vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CO

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and collections were opened or reported on my credit file without my knowledge or authorization. 

These accounts have severely damaged my credit and are not valid. 

I filed an identity theft report with the FTC ( Report # XXXX ) and submitted a police report to the XXXX Police Department ( Case # XXXX ). I also submitted formal disputes to the credit bureaus, attaching those reports along with proof of my identity and current address. 

Despite this, the accounts remain on my credit file. 

The fraudulent accounts include but not limited to : Credit cards, auto loans, apartments and personal loans falsely opened Collections for apartment leases and other charges I never authorized False inquiries & addresses I am now invoking my rights under FCRA 605 ( b ), which requires deletion of fraudulent accounts within 4 business days once a valid identity theft report is submitted. All required documentation is attached. 

If the bureau or data furnisher fails to delete these items promptly, I intend to escalate under FCRA 611 and 616 and pursue legal action if necessary.

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 2025-07-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and collections were opened or reported on my credit file without my knowledge or authorization. 

These accounts have severely damaged my credit and are not valid. 

I filed an identity theft report with the FTC ( Report # XXXX ) and submitted a police report to the XXXX Police Department ( Case # XXXX ). I also submitted formal disputes to the credit bureaus, attaching those reports along with proof of my identity and current address. 

Despite this, the accounts remain on my credit file. 

The fraudulent accounts include but not limited to : Credit cards, auto loans, apartments and personal loans falsely opened Collections for apartment leases and other charges I never authorized False inquiries & addresses I am now invoking my rights under FCRA 605 ( b ), which requires deletion of fraudulent accounts within 4 business days once a valid identity theft report is submitted. All required documentation is attached. 

If the bureau or data furnisher fails to delete these items promptly, I intend to escalate under FCRA 611 and 616 and pursue legal action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Hi XXXX, I hope this message finds you well. I am reaching out to express my frustration and seek assistance regarding an issue with an order I placed with a company called SP PAMO Design on XX/XX/year>. One of the boxes from this order has not been delivered, and this situation has become increasingly frustrating due to the lack of communication and resolution from XXXX and Citibank Credit Cards. 

To provide some context, I had ordered the XXXXXXXX XXXX XXXX and the XXXX XXXX, but unfortunately, I have only received one box with the tracking number USPS XXXX. The missing box, with the tracking number USPS XXXX, was supposedly left at the lockers. However, the truth is that it was never delivered, and it also doesn't fit in a locker. I have attached a picture of my building lockers, and as you can see, it is impossible for the missing box to fit in it. 

Additionally, I tried to open a claim with USPS, but since the insurance was not paid for, I am unable to do so. This has added to my frustration and has left me with no other option but to seek your assistance in resolving this matter.

Thank you for your attention to this issue, and I hope to hear from you soon with a 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 monetary relief
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Someone tried to scam me on venmo but because I didn't fall for the scam they reported me saying that I tried to scam them and I sent screenshots to venmo support and I called them and I explained everything that happened and they still said they're deactivating my account regardless and they won't let me withdraw the money that's in my account. I have {$1000.00} in that account and I need my money its all i have. I need it for my bills and my small children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On vacation in XXXX I used my Bank of America credit card on XX/XX/year> at a small souvenir shop in XXXX XXXX XXXX. I used my credit card to make a single valid purchase at 1 business in the amount of {$22.00} to purchase 3 bracelets. However, without my knowledge nor permission my credit card was also charged {$420.00} for a separate transaction that never took place. My brother-in-law was also a victim of fraud at the same business, however he was immediately notified by his bank, via text, and was able to reject the charge. I didnt receive any notifications from B of A for the {$420.00} charge but approx. an hour later did receive a B of A text for an attempt to charge {$510.00}. I rejected this charge. 

Upon returning home I filed a Fraud report with B of A. The 1st rep I spoke with said my claim should be resolved because it was entered into the system wrong. Over the next several weeks I spoke with several Fraud/ Billing agents who continued to point the finger elsewhere. Not only were they XXXX help but didnt obtain ALL relevant receipts to complete a thorough investigation. As a 30 year law enforcement officer who investigated many of these types of Fraud cases, the Fraud agents failed to request the {$22.00} receipt. While they did obtain a {$420.00} receipt it was a fake document. 

Although B of A failed to notify me in a timely manner of the {$420.00} fraudulent charge ( never received a text ), they did notify me within an hour of the {$510.00} attempted fraudulent purchase. Within an hour 2 fraudulent charges took place ( 1 caught & 1 not ) at the same business, which strongly suggests they stole my credit card information. This was the only business where I used my credit card that day. 

Although the last Fraud agent I spoke with said he would obtain the {$22.00} receipt, he did not and my claim was closed. As of today B of A is still holding me responsible for the fraudulent charges.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Account Numbers : XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX Bridgecrest for Inaccurate and Misleading Credit Reporting To Whom It May Concern, I am filing this complaint against Bridgecrest for repeatedly reporting inaccurate, incomplete, and misleading information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data furnishing standards. Despite my attempts to resolve these issues directly with Bridgecrest, the company continues to report the following concerning discrepancies : 1. Inconsistent and Conflicting Account Information Across XXXX XXXX XXXX XXXX, the account shows different balances, payment histories, and creditor contact details. 2. Missing or Inaccurate Date of First Delinquency ( DOFD ) The absence of this federally required field may result in unlawful re-aging of the debt. 3. Reporting of inaccurate Scheduled Payment Amount While the account remains open or shows recent activity, the scheduled payment is inaccurately listed. 4. Continuing to Report Negative Status Codes ( e.g., R or C ) Bridgecrest continues to report these monthly on accounts that are charged-off or repossessed, which may be misleading and designed to inflate derogatory impacts. 5. Creditor Contact Information Discrepancies Each credit bureau shows different names, addresses, and phone numbers for Bridgecrest, violating XXXX XXXX requirements for standardization and accuracy. These actions violate the following provisions of the FCRA : 623 ( a ) ( 1 ) ( A ) Reporting inaccurate or incomplete information 623 ( a ) ( 2 ) Failure to correct and update incorrect data 623 ( a ) ( 5 ) Failure to report accurate DOFD 623 ( b ) ( 1 ) Failure to conduct a reasonable investigation after disputes I am requesting the CFPB to launch a full investigation into Bridgecrests reporting practices and require them to : Remove or correct all inaccurate and unverifiable information ; Provide documentation supporting their reported data ; Comply with FCRA and XXXX XXXX standards going forward. Please contact me if you require documentation or further information to support this complaint. Thank you for your attention to this matter. I have contacted Bridgecrest with no response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am following up on my original complaint regarding inaccurate, outdated, and unverifiable items reported by Equifax. In my dispute, I specifically cited FCRA violations, including FCRA 611 ( a ) ( 7 ), and requested the Method of Verification for each item claimed as verified.

Equifax failed to provide this information and instead issued a generic explanation that did not address the specific items in dispute or their verification process. This response does not comply with the Fair Credit Reporting Act and ignores my legal right to receive verification details. 

I am requesting that the CFPB take enforcement action or provide direction on how to escalate this matter. I have sent a Notice of Intent to Sue and am prepared to take legal action if this is not resolved. Documentation of the violations and correspondence is available and can be uploaded upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is submitted to the Consumer Financial Protection Bureau as part of my identity theft case, supported by my FTC Identity Theft Report filed on XX/XX/XXXX. 

I have reviewed my credit report with Experian and discovered the following unauthorized inquiries that I did not initiate, approve, or authorize : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX These inquiries are the result of identity theft and are fraudulent. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681c-2, I am requesting their immediate removal from my credit file and the blocking of any related or derived accounts or access.

I have enclosed the following documents to support this request : - A copy of my FTC Identity Theft Report ( filed XX/XX/XXXX ) Please investigate and remove these inquiries promptly, and confirm removal in writing. 

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 2025-07-22 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 dispute the accuracy and legal standing of this charged-off account appearing on my credit report. I demand that it be deleted immediately for the following violations : - XXXX  is a debt buyer, not the original creditor, and must prove legal ownership of the debt through a complete chain of title, original signed agreement, and payment history which have not been presented. - Without this, the item is inaccurate, unverifiable, and incomplete, in direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). - The FDCPA 809 ( b ) further requires that XXXX validate this debt upon request, which has not occurred. - Additionally, if this account includes inaccurate dates, balances, or remarks ( e.g., incorrect charge-off dates ), it also violates FCRA 607 ( b ).

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Somebody got into my chime & try request XXXX to XXXX XXXX on XX/XX/XXXX it says pending request then same day try request XXXX to XXXX XXXX says XXXX for XXXX on XX/XX/XXXX unpaid request then XXXX was taken out my account by XXXX XXXX XXXX XX/XX/XXXX with caption saying XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information appearing on my credit report concerning an account with XXXX XXXX XXXX, which is currently listed as closed with a {$0.00} balance.

According to the report, this account reflects 30-day and 60-day late payments for XXXX through XX/XX/year>. However, the following issues appear to violate the Fair Credit Reporting Act ( FCRA ) and warrant immediate investigation : 1.Inaccurate Delinquency Timeline : The account was reported as OK in XX/XX/year>, indicating the account was current or paid. If the account was resolved in XX/XX/year>, the 60-day delinquency for that month is inaccurate. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting of false or misleading information.

2.Lack of Consistency Across Bureaus : All three credit bureaus report identical delinquencies for the same months, despite the status being Paid/Closed shortly after. This discrepancy is misleading.

3.Potential Re-aging or Misreporting : If this delinquency stems from prior missed payments that were resolved, it may represent re-aging of debt, which is prohibited under federal law. This would also improperly extend the derogatory reporting window beyond the legally allowed 7 years.

4.No Notification of Negative Reporting : If XXXX XXXX XXXX  failed to notify me within 30 days of reporting the negative information, that is a violation of FCRA 623 ( a ) ( 7 ).

5.Missing Dispute Notation ( If Previously Disputed ) : If this item had been previously disputed, it is not labeled as disputed by consumer, as required by FCRA 623 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation