vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX To : ChexSystems , Inc. 
Attn : Consumer Relations XXXX. XXXX  XXXX XXXX, MN XXXX Subject : Violation of 15 U.S.C. 1681c-2 Failure to Comply with Legally Compliant Identity Theft Dispute To Whom It May Concern, This letter serves as a formal and final notice that you are in violation of federal law specifically, 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act for failing to block and permanently delete all information related to a legally compliant identity theft dispute within four ( 4 ) business days of receiving my documentation and written request.

You were provided with all necessary materials to verify my dispute under federal requirements, yet you have ignored, delayed, or refused to comply. This conduct constitutes willful noncompliance with federal consumer protection law. 
I am now demanding immediate and complete deletion of all disputed and unauthorized information from your system. Failure to do so within five ( 5 ) business days from receipt of this notice will result in immediate escalation, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) ; Pursuing civil action in small claims or federal court for your ongoing violations ; Seeking statutory damages, actual damages, attorney fees, and court costs as permitted under 15 U.S.C. 1681n and 1681o.

This notice is your final opportunity to comply voluntarily before legal remedies are pursued. 
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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My Chase checking account was closed by the bank. I was told that the remaining balance, including an incoming wire transfer, would be returned to me. However, it has been several weeks, and I have not received the funds. 

The sender confirmed that the wire was successfully sent out and is no longer on their record. Chase confirmed that they have received the wire, but the funds have not been returned or credited to me. 

I have contacted Chase multiple times but have not received a clear resolution. Please investigate and assist in the return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/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 explanation
Consumer complaint received 2025-10-21 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: MO

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am disputing the accuracy of several accounts listed in my Experian file. Please reinvestigate and delete or correct any unverifiable data within 30 days as required by the FCRA. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late-payment history from 2025 appears inaccurate given modification status. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed account marked 120 Days Late. Balances differ among bureausplease verify or remove. 
XXXX. DEPT. OF EDUCATION / XXXX  Multiple Loans : Dispute resolved consumer disagrees notation is misleading ; delete or update to paid as agreed. 
XXXX. Any Associated Collection Item : Provide complete furnisher details and verification method under 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-21 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: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Dear CFPB Investigations Unit, I am submitting this formal complaint pursuant to XXXX U.S.C. XXXX and XXXX ( b ) regarding the ongoing reporting of inaccurate, incomplete, and unverified negative information within my XXXX consumer file. 

Despite the XXXX XXXX XXXX XXXX guarantee that consumer reporting agencies maintain maximum possible accuracy, XXXX continues to report data that challenges the volition of ownership, accuracy, and validity of multiple tradelines. These items fail to meet the reasonable verification requirements as outlined under FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). 

I request the CFPB to open an immediate investigation into XXXX failure to properly verify and delete disputed data, and to compel the following furnishers to provide ownership validation and lawful documentation of the alleged debts. Where no contract or legally binding consent is proven, these tradelines must be deleted in full.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> XXXX my phone lost service showing XXXX. I thougtht it was maintenance so I didn't overthink XX/XX/year> XXXX after I picked up my daughter from school, I received email alert that my online banking user name and password were updated. I couldn't login to my online banking XX/XX/year> XXXX I rushed to BOA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a manager helped me, he called their bank 's fraud department. we found that someone opened a digital debit card under my account. the manager closed the debit card and reissued a new one. we also found an unauthorized transaction in my checking account in the amount of {$1500.00} was transferring out. the fraud department opened a claim for that transaction. I told the manager that my phone number was hacked and requested to freeze my bank account. the email under my online account was not recognized and we updated the information. 
XX/XX/year> XXXX at BOA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I explained what happened yesterday and the banker printed out the transactions for me. more pending wire out transactions were listed. they call their fraud department and we found out the emial on my account was changed back to the fraud email. The banker on a recorded line from BOA fraud department was trying to update my information but the email was changed back to the fraud email address while we were speaking over the phone. they were shocked and had no idea. so we had to completely closed my online access. the banker in the XXXX loaction put a credit only on my account which I thought it was done by the banker at crenshaw location on XXXX, apparently they didn't which messed up everything. at mean time, someone was able to open a new digital debit card under my account. 
XX/XX/year> XXXX at BOA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the banker printed out the transaction again and all unauthorized transactions were posted. their fraud department reassured me that the claims were under investigation and the bank should send me a credit in 10 business days XX/XX/year> I called the claim department of BOA and I was told the claimed was declined, the reason will be sent by email. but the email address on their end was still the fraud email address. the bank system has a huge bug at this point. and there is a long list of debit card under my name. someone can open a new account once the bank closed one. this is non acceptable. 
to sum up, so far someone transferred {$12000.00} in total from my BOA account and I haven't had the money back. I did all I can to notify the bank for time matters. I need to get that money back to pay my kid 's tuition, and XXXX  and XXXX is coming along. 
please help!!!

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 2025-10-21 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: TX

Complaint narrative:
XX/XX/year> i had an increase of XXXX points with TransUnion the next day up till the XXXX they have decreased my score and added the negative remarks. they sent me a letter to my email from my online dispute saying that it was verified as accurate. I have sent the 3 dispute letters over the last 3 months as well and nothing has happened They are destroying credit, keeping me from obtain positive credit history, causing stress. My next step will be to sue.

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 2025-10-21 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:
After disputing errors on my credit report Transunion fail to reinvestigate this dispute properly. This letter is in response to your correspondence dated XX/XX/year>, regarding my previous dispute. Your response stated that TransUnion previously completed an investigation and is not required to reinvestigate the same item ( s ) unless I provide additional documentation. This response directly violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a consumer notifies a credit reporting agency of a dispute, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. Your refusal to reinvestigate without providing proof of verification from the data furnisher ( XXXX XXXX ) constitutes noncompliance with this section. 
Furthermore, 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) mandates that upon receiving notice of a dispute, the credit bureau must promptly provide notice of the dispute to the furnisher of the information, including all relevant information provided by the consumer. I have reason to believe that this was not properly done or that the verification process was incomplete, as you failed to provide evidence or documentation substantiating your claim that the information was verified. 
Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of information reported. Continuing to publish and report inaccurate, incomplete, or unverifiable information violates this requirement.

Finally, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) entitles me to receive the method of verification, including the name, address, and telephone number of the furnisher that verified the information. You did not provide any documentation from XXXX XXXX or any proof that the account was validated under the FCRAs strict standards. A vague statement that the item was verified is not sufficient under federal 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 non-monetary relief
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
Multiple accounts are appearing on my credit report under my name that I never opened, authorized, or managed. I have no knowledge of these accounts and did not consent to them being reported under my identity. Their presence is inaccurate, misleading, and damaging to my credit history, and it has caused me significant concern and disruption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Complainant : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX Complaint Against Capital One ( as Successor to XXXX XXXX ) This complaint is filed against Capital One, which has acquired XXXX XXXX, for continuing violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX consumer protection law. Capital One has assumed full responsibility for XXXX  ongoing false reporting, re-aging of a time-barred debt, and deceptive collection practices. 

Factual Background : Account : XXXX XXXX ending in XXXX. 
Confirmed Delinquency : XXXX  CFPB response ( XXXX XXXX, XXXX ) confirmed the last activity occurred XXXX XXXX, XXXX, and the account was charged off XXXX. XXXX, XXXX. 
Expired Statute of Limitations : Under XXXX XXXX Stat. 1-52 ( 1 ), the 3-year limitation expired XXXX. XXXX, rendering the debt uncollectible. 
Vacated Judgment : A 2XXXX default judgment was vacated XXXX. XXXX, XXXX, under Rule 60 ( b ) ( 4 ) ( void judgment ) due to improper service and enforcement of a time-barred debt.

False Re-Aging : Despite this, XXXX re-aged the tradeline to XX/XX/XXXX, creating false delinquency data. 
Executive Office Misconduct : XXXX Executive Office representative, XXXX, continues to assert compliance while disregarding Discovers own records, the vacated judgment, and the clear three-year statute of limitations.

Legal Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing false information ( re-aging ).

FCRA 1681s-2 ( b ), 1681i ( a ) : Failure to conduct a reasonable reinvestigation after dispute.

FDCPA 1692e ( 2 ) ( A ) & ( 10 ) : Deceptive representation of a time-barred debt as collectible.

FDCPA 1692f : Unfair or unconscionable means to collect a void debt.

N.C.G.S. 75-1.1 : Unfair and deceptive trade practices in commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My credit report contains inaccurate personal information. 
My correct legal name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX. 

The following names are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following outdated addresses should be removed : XXXX XXXX XXXX, XXXX, RI XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX XXXX XXXX, XXXX, RI XXXX I have attached a copy of my valid Rhode Island drivers license as proof of my correct legal name and address. 
Please update and correct my personal information under the Fair Credit Reporting Act ( 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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I am writing to formally request validation of the alleged debt you have claimed I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which provides me the right to request verification and detailed information regarding this debt before I take any further action.

Please provide the following information in writing : The name of the original creditor, including account number ( s ).

The amount of the alleged debt, including a detailed breakdown of fees, interest, or charges added. 

A copy of any signed agreement or contract showing that I am legally obligated to pay. 

The date and method by which this alleged debt was acquired or transferred to your agency. 

Proof that your agency is authorized to collect in my state ( Virginia ). 

The date of last payment or activity on this account. 

Until I receive the requested documentation, I request that you cease all collection activity, including phone calls, letters, or reporting to credit bureaus. 

Please note that under the FDCPA, continued attempts to collect a debt without providing verification constitute a violation of federal law, and I will not hesitate to report such activity to the Consumer Financial Protection Bureau ( CFPB ), Virginia Attorney Generals Office, and the Federal Trade Commission ( FTC ). 

I expect your full compliance and response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation