vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
], a charge-off for the amount of {$2900.00} was reported on my credit file by XXXX XXXX Credit Union . However, I never received a required IRS Form XXXX for cancellation of debt, which should be issued when a debt is forgiven or written off. Despite this, the company continues to report the debt as a charge-off with a balance still owed, which is misleading and potentially inaccurate under the Fair Credit Reporting Act ( FCRA ). 

I contacted the company requesting verification of the debt and a copy of the XXXX, but they have failed to respond or provide proper documentation. I am disputing the accuracy of this reporting and requesting that the item be removed or corrected with all XXXX major credit bureaus. 



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Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Chime Financial Inc
State: MN

Complaint narrative:
List of transactions that were voided and canceled that were allowed to be processed and needed to be initialized as chargebacks and chime financial Inc was made completely aware of this prior to their support representatives over the phone helped we with submitting the disputes.. 
chime financial Inc proceeded to incorrectly mark the dispute with the wrong dispute type label and repeatedly lied to me about the dispute process and that the issue would be resolved correctly as of today the day of me filing this complaint they are still refusing to correct their mistake and return my money to me as required

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
Hello, this company is a prepaid trade line service and I will go to the XXXXXXXX XXXX XXXXXXXX. If you dont remove this from my credit report its ruining my credit. Its not a real loan place. Theyre fake loan people they put trade lines on your credit report so you can build them and I want this off of my credit report because its negative and this is affecting me and Im going to the XXXXXXXX XXXX XXXXXXXX XXXX This is my last request. Remove this from my credit report or I will report you to the XXXX XXXX XXXXXXXX for allowing a prepaid service to ruin my credit.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
I was XXXX in XXXX of XXXX and my phone was taken by XXXX XXXX sheriffs I had a lot of money on me during my arrest so the officers where profiling me and making jokes about taking my money. Somehow my phone end up missing for months but when I get out they so called found it and I open my phone too see that over {$15000.00} was took out of my account by XXXX XXXX withdrawals and debit card charges mind you I just got out XX/XX/XXXX how could I move or use any money I contacted each merchant I saw a charge for they instructed me too call my bank it was nothing they could do so I made the dispute as of today XX/XX/XXXX praying current does the right thing since they allowed me too be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Account Seizure & Facilitation of XXXX  XXXX  by Bank of America ( Internal Case # XXXX ) I am filing this formal complaint against Bank of America for gross negligence, a severe breach of its fiduciary duty, and its active facilitation of XXXX XXXX in a XXXX XXXX. 
Summary of Events : I am a legal co-owner of the Bank of America credit card account ending in [ XXXX ]. This account is a XXXX XXXX XXXX subject to a court-ordered XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my ongoing XXXX  XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
On XX/XX/year>, my estranged spouse, XXXX XXXX, contacted Bank of America and knowingly filed a false and fraudulent report, claiming that XXXX legitimate business charges I made were unauthorized. These charges, totaling {$250.00}, were for critical software subscriptions for my business. I have irrefutable proof of this action via the bank 's own statement. 
As a direct result of this fraudulent report, Bank of America took the following catastrophic actions without any form of notification to me, a legal account owner : They reversed the legitimate charges. 
They cancelled my access to our joint account. 
They seized control of the asset by issuing new cards solely to my estranged spouse at her separate address, which is not the address of record for this account. 
On XX/XX/year>, I contacted the Bank of America Fraud Department to report this breach. They assigned it Case # XXXX. Their agent incorrectly claimed my spouse had the authority to do this as an " authorized user '' and then stated the case was " cancelled. '' This response is legally unsound and suggests an attempt to cover up their initial negligence. 
Bank of America 's Violations : Breach of Duty : They failed in their duty to protect my ownership rights to a joint asset. 
XXXX XXXX XXXX : They knowingly or negligently became an instrument in my spouse 's campaign of financial harassment, in direct violation of a XXXX XXXX 
Failure of Notification : Their failure to notify me of a dispute and account cancellation is a severe violation of standard banking procedure and consumer protection regulations. 
This is not a simple customer service issue. This is a financial institution actively participating in the illegal misappropriation of a marital asset. Their actions have caused me direct financial and reputational harm and have significantly complicated a sensitive legal 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXXXXE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-25 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have XXXX days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX  has hard pulls on me report over 2 yrs old. They also have 18 hard pulls t from 1 creditor of XXXX XXXX XXXX in XXXX TX. According to the CFPB, hard pulls within a 14 day period should be considered as 1. All instances on Equifax and XXXX  reports they are affecting my credit score. You can't file a complaint on Equifax and XXXX  only if you pay for their online service service. They do not offer options of a live agent without payment. Equifax and XXXX  reports reports incorrect reporting which has caused unnecessary stress. Equifax and XXXX  is not a bureau and should no longer be allowed to give a report on my credit rating due to their unfair practices. I have not applied for credit to have 27 hard pulls. Except once with XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2025-06-25 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>, Consumer portfolio XX/XX/year>, XXXX XX/XX/year> all these unauthorized inquiries on all XXXX of my credit reports, Ive reached out to the agencies any they have no information on their system but its reporting on my reports. Can these items please be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Global Lending Services LLC
State: OH

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX on XX/XX/year>, XXXXXXXX XXXX XXXXXX/XX/year>, XXXX XX/XX/year> all these unauthorized inquiries on all XXXX of my credit reports, Ive reached out to the agencies any they have no information on their system but its reporting on my reports. Can these items please be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. I would like to assert that no permissible purpose under 15 USC XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C XXXX ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C XXXX ( b ) ( XXXX ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( XXXX ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( XXXX ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( XXXX ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C section XXXX A Section XXXX : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C XXXX ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. CXXXXe XXXXi ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Entrata Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to formally request assistance in disputing information included in a consumer background report that resulted in a recent housing application denial. 

On XX/XX/year>, I received an adverse action notice from XXXX  XXXX XXXX XXXX, stating that my lease application was denied due to a criminal background record reported by Resident Verify , LLC. The report appears to have flagged a past theft charge, which was disposed of and did not result in a conviction. 

I believe this information is either inaccurate, misleading, or not presented with full context, and it is now unfairly affecting my ability to secure housing. The report may not accurately reflect the legal resolution of the case. I have attached a copy of the adverse action notice and am working to obtain official court records confirming the dismissal/disposition.

Despite the report being generated by Resident Verify in conjunction with XXXX, the property management has acknowledged that the decision was solely theirs and that neither agency can explain why the adverse action was taken. However, under the Fair Credit Reporting Act ( FCRA ), I understand I have the right to dispute any incomplete or misleading information that has caused harm. 

I would appreciate the CFPBs assistance in guiding or facilitating the resolution of this dispute and helping ensure that the background reporting agencies involved correct or clarify the information in my file. 

Please let me know the appropriate next steps or if additional documentation is required. 

Thank you for your time and help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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