vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NM

Complaint narrative:
I am filing this complaint because several accounts and inquiries are being reported inaccurately or incompletely on my Equifax credit report. I am requesting that Equifax conduct a full investigation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy and completeness of the information listed below. 

Charged Off Accounts XXXX XXXX Account # XXXX Date : XX/XX/XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX XXXX Account # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX These accounts are either inaccurately reported, incomplete, or unverifiable. Please verify each accounts ownership, date of first delinquency, charge-off status, and balance information. If Equifax can not verify them in full compliance with the FCRA, I request that they be deleted immediately. 

Inquiries XXXX Date : XX/XX/XXXX I do not recall authorizing this inquiry. Please verify whether permissible purpose and consumer authorization were obtained. 

Late Payment History XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Sparrow Financial, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I noticed around XXXX that there were ( XXXX ) unauthorized charges on my Sparrow Financial credit card. I called them and they stated I would have to wait for the funds to clear before I can put in a dispute. The funds were then clear on XX/XX/year>. I then filed for an dispute on all XXXX charges. Within a week or so Sparrow stated via email that they were unable to give me back my funds and I would be responsible for the full {$240.00} with little to no reasoning on why. The funds were taken from XXXX XXXXXXXX and there is no phone number to reach out to this place of business and Sparrow financial refuses to give me back my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-04 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) regarding multiple accounts that remain inaccurately reported and unverified on my credit report. These items were previously disputed, but the investigation results failed to include any verifiable documentation from the original creditor or furnisher confirming their accuracy.

Despite my prior dispute, the same accounts continue to appear with errors or unverifiable information, indicating that the previous investigation was incomplete or not conducted in compliance with FCRA requirements. The credit reporting company and/or furnisher has not provided original account-level evidence, billing statements, or signed agreements to substantiate the validity of these accounts.

The continued reporting of unverifiable information has negatively affected my creditworthiness and access to credit. I am now demanding that a full reinvestigation be conducted and that all unverifiable or inaccurate accounts be deleted immediately to ensure compliance with federal law and the accuracy of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year>, after using the credit card for YEARS in the same manner, Citi Bank closed my Double Cash card and removed the reward points I had earned for the month up to that point on nearly {$110000.00} worth of purchases for the month.

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 2025-11-04 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I'm XXXX, I made an international transfer with Wise, in dollars, on XX/XX/XXXX. The Wise app said the money would arrive in my account within 3 hours, but today is XX/XX/XXXX and nothing has arrived yet. I contacted Wise phone support on the XXXX and they told me it was a technical problem and that they were working to resolve it. I need this money ; it's my salary, I need to pay bills, buy food, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I inquired about an apartment for rent on XXXX  set so person sent me a text message and asked me if I was available to see it. I said yes, I could go later on that day so I did when I got to property I gave them a call. They answered. They told me the number to the lockbox on the door that had the keys inside of it it worked and it opened up and I went inside the apartment and looked at it with them on the phone then I had to pay a {$75.00} fee for an application on XX/XX/year> I sent the money through Chime then they got back a hold of me a day later and said I passed the background check and credit check and that I needed to put my security deposit down and my first months rent down. So on XX/XX/year> I sent XXXX dollars to that said person and then on XX/XX/year> I sent XXXX and then on XX/XX/XXXX I sent XXXX. Then was told that on Friday I would get the keys to said place then later on that evening I got a call telling me that there was a another charge that I needed to pay for {$100.00} and I thought it was weird so I drove over by the apartments and actually ran into one of the owners of the establishment and they told me that they had no recollection of me running that property and even called their office to even make sure. as soon as I found out that it was a scam I got on the phone with Chime and proceeded to tell them that they had 4 accounts that where scam accounts and that I wanted to file a fraud claim or a scam claim to get the funds reversed and they proceeded on to tell me that theres nothing that they can do for that and that I was out of luck and I had to send a request for the payment back in which I did and then I was hung up on multiple times and also was told that they wouldnt close the account down until the owner of the account closes it down and even knowing that they are scam and fraudulent accounts, and I even provided them with evidence of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Against Checkr , Inc. for Reporting Inaccurate and Premature Criminal Information To Whom It May Concern, I am submitting this complaint regarding Checkr , Inc., a background screening company that has reported inaccurate and incomplete criminal information to my employers, resulting in my loss of employment.

Specifically, Checkr has reported pending forgery-related charges as though they were finalized convictions. This information is * * premature, misleading, and incomplete * *, as the case has not yet been adjudicated or resolved in court. Under the Fair Credit Reporting Act ( FCRA ), background reporting agencies must ensure the maximum possible accuracy of the information they provide. Reporting pending charges in a manner that implies guilt or conviction violates these requirements. 

As a result of this inaccurate reporting, I have lost my employment and have suffered financial and reputational harm. This premature reporting has directly impacted my ability to work and provide for my family. 

I have attempted to dispute this information with Checkr and requested that they correct or remove the pending charges from my report. However, the inaccurate information continues to be circulated to employers.

I am requesting that the CFPB : 1. Investigate Checkr , Inc. for non-compliance with the FCRA.

2. Require Checkr to remove or properly label all pending charges without implying guilt or conviction.

3. Ensure that Checkr notifies all employers who received the inaccurate report and provides them with corrected information. 

My attorney, XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, can be contacted for further documentation or details regarding my pending legal matter. Their office phone number is XXXX. 

I am attaching copies of relevant documents, including my Checkr report, correspondence with the company, and evidence of my employment loss due to their reporting. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and holding background check companies accountable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a vehicle sale scam involving my XXXX XXXX. After realizing that this was a scam and payment for the vehicle was reversed after turning the vehicle over, I had immediately notified the police, insurance and bank. 

On XX/XX/XXXX, I submitted a fraud claim to Bank of America after being deceived in a vehicle sale scam involving my XXXX XXXX. I was misled into sending a total of {$2200.00}. Specifically, {$1200.00} and {$1000.00} on two separate occasions to an individual I believed was a legitimate buyer under a bill of sale agreement. After receiving the money, the person reversed the payment and took possession of the vehicle, leaving me without both the funds and the car. 

My initial claim was denied on XX/XX/XXXX, before I had the opportunity to provide all supporting documentation. I later submitted extensive evidence, including a police report, bank records, and text message threads proving that this was a fraudulent and deceitful transaction, not a merchant or buyer dispute. Despite this, my reconsideration was denied again on XX/XX/XXXX. 

Even my insurance company is treating this as a confirmed fraud and theft case, yet Bank of America has continued to classify it as a merchant dispute with insufficient evidence. The transaction was the result of deception and an unauthorized payment reversal, not a legitimate sale. I am requesting that the CFPB require Bank of America to reopen and reclassify this claim as fraud under Regulation E and reimburse me for my financial 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 2025-11-04 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-04 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-04 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: FL

Complaint narrative:
I had a car rental with budget, contract stated XXXX XXXX, I got charged XXXX. I filed for adjustment with the bank XXXX  times. They denied my case because I dont have the final receipt. I was never provided with XXXX, I tried checking for it at budgets website but nothing comes up. I asked for bank to provide me with their supporting documents of XXXX dollars transaction, they said they dont have none neither. I feel I am being mistreated, they support merchants side based on nothing. I think it might be way bigger problem than just me.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a claim for XXXX, i was told by a customer service representative ( XXXX ) that it wouldnt be refunded until XX/XX/year> I filed the claim on XX/XX/year>. I wasnt able to file the claim myself I had to call the bank. I believe the funds are being held due to the interest that the bank will gain.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am a XXXX  XXXX consumer whose only income is Social Security XXXX XXXX ( XXXX ). Beginning XX/XX/year>, I sent multiple certified letters to both Discover Financial Services and XXXX XXXX XXXX. ( the issuer of Discover-branded accounts ) notifying them of my indigent financial status and invoking protections under the Fair Debt Collection Practices Act ( FDCPA 1692c ( c ) ), the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ), and 42 U.S.C. 407 ( a ), which protects SSDI income from levy, garnishment, or collection. Despite confirmed USPS deliveries of my Cease & Desist / Hardship Notices Tracking # XXXX ( Discover, delivered XX/XX/year>, XXXX XXXX, OH ) and # XXXX ( XXXX  XXXX, delivered XX/XX/year>, XXXX XXXX XXXX, UT ) neither company has acknowledged receipt, flagged my account as hardship/uncollectible, nor ceased collection activity. Instead, Discover issued letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, mischaracterizing my Hardship & Indigence Notice as a simple FCRA dispute. These letters ignored my FDCPA and 42 U.S.C. 407 requests, falsely treated the account as a regular dispute, and continued to report and collect on an SSDI-based account. Following the XX/XX/year>, merger, XXXX XXXX XXXX. became the issuer and controlling entity for Discover-branded accounts and therefore bears responsibility for correcting these actions. This is willful misrepresentation and noncompliance with federal consumer protection laws, specifically : FDCPA 1692c ( c ) Failure to cease collection after Cease & Desist notice. FCRA 1681s-2 ( a ) Failure to report accurate consumer information. 42 U.S.C. 407 ( a ) Violation of SSDI income protection from collection or offset. I have attached all supporting documentation including certified mail receipts, tracking confirmations, and copies of Discover and XXXX XXXX correspondence labeled Evidence of Mischaracterization of Dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

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 2025-11-04 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Account Info Account Name XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX  Date Opened XX/XX/XXXX Status Account charged off. {$20000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$19000.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$18000.00} Highest Balance - Terms XXXX Months On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I financed a travel package through Affirm for a XXXX booking ( Loan ID : XXXX ) that included flights, hotel, and a rental car from Routes Car Rental in XXXX. Upon arrival, Routes refused to provide the rental car, claiming they did not accept our Michigan full-coverage auto insurance. They attempted to charge over {$700.00} for new insurance. Since we could not pay this unexpected fee, no rental car was provided. 
I filed a dispute with Affirm because the service was never rendered. Affirm denied the claim twice, providing two contradictory explanations : The first denial ( from XXXX ) stated the service was provided as agreed. 
The second denial ( from XXXX ) claimed that I canceled the rental and therefore the reservation was non-refundable. 
These explanations conflict they can not both be true. In fact, I did not cancel the reservation ; the rental company refused service, which is outside my control and a clear failure of service delivery. 
Affirms inconsistent and unsupported reasons show that no reasonable investigation was conducted, in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and CFPB dispute-handling requirements. They also failed to consider the documentation I provided ( communications with XXXX and Routes, proof of valid insurance, and receipts for alternate transportation ). 
I am requesting that Affirm : Reopen and properly investigate the dispute. 
Remove or credit the portion of the loan corresponding to the undelivered rental car. 
Provide a written explanation of their prior inconsistent decisions.

Company response to consumer: Closed with explanation