vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: OH

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 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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Filed 4 disputes with Bank of America about the fraud claim. And provided proof I was involved of a phishing scam from a job offer I believed was legit and Provided screen shots. My status still says researching like always and when I call they tell me its denied. I would never know until each time I called. Last time I called the rep had the nerves to tell me they are not responsible for being a victim of a hacked account. I reported my fraud claim 30 days after I noticed I deleted the hard rock app and yet there was still money coming out of my account and then notified Bank of America. On second dispute when boa said they need proof if I was part of a a phishing scam I provided it. After XXXX dispute and provided everything they asked for they said they are not responsible for my account being hacked. Please help my resolved this situation. I reported {$3100.00} on XXXX with additional {$260.00} to it. Claim # is 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 2025-08-22 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: GA

Complaint narrative:
XXXX. XXXX XXXX XXXXXXXX XXXX late payments : 4 Delinquency type : 30 days past due Note : These late payments appear in XXXX and XXXX, despite consistent payments in recent months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments : 2 Delinquency type : 30 and 60 days past due Note : The account shows high utilization and two significant delinquencies, one of which is 60 days. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX late payments : XXXX Delinquency type : 30 days past due Past due amount : {$130.00} Last payment date : XX/XX/XXXX Note : The account is still open and currently past due as of XX/XX/XXXX. 

XXXX. XXXX Auto ( Active Account ) Reported late payments : XXXX Delinquency type : 30 days past due Last payment date : XX/XX/XXXX Current balance : {$39000.00} Note : Late payments are reported in XXXX and XXXX, despite recent payments being made. 

XXXX. XXXX XXXX XXXX XXXX ( Closed Account ) Reported late payment : XXXX Delinquency type : 30 days past due Last payment date : XX/XX/XXXX Note : The account is closed and paid, but the late payment remains on record. 

These five accounts are contributing to a FICO Score of XXXX, categorized as XXXX. If the payments were made within XXXX hours of the due date, they may not meet the threshold for being legally considered late under the Fair Credit Reporting Act ( FCRA ). You can use this breakdown to support a formal dispute or complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
XXXX. XXXX XXXX XXXXXXXX XXXX late payments : 4 Delinquency type : 30 days past due Note : These late payments appear in XXXX and XXXX, despite consistent payments in recent months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments : 2 Delinquency type : 30 and 60 days past due Note : The account shows high utilization and two significant delinquencies, one of which is 60 days. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX late payments : XXXX Delinquency type : 30 days past due Past due amount : {$130.00} Last payment date : XX/XX/XXXX Note : The account is still open and currently past due as of XX/XX/XXXX. 

XXXX. XXXX Auto ( Active Account ) Reported late payments : XXXX Delinquency type : 30 days past due Last payment date : XX/XX/XXXX Current balance : {$39000.00} Note : Late payments are reported in XXXX and XXXX, despite recent payments being made. 

XXXX. XXXX XXXX XXXX XXXX ( Closed Account ) Reported late payment : XXXX Delinquency type : 30 days past due Last payment date : XX/XX/XXXX Note : The account is closed and paid, but the late payment remains on record. 

These five accounts are contributing to a FICO Score of XXXX, categorized as XXXX. If the payments were made within XXXX hours of the due date, they may not meet the threshold for being legally considered late under the Fair Credit Reporting Act ( FCRA ). You can use this breakdown to support a formal dispute or complaint.

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 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-08-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding an inaccurate charge-off account being reported by XXXX XXXX to Experian. The account ( partial number : [ XXXX ] ) shows a balance of {$3600.00} with a last payment date of XX/XX/year>. 

This reporting violates the Fair Credit Reporting Act : 15 USC 1681i ( a ) ( 5 ) ( A ) : Requires inaccurate, incomplete, or unverifiable information to be corrected or deleted. The account lacks full verification and proper documentation.

15 USC 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy. Reporting this charge-off without proper validation is inaccurate and misleading. 

Additionally, I suffered a XXXX hardship, which should have been considered under CARES Act reporting protections. 

I request the CFPB to review this matter and require Experian and XXXX XXXX to either fully verify the accuracy of this account or delete it from my credit file. 

Thank you for your assistance

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 2025-08-22 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.
State: MI

Complaint narrative:
My chase bank account is gone and XXXX dollars is no longer in the account. I would like to know where the funds went. I would like it refund to me asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 requesting the deletion of these unauthorized accounts from my credit report. I did not approve their opening, nor was I informed about them. In line with USC 1681g, please remove them within 15 days. Supporting records are attached 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 2025-08-22 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 am disputing the accuracy of the following account appearing on my TransUnion credit file : Collection Agency : XXXX XXXX Original Creditor : Progressive Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Balance : {$160.00} Date Assigned : XX/XX/XXXX Date Account Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Status : Paid Scheduled to Remain Until : XX/XX/XXXX Issues with Reporting Contradictory Dates The account is reported as Closed on XX/XX/XXXX, yet also shows a Last Payment Date of XX/XX/XXXX. This is logically inconsistent and misleading. Once an account is closed, no payment activity should be reported. 

Paid Collection Still Reporting Negatively While the status is Paid, this account continues to be reported as a derogatory collection tradeline until XX/XX/XXXX. This misrepresents the current standing of the account and unfairly penalizes my credit profile. 

Failure to Meet Accuracy Standards Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the maximum possible accuracy of all information they report. Contradictory dates and negative reporting of a paid account violate this requirement. 

Under 15 U.S.C. 1681i, any disputed information must be reinvestigated and verified with documentation from the furnisher ( in this case, XXXX ). If such documentation can not be produced, the account must be deleted. 

Requested Action I demand that TransUnion conduct a reinvestigation of this account. Unless XXXX XXXX can provide complete and accurate documentation from XXXX proving the consistency of the reported dates and justifying the derogatory reporting of a paid account, this account must be deleted immediately from my credit file. 

Please provide me with written confirmation of the results of your investigation within the timeframe required by the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
I am filing this complaint against Citibank , N.A . regarding their denial of my chargeback request for counterfeit goods purchased through XXXX using my Citi XXXX card. 

Transaction Details : Date : XX/XX/year> Amount : {$130.00} Merchant : XXXX ( Transaction ID XXXX XXXX XXXXXXXX ) Account : Citi XXXX XXXX in XXXX Background : I purchased XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX sensors advertised on XXXX as XXXX XXXX parts. The listing specifically represented the items as authentic, using XXXX branding and packaging. 

Upon installation, my vehicles check engine light returned immediately. I brought the vehicle to XXXX, a XXXX service center in XXXX. XXXX is XXXX of the only independent shops in the state with access to XXXX  proprietary diagnostic software, and their certified technicians have factory-level training. Their diagnostic report explicitly states the XXXX  sensors are counterfeit and caused the diagnostic failures ( invoice attached, with portions regarding counterfeit nature of sensors highlighted ). 

Dispute with Citi : I submitted a dispute with Citi, including : XXXX XXXX XXXXXXXX listing showing the items as XXXX XXXX parts. 

XXXX  The invoice from XXXX diagnosing the parts as counterfeit. 

XXXX  Confirmation that I still possess the counterfeit items and can provide them for inspection. 

Despite this, Citi denied my claim on XX/XX/year> ( denial letter attached ), stating the information wasnt enough to support [ my ] claim. 

Why This Is Improper : Counterfeit Goods = Fraudulent Misrepresentation. Visas chargeback rules explicitly protect cardholders when counterfeit goods are sold under the representation of being genuine. This is not a quality issue it is fraud. 

Valid Proof Provided. The XXXX invoice is equivalent to an authorized dealers determination, given their XXXX diagnostic capability. Citis position that this evidence was insufficient is unreasonable.

Failure to Protect Consumer. Citis refusal effectively leaves me paying for counterfeit goods in direct violation of Visas protections and consumer rights. 

I am attaching the following documents : XXXX ) XXXX listing ( showing XXXX representation ). 

XXXX ) XXXX invoice identifying the sensors as counterfeit.

3 ) Citis denial letter.

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 2025-08-22 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: TX

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



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



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

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

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


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 



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



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

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

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


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

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 2025-08-22 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 
The following accounts are in dispute : XXXX XXXX XXXX  Docket Identifier : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1800.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Last XXXX digits SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate/Unverifiable Reporting of XXXX XXXX  Account Dear Equifax, I am formally disputing the accuracy and completeness of the First Premier account ( Acct XXXX XXXX XXXX XXXX XXXX XXXX currently listed on my Equifax credit report. This account is reported as a derogatory charge-off ; however, it does XXXX XXXX not appear on either my XXXX  or XXXX  reports XXXX 

This raises serious concerns about the accuracy, integrity, and verifiability of the information, as required by the Fair Credit Reporting Act ( FCRA ) XXXX XXXX 607 ( b ) : CRAs must ensure maximum possible accuracy. The presence of this account on only XXXX bureau makes the report inaccurate and misleading. 

XXXX 611 : I have the right to dispute unverifiable information. Equifax must reinvestigate and either delete the account or provide documented proof of accuracy. 

XXXX 602 ( A ) : Consumer reports must be fair and not misleading. Selective reporting of this account violates this principle. 
XXXX 623 ( a ) ( 1 ) ( A ) : A furnisher can not report information that is inconsistent or incomplete. If XXXX XXXX had verified this debt properly, it would appear uniformly across all CRAs. 

Because this account is not reported by XXXX  or XXXX, and because the furnisher has failed to provide uniform reporting, I request its immediate deletion from my Equifax file. 

If Equifax continues to report this unverifiable and misleading information, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore civil remedies under the FCRA. 

Please provide me with written confirmation within XXXX  days of the results of your reinvestigation.

Company response to consumer: Closed with non-monetary relief