vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
I am disputing the following charged-off accounts and inquiries on my Equifax credit report. These accounts may contain inaccuracies, and I request that Equifax conduct a thorough investigation of these disputes. 

Charged-Off Accounts : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} I request a complete account history and supporting documents to validate this charge-off. If no supporting evidence is provided, I request the immediate removal of this item from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$8300.00} Please provide a detailed account statement that reflects all payments, charges, and current status. If this account is found to be inaccurate or unverifiable, I request that it be removed. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I dispute this charge-off report due to the XXXX balance. Kindly provide verification or remove this inaccurate entry from my credit report. 

ONEMAIN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} I am requesting a full verification of this account. If it can not be verified or if the reporting is inaccurate, I request its removal from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NM

Complaint narrative:
I was the victim of a scam that convinced me to open an online store and make payments that turned out to be fraudulent. The scammer guided me through the process of setting up what I believed was a legitimate store and then told me I needed to transfer money to complete the setup. Following his instructions, I purchased XXXX ( XXXX ) through my U.S. Bank debit card and transferred it to the wallet he provided. In total, I lost approximately {$7700.00}. I realized it was a scam when I could not withdraw my money from the store and i asked him about and he said that I needed to transfer more money in order for me to access my money. 

I reported this fraud to U.S. Bank and filed a dispute. Initially, the bank provided provisional credit, but later I received a letter stating that they were reversing the credit for the first credit. I called to enquire ; I was told that they will be sending letters for the remaining claims as they will also be reversed because the transactions were considered authorized. This decision is unfair because I was manipulated and deceived by a scammer who took control of the process. I did not knowingly authorize fraudulent activity, and the banks decision left me with a large loss.

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 2025-11-07 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: NJ

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 ( XXXX ) 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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
over the last XXXX  days Ive been in constant communication with the XXXX support team. Numerous phone calls numerous emails all which leads the same answer. There is something wrong with your system and it is not acting as usual and they need to escalate the issue to a higher authority. however, each and every time I either get the same error message sent back or I do not hear back. I then call and explain all of this and they tell me that there is absolutely nothing that they can do other than escalate the issue again, and I once again receive the same outcome. I have tried closing the account. to which they reply with it can not be closed because there is an outgoing problem, and it needs to be escalated. it is a never-ending loop that I am stuck in and there is no corporate number or anything I can physically possibly do anymore. they even had me add money into the account and have somebody pay me to try and fix it which they are now holding that money to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Summary of Issue : Bank of America closed both of my personal checking accounts and labeled a recent deposit as fraudulent, even though the check was legitimate and issued by XXXX on behalf of XXXX XXXX, an official warranty and service partner of XXXX XXXX. I am being unfairly penalized for depositing a legitimate digital reimbursement check. 

Details : On XX/XX/year>, I deposited a digital check from XXXX through XXXX XXXX XXXX mobile deposit feature. This payment was for a XXXX XXXX warranty claim, and XXXX is XXXX authorized extended warranty XXXX ( see : XXXX XXXX XXXXXXXX XXXX 

A few days later, I received notice from Bank of America that my accounts had been closed for suspected fraud and that the deposited item was allegedly fraudulent. This determination is incorrect. The check was valid, properly issued, and verifiable directly with XXXX and XXXX XXXX. I have since obtained documentation from XXXX confirming the authenticity of the payment. 

I have attempted to XXXX Bank XXXX XXXX XXXX department multiple times to provide this verification and request review, but I have received no clear explanation or process for resolution. My accounts were closed without prior warning, and I was not given a fair opportunity to present evidence or appeal the decision. 


Supporting documentation I can provide : The original XXXX Protect claim confirmation. 

XXXX email containing the digital check. 

XXXX written verification confirming the checks legitimacy. 

XXXX confirmation from my Bank of America XXXX app. 

All correspondence with both XXXX and XXXX. 

Consumer Information : Name : XXXX XXXX Location : XXXX XXXX XXXX Bank : Bank of America XXXX of Incident : XX/XX/year> Account Type : Personal Checking/Savings Resolution Sought : Account reinstatement or correction of fraudulent determination ; confirmation no adverse reporting has occurred.

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 2025-11-07 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: IN

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these 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 2025-11-07 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccuracies being reported on my credit report. These inaccuracies are causing significant harm to my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Addresses Reported The following addresses are appearing on my credit report, and I have no connection or prior residence history at any of them : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address XXXX XXXX XXXX XXXX, KY XXXX XXXX Address These addresses are completely inaccurate. I have never lived at, used, or been associated with these locations in any capacity. I am requesting that these addresses be immediately removed from my credit report and from all associated consumer reporting agencies. 

XXXX. Inaccurate Account XXXX XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Original Balance : {$1000.00} Reported Issue : Late Payment This account is being reported with a late payment history, which is entirely false. I have never made a late payment to this creditor. The account payment history is being reported inaccurately and is damaging my credit profile. 
I am requesting a full investigation and immediate correction of this account to reflect an accurate payment history showing no late payments. 

XXXX. Account Verification Request XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} I am requesting verification and validation of this account. Please confirm that this account was accurately reported, properly verified, and belongs to me. If the creditor can not provide complete verification documentation as required under the FCRA, the account should be deleted immediately from my credit report.

Requested Resolution I respectfully request that the CFPB : Investigate the above-mentioned inaccuracies. 

Ensure that the credit reporting agencies remove all wrong addresses from my file. 

Correct the inaccurate late payment entry for XXXX XXXX XXXX. 

Verify or remove the account reported by Low Country Credit ( LOW CNTRY CR XXXX ). 

Provide a written confirmation of the outcome of this complaint. 

These errors are causing me serious distress and are preventing me from maintaining fair access to credit as protected 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 2025-11-07 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: CA

Complaint narrative:
Please treat this letter as my official request for the removal of the referenced accounts. They appear to be fraudulent, and I never authorized them. I request a thorough investigation, with documentation provided for review.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: MIDFIRST BANK
State: CT

Complaint narrative:
I sold my house XX/XX/year> but the funds haven't been allocated still states i own the house i have negative credit reports stating i am over XXXX  days behind i spoke to them and they said they are working on it but no one can tell me why the funds haven't been allocated i have been waiting months I've tried to be patient but I have had the worst experience ever with a financial institute Midland mortgage XXXX  XXXX ok 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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Made a mobile deposit on XX/XX/XXXX, which was accepted by the mobile app. Checked my account morning of XX/XX/XXXX deposit was in account. Then checked my account on XXXX and the deposit was no longer there. I contacted US bank, question where my funds were. They refused to tell me where the funds were and informed me that they closed my accounts and no longer wanted my business. US Bank refused to give me a reason. My accounts were never overdrawn, I never had an issue with fraud and maintained a good balance. I have never had a ticket, never been arrested nor committed any fraud on anyone. I have no idea why US Bank suddenly turned on me. The representatives just kept quoting their disclosures which stated they did not have to tell me anything. Meantime I am still missing my deposited funds. I have checked with the issuer and the funds have been taken from their account. This means US Bank has the funds and is refusing to give them to me. US Bank has in effect stolen my deposit.

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 2025-11-07 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts and late payment information reported to Equifax. Based on my review of the information provided, I believe there are discrepancies regarding the reporting of these accounts, which violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate and complete information. 

Charged-Off Accounts : XXXX Account Number : XXXX Balance : XXXX Date Opened : XX/XX/XXXX I believe this account contains errors. Please verify its reporting or remove it if it can not be substantiated under FCRA 607 ( b ). 

XXXX XXXX  Account Number : XXXX Balance : XXXX Date Opened : XX/XX/XXXX The information for this account appears incorrect. I request validation of this account, or its removal if the data can not be verified. 

Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX Please investigate this inquiry, as I believe it was either unauthorized or inaccurately reported. 

Late Payments : XXXX Account XXXX : XXXX I am requesting a verification of the late payment reported for this account. If the late payment is not verifiable, I request its removal under FCRA 607 ( b ). 

XXXX Account Number : XXXX Please investigate the late payment reporting for this account. If it is not accurate, I request it be removed.

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 2025-11-07 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: NY

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies in my credit report with the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX ( XXXX ), and TransUnion ( TU ). Below are the details of the disputed accounts that I believe to be incorrect, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). I respectfully request that these accounts be investigated and updated or removed accordingly. 

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 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief