vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I am filing this complaint to bring to your urgent attention serious and unlawful inaccuracies being reported on my credit file. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of these accounts is causing me harm, lowering my creditworthiness, and subjecting me to unjust financial damage. 

Disputed Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Reported High Balance : {$25000.00} Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Reported High Balance : {$100.00} Date Opened : XX/XX/XXXX Complaint Summary : These accounts are being reported inaccurately and unlawfully : Under the FCRA, furnishers of information are required to ensure maximum possible accuracy when reporting data. These accounts contain material errors, and their reporting violates 15 U.S.C. XXXX ( b ) ( duty of accuracy ). 

Additionally, if the debt is being collected by a third party, the FDCPA prohibits any false, deceptive, or misleading representation regarding the character, amount, or legal status of the alleged debt ( 15 U.S.C. XXXX ). 

The reporting of these inaccurate accounts without proper verification constitutes a violation of my rights as a consumer and is materially damaging my financial stability. 

Requested Action : I demand that CFPB immediately investigate these accounts and take corrective action by : Contacting the furnishers and requiring full documentation to prove the validity, ownership, and accuracy of the alleged debts. 

Removing or correcting any unverifiable or inaccurate information. 

Holding the furnishers accountable for violations of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report reflects collection accounts that I believe are inaccurate. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am requesting that these accounts be reviewed, and if they can not be properly verified, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I am filing this complaint because XXXX Bank has furnished false and misleading information, and TransUnion and Equifax have knowingly published it, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

This is not the first issue with this tradeline. In XX/XX/XXXX, I filed a CFPB complaint regarding this same account. At that time, XXXX responded that the account was corrected and carried a {$0.00} balance. TransUnion deleted the account, and the matter was represented as resolved. 

However, on XX/XX/XXXX, I personally witnessed TransUnions reporting change in real time. At XXXX XXXX, my XXXX-sourced report ( via XXXX XXXX ) displayed this account with remarks Paid by Collateral / Fixed Rate, consistent with a satisfied/neutral status. By XXXX XXXX the same morning, the same tradeline had been altered to read Charge-off / Account Closed by XXXX XXXX . I have screenshots proving both versions of the tradeline within this XXXX window. 

This demonstrates clear manipulation of my file. XXXX and TransUnion are reporting contradictory statuses without any reinvestigation, transparency, or reinsertion notice. Equifax has also re-reported the account with derogatory coding, compounding the damage. 

These actions violate multiple sections of the FCRA : XXXX ( b ) : Failure to ensure maximum possible accuracy. 

XXXX ( a ) : Failure to reasonably reinvestigate and correct reporting errors. 

XXXX ( a ) ( XXXX ) ( B ) : Reinsertion of derogatory information without required consumer notice within XXXX business days. 

XXXX ( a ) ( XXXX ) ( A ) : XXXX knowingly furnished false/misleading information after acknowledging correction in 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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive had my BOA checking account since I was XXXX. On XXXX there was a total of XXXX transactions of a MOBILE check deposit of {$500.00} each. Ive never wrote a check in my life as I am only XXXX XXXX XXXX. When I looked at the image of this so called check deposited, it was a picture of a picture with the check and a squiggly line as my signature. Which of course doesnt match my actual signature at all. When I realized this fraudulent issue happened I tried to appeal with Bank of America but they denied me any help. 
Now they are saying I owe them the return fees, because all those checks were returned. Now, I owe {$990.00} and my account is closed and no other financial institution will accept me as a client. I am beyond overwhelmed and need your help!!! 

Thank you for your attention.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had a Chime checking account. I was incarcerated on XX/XX/XXXX and was released XX/XX/XXXX. In this time, a XXXX XXXX ( along with her boyfriend ) stole my banking information, ( along with credit cards and car ) and hacked into my emails and checking account and stole my money. I was not able to report my bank account in fraud due to the facility refusing to allow me to make a report with the XXXX XXXX XXXX, so I did as soon as I got released. 
I started making calls to Chime on XX/XX/XXXX and reported fraud, to where they said that they would close my account and a closure check would be mailed to me. I was to receive and email from some mystery department that handles these matters to confirm my mailing address and this would be done within XXXX hrs. 
I have called at least 6x asking where is the email and where is the check. I've spoken to 6 different supervisors and they all go through the same garbage. They say that I should have received the email and the check by now, and that they take this serious and will escalate this so that this matter will be taken care of within 48 hrs. This game has went on for 3 weeks going on 4. Everytime, they ask me for my correct billing/mailing address for the check and Everytime I tell them, but the lightbulb went off and I figured why would I have to keep giving this information to 6 different supervisors if the first one updated my account from the first initial conversation. 
They ask me time and time over for me to sign in to my email, the one that was hacked into, and I explain that the people who did this went in and changed my passwords to emails and whatnot and I CAN NOT GET BACK INTO THEM, and you'd think this would be added in their notes, but it isn't. They ask the same simple questions every conversation and I'm tired of saying the same things. Again, this has been going on for almost a month. 
$ XXXX {$1400.00} was stolen. I made a police report on XX/XX/XXXX with the XXXX XXXX police. They never asked for this information. 
I've asked for the contact information from this mysterious team that handles fraud disputes and closure checks and the tell me there is no way to contact them, but they will contact me. There is no phone number, no email to contact them, but they will contact me via email, which makes no sense whatsoever! 
From what I was told, they were suppose to credit my account for what was stolen while they do this " investigation '' but that didn't happen either. 
I also have the file that shows the dates on when I was incarcerated to release date, they didn't want that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
I am formally invoking my rights under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), as a documented victim of identity theft and the Equifax data XXXX. This federal statute requires credit reporting agencies to promptly block and delete any information resulting from identity theft upon receiving proper notification. I am now exercising that right and demanding full compliance. The presence of fraudulent data on my credit report is not only unlawfulit is deeply damaging. I am currently in the process of purchasing a home, and this unresolved issue has triggered severe emotional distress, including XXXX and XXXX. The psychological toll is real and escalating, and I will not tolerate further delays. You are hereby instructed to remove all fraudulent items from my credit report within XXXX ( XXXX ) calendar days. Failure to act within this timeframe constitutes noncompliance with federal law and further exacerbates the harm already inflicted. Such negligence undermines the integrity of the credit reporting system and violates the protections afforded to victims like myself. I expect your full cooperation and a written confirmation once the deletions have been completed. Should you require additional documentation, I am prepared to provide it immediately. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX This is not a requestit is a legal demand. I trust you will treat it with the urgency and seriousness it warrants.

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 2025-09-09 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: LA

Complaint narrative:
Re : Identity Theft Failure to Block Fraudulent Information FTC Identity Theft Report Filed and Provided This letter serves as a * * formal notice and demand * * under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. I am a victim of identity theft and have filed an * * FTC Identity Theft Report * *. I provided this report to all three nationwide consumer reporting agencies. XXXX  has complied by removing all fraudulent accounts and updating my credit file. However, TransUnion andEquifax have failed to do so, in direct violation of federal law. 
* * Violations of Federal Law * * 1. * * 15 U.S.C. 1681c-2 ( FCRA 605B ) * * Upon receipt of an identity theft report, a consumerreporting agency must block fraudulent information within * * 4 business days * *. TransUnion and Equifax have failed to comply. 
2. * * 15 U.S.C. 1681i ( FCRA 611 ) * * Requires a reasonable reinvestigation of disputed information within * * 30 days * *. Neither bureau has completed this obligation despite sufficient evidence. 3. * * 12 CFR 1022.3 ( g ) * * Defines identity theft report as including an FTC Identity Theft Report, which I provided. 4. * * 12 CFR 1022.42 * * Requires procedures to prevent reappearance of blocked identity theft information.5. * * 12 CFR 1022.43 * * Requires furnishers and CRAs to investigate identity theft disputes promptly and accurately

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute the fraudulent accounts that are currently listed on my credit report. These accounts are not mine, and I never authorized them. Their presence is entirely inaccurate and harmful to my personal and financial reputation.

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 2025-09-09 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: IL

Complaint narrative:
I am filing this complaint to formally dispute and report multiple inaccuracies that are being reported on my credit file. These errors are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and where applicable, the Fair Debt Collection Practices Act ( FDCPA ). The reporting agencies and furnishers are failing to ensure maximum possible accuracy of the information they report, which is causing me significant harm. 

The following accounts are in question : XXXX XXXX XXXX  High Balance : {$25000.00} | Date Opened : XX/XX/XXXX XXXX XXXX  XXXX High Balance : {$100.00} | Date Opened : XX/XX/XXXX These accounts are being reported inaccurately and are not verified with proper documentation as required under federal law. Reporting such accounts without sufficient proof of accuracy violates FCRA 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy, and FCRA 1681i, which requires proper reinvestigation of disputed information. 
Additionally, if these accounts involve collection activity, the reporting party may also be in violation of the FDCPA 807, which prohibits false or misleading representations of debt. 

Because of these inaccuracies, my creditworthiness and financial opportunities are being unfairly damaged. I am requesting that the CFPB investigate these violations, compel the furnishers and credit reporting agencies to provide proper documentation, and ensure that unverifiable or inaccurate accounts are permanently deleted from my credit report.

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 2025-09-09 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A repossession entry appears on my credit report that I believe is inaccurate or unverifiable. Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to a fully accurate credit report. I request a thorough investigation of this repossession record, and if it can not be validated, I ask that it be deleted from my report.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must only reflect information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, they should be corrected or 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 2025-09-09 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: MD

Complaint narrative:
On or around XX/XX/year>, someone started to fraudulently charge/take money from my business checking account I have with Bank of America for my business XXXXXXXX XXXX XXXX XXXX The total amount of money taken from my account was {$8000.00}, spanning several different charges taking place from XX/XX/year> until XX/XX/year>. I promptly reported these fraud charges to Bank of America via fax as they requested, and I know they received my fraud dispute because I then received letters in the mail telling me that 2 things that I already knew. The first thing, was that some of the charges has " not gone through '' in some sense, and had been returned. That's fine and all, but that was only some of the charges. Based on my accounting AND the letters they sent me, there was still {$4500.00} that was missing my account that DID GO THROUGH to this fraudulent source by whoever was taking my money from me. The letter I received around mid XXXX said that these remaining charges totaling the {$4500.00} that were successful, would be investigated and pulled back from wherever they went, and I would have my money back within 60 days. It has now been 5 months since that point ( well over 60 days ) and a good 60 days at least since I last followed up with them. I again sent them a fax detailing the issue and that I had no received any sort of update, and they still have not even sent me a letter in the mail or anything detailing the fraud claim and the resolution if there ever even was one... 

They completely dropped the ball, let someone steal {$4500.00} from me, and never even sent me any sort of final word on if they investigated it even. Terrible service and a huge red flag for anyone thinking about using them as a bank.

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 2025-09-09 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: MD

Complaint narrative:
While reviewing my credit report, I was alarmed to find multiple entries that do not accurately reflect my financial history. As someone who meticulously monitors accounts, pays bills on time, and keeps careful records, I take these discrepancies very seriously. These inaccuracies are affecting my creditworthiness and are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which guarantees consumers the right to accurate reporting and the ability to dispute information that is incomplete, inaccurate, or unverifiable. XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief