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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Disputed information on credit report with all agencies. Requested status be changed due incorrect information being reported. Requested debt validation letters to all companies listed below. 

XXXX XXXX XXXX XXXX  {$7700.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was written off I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} paid settlement. Acount was written off I requested 4506-T from IRS. 
XXXXXXXX XXXX XXXXXXXX {$980.00} Account status update is incorrect. Account is old and should be removed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Disputed information on credit report with all agencies. Requested status be changed due incorrect information being reported. Requested debt validation letters to all companies listed below. 

XXXX XXXX XXXX XXXX  {$7700.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was written off I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} paid settlement. Acount was written off I requested 4506-T from IRS. 
XXXXXXXX XXXX XXXXXXXX {$980.00} Account status update is incorrect. Account is old and should be 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 non-monetary relief
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: FL

Complaint narrative:
I am disputing certain items currently being reported on my TransUnion credit report. I am working on improving my credit, but I am concerned that some of the information TransUnion is reporting may be inaccurate or not fully verified. 

The following items need to be investigated for accuracy : CHARGED-OFF ACCOUNTS IN DISPUTE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I opened a new checking account on XX/XX/year>, through the Bank of America promotional website. The account was opened successfully, and I received my online banking user ID and password. The new customer checking account was advertised as eligible for a {$500.00} cash offer, and I followed all the steps and procedures listed on your website when opening the account. 

However, on XX/XX/year>, Bank of America closed my account without any prior notification. Because of this, my employer was unable to deposit my salary via direct deposit, and I was informed of this issue today XXXX. 

Without knowing that the account had been closed, I visited a local branch today. The staff took XXXX forms of identification and spent about XXXX minutes attempting to unlock the account but were unable to do so. The branch XXXX advised me to call the toll-free customer service number. 

When I called customer service, the representative was able to reset my user ID and password and told me that the account was active. However, when I inquired about the {$500.00} promotional offer, the representative said that my account did not qualify. After further discussion, I was transferred to a sales representative, who informed me that my account was fine and that I would be eligible for the cash-back offer. 

I wanted to ensure that my account would not be closed again, so I asked additional questions. I was then transferred to the fraud complaint division, where I was informed that the account had already been closed on XX/XX/year>, because a team member had flagged it as identity theft. I requested that the account be reactivated since I need it for direct deposit, but they told me they could not do that. When I asked for more details, they said they could not provide further information. 

I filed a formal complaint, which has been recorded under case number XXXX. When I asked about the resolution, I was told that the account will remain closed and that I will receive a check for the remaining balance by mail within 710 days. I was also informed that if I want to open a new account, I must visit a branch in person, and that to qualify for the promotional offer, I would need to use the banks network to prevent the account from being flagged again. 

I feel that this situation represents false advertising of the promotion on your website and has caused significant inconvenience to me as a customer. I request that this matter be reviewed and resolved appropriately.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a dispute with Equifax regarding the following accounts and inquiries that are inaccurately reported : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need to be clear, this complaint is not a mistake. Multiple accounts on my credit report contain information that does not meet the standard of maximum possible accuracy. These persistent inaccuracies have continued despite my efforts to correct them and are causing measurable harm to my creditworthiness and daily life. The ongoing presence of unverified or incorrect entries is unfairly limiting my financial options during an already difficult time and must be treated as a serious reporting failure.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I paid off my Affirm loan for a purchase from House XXXX XXXX. The merchant issued a {$280.00} refund on XX/XX/year>, and provided Affirm-traceable details ( XXXX XXXX / XXXX XXXX ), but Affirm never applied or disbursed the refund. I have contacted Affirm multiple times since XX/XX/year> with documentation, yet no trace or reimbursement has been processed, and I am requesting CFPB assistance to resolve the missing refund.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I am submitting this complaint regarding my repeated inability to access my ChexSystems consumer report. I have been attempting to obtain a copy of my report for over XXXX years without success. I have no active lock or freeze preventing access, yet despite following all procedures, I have been unable to receive my report either by mail or online. 

I have made over XXXX attempts to access my ChexSystems report via their website and other official channels, but each attempt has failed. I have followed all required steps, provided any necessary information, and attempted multiple methods of access, yet ChexSystems continues to deny me the ability to obtain my report. This ongoing issue prevents me from reviewing my credit and banking history, disputing errors, and protecting myself from identity theft. 

The inability to access my ChexSystems report violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX, which requires consumer reporting agencies to provide consumers with access to all information contained in their files upon request. ChexSystems repeated failure to provide my report, despite numerous attempts and no legal barrier, constitutes a clear violation of federal law and has caused significant frustration, stress, and potential harm to my financial well-being. 

I am requesting immediate assistance from the CFPB to ensure that ChexSystems provides me with a complete copy of my consumer report without further delay. I expect a timely response and resolution so that I can review my report, identify any inaccuracies or fraudulent accounts, and take the necessary steps to protect my financial rights. 

This complaint is filed personally and without assistance from any third party. I request that the CFPB intervene to enforce my rights under the FCRA and hold ChexSystems accountable for their ongoing failure to provide access to my consumer 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northbrook and Associates
State: CA

Complaint narrative:
What Happened I recently reviewed my credit report and discovered an account reported by Northbrook Indemnity Company showing as a collection/charge-off with a balance of {$910.00}. I have never had any insurance policy, account, or financial relationship with this company, and I do not owe this debt.

This appears to be a case of inaccurate reporting or mistaken identity. The account is negatively affecting my credit score and is being reported across multiple bureaus ( XXXX XXXX XXXX XXXX ). I have not received any prior notice or documentation from this company or any collection agency regarding this alleged debt.

What I Want Done I am requesting that this Northbrook Indemnity Company account be investigated immediately and removed from my credit report if it can not be verified as legitimately mine. 

Please : Verify the accuracy of this account directly with the original creditor and any collection agency involved. 
Provide written confirmation of the results of your investigation. 
Delete or correct the account from XXXX credit bureau records if it can not be substantiated with valid documentation linking it to me. 
This matter is urgent, as the inaccurate information is causing harm to my credit standing and financial reputation.

Company response to consumer: Untimely response
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: FL

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, I ask that they be promptly deleted from my report.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment records be investigated, and if they can not be fully verified, that they be updated or deleted from my file.

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am submitting this complaint regarding ongoing violations by XXXX XXXXXXXX, Experian, XXXX XXXX XXXX related to my personal credit information. Despite repeated disputes and prior identity theft documentation, these entities continue to report fraudulent accounts, including PA XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and ChexSystems. These accounts were not opened by me and have caused significant financial harm, emotional distress, and disruption to my ability to access financial services, maintain housing, and manage day-to-day financial obligations. 


Please see attachment

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2025-11-04 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: CA

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