vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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 writing to formally dispute several inaccurate, incomplete, and non-compliant items currently appearing in my Equifax credit file. Under 15 U.S.C. 1681i ( FCRA 611 ), you are required to conduct a reasonable reinvestigation of each disputed entry and correct or delete any unverifiable, inaccurate, or outdated information within XXXX  days.

After reviewing my Equifax report, I identified the following negative and inconsistent accounts that fail to meet FCRA 607 ( b ) ( maximum possible accuracy ) and Metro 2 data-furnishing standards : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX reporting as a collection/charge-off with inconsistent activity dates and unverifiable balance data. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as a collection without validation of debt ownership or consent to furnish. 
XXXX. XXXX  XXXX ( Acct # XXXX ) incorrectly reporting late payments despite positive standing. 
XXXX. XXXX XXXX reporting repeated late payments with no preceding XXXX or XXXX delinquencies, violating accuracy requirements. 
XXXX. XXXX XXXX XXXX showing a XXXX delinquency that conflicts with payment history. 
XXXX. XXXX  ( Acct # XXXX ) reflected as charged-off though the account was closed, violating FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX improperly listed as a charge-off with duplicate data across bureaus, showing unverifiable payment information. 
Each of these entries violates XXXX or more of the following laws and standards : FCRA 602 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ), and 615 ( a ) GLBA ( 15 U.S.C. 68016809 ) failure to safeguard consumer data, resulting in an unauthorized Data Breach or improper dissemination FDCPA 807 & 808 inaccurate collection reporting and misleading debt representation Metro 2 Compliance incomplete, inaccurate, or contradictory data fields These inaccuracies constitute a failure to maintain maximum possible accuracy and may indicate your systems compromised data integrity. This falls under a data breach event as defined by federal privacy and consumer-protection guidelines, since inaccurate personal data has been disclosed to third parties without authorization. 
I hereby demand : A full deletion of any unverifiable or non-compliant data ; Written verification of source data for each account ; and An updated report reflecting corrections within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My car became a lost in 2022. I insurance paid it off but somehow its still on my credit. Please close that account.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-24 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: CA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-10-24 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On Monday XX/XX/year> a purchase on my XXXX account for XXXX XXXX ( crypto currency ) was made at XXXX XXXX. I enquired about this transaction as it was for {$2000.00} and Id never spend that much on a stock, much less a crypto. I did a phone interview that night or the following night. I answered all 10 of their questions. Ive emailed them a dozen times and Ive messaged the support teams another dozen times. Without any prompts, I provided all of my documents ( Birth cert, Drivers license, debit card, W-2 forms, proof of address, etc ). I asked them what else could they possibly want from me? They will not give me an answer other than we need more time. More time to do what? I even admitted that I could have POSSIBLY made the purchase myself. I told them maybe I tried to purchase XXXX XXXX and accidentally entered another 1, to make it XXXX. This happened in the morning when I first woke up. Unlikely its a possibility I made that mistake. They told me everything would be settled by XX/XX/year> ( today ). But when I logged into my account, it says we need more time to look into this. All I want is to have my account re-activated OR have the ability to withdrawal my money and open a new account on a different app. They emailed me and told me to have my lawyer contact them. I told them I dont have a lawyer and that Id follow a complaint with you guys. Thats the end of any conversations. This is a pretty simple matter. Ive had the account for over 3 months and this is the only time anything like this has ever happened. I could understand their time constraints if this was the 2nd, 3rd time. But its not. Ive deleted all online wallets and crypto accounts involving wallets. Ive upgraded security. I dont know what else to do, thats why Im sending this message. Thanks - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This company sent me no notice just a warrant in debt and then refuses to answer phone for me or original debtor I can not resolve what is not answered

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 2025-10-24 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: WI

Complaint narrative:
Trans Union Credit Bureau is violating my consumer rights & reporting fraud, inaccurate information on my report. FCRA Violations : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies ( CRAs ) are required to ensure the maximum possible accuracy of the information they report. They are reporting fraud inquires from XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( Bank ) XX/XX/year> & I did not apply with these companies. I been a victim of Identity theft & data breach from Trans Union, XXXX XXXX XXXX XXXX XXXX. My bank accounts & emails were hacked & my personal info has been stolen. Furthermore, I have a fraud alert on the credit report & I am still not protected!! I can't not file A FTC identity theft report because the government 's shut down. have contacted these companies & complained & they said they cant do anything to remove them. I am so frustrated & tired of these companies & Trans Union violating my rights. I also filed a complaint to these banks. I talked to a supervisor from Trans Union & they said I cant dispute these fraud inquires which is against the law. I will be rotating my lawyer & proceeding with a law suit against these companies & Trans Union, I am seek of them violating my rights & causing me stress & my score to go down & nothing is done about it, to protect my personal information.

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 2025-10-24 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:
PLEASE BLOCKED AND REMOVED.

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-24 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:
PLEASE BLOCKED AND REMOVED.

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX, I contacted The XXXX XXXX XXXX , the issuer of my draft, and was informed that the reason my deposit was returned was due to an improper endorsement. I had been calling and using BOAs live chat for several days before this, but no one at Bank of America ever informed me that the item was returned for endorsement error. If I had been told earlier, I could have corrected the endorsement and re-deposited it earlier in the week. 

When I visited the branch, the manager confirmed he could not assist me and stated that BOA does not follow Regulation CC {$220.00} availability anymore. This is inconsistent with federal banking law. My receipt from the teller originally stated that funds would be released on XX/XX/XXXX, but when I checked my account later, the date was changed to XX/XX/XXXX without explanation. Since the draft has been verified by the issuing bank, there should not have been a further delay in availability. 

This situation has caused unnecessary hardship due to lack of communication, failure to provide accurate regulatory information, and alteration of the release date after the deposit was accepted. 

Requested Action : I request that the CFPB review Bank of Americas compliance with Regulation CC and its internal communication procedures, ensure my funds are released per federal timelines, and require BOA to provide a written explanation for altering the release date and refusing to honor the {$220.00} next-day availability rule.

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 2025-10-24 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VT

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: MI

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-24 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

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 response to consumer: Closed with explanation