notice from any of the XXXX bureaus. This demonstrates a clear failure to comply with federal law and the duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

The improper reinsertion of this charge-off account has caused measurable harm to my credit score and financial standing, including reduced credit opportunities and increased interest rates. I am requesting the CFPBs assistance to investigate and enforce compliance with the FCRA reinsertion and reinvestigation provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
On XX/XX/year>, I deposited {$100000.00} into my ETRADE account under the {$750.00} cash bonus promotion ( XXXX XXXX XXXX ), followed all instructions, but the bonus never posted. ETRADE refuses to credit it, and this appears to be a system error on their side ; Here is case XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I woke up and tried to login my chime account I couldnt it said my account being close so when I call them I was on the phone with an agent and he told me I close my account XXXX times and I said I did not I was sleep the agent had me to link my card to XXXX XXXX and add my funds from the account that was closing he had me to unlink my card and said add this card this is your new debit card which it was a lie after the fact now they keep denying my dispute of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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