vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
I am filing this complaint because the credit bureau is reporting multiple inaccurate, incomplete, and unverifiable items on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

My credit file contains charge-offs, collections, late payments, and hard inquiries that include conflicting dates, balances, payment histories, and reporting statuses across bureaus. These inconsistencies demonstrate a failure to maintain maximum possible accuracy as required under 15 USC 1681e ( b ).

Several accounts are being reported without proper validation or permissible purpose under 15 USC 1681b, including collection accounts and hard inquiries for which no signed authorization exists.

In addition, student loan accounts are reporting late payments during periods of deferment or non-repayment, which is factually inaccurate and violates 15 USC 1666b and 15 USC 1637a.

I have submitted formal written disputes along with an FTC report and supporting documentation. Despite this, the credit bureau continues to report these items without providing proper verification as required under 15 USC 1681i. 

These reporting failures are causing ongoing harm to my credit profile and financial standing.

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 2025-12-29 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: CA

Complaint narrative:
I disputed a {$660.00} hotel charge from XXXX for a stay scheduled for XXXX XXXX XXXX, because the hotel service was not provided and I did not check in. 

Bank of America initially denied the dispute, stating that the charge was not eligible for a refund based on the merchants cancellation policy. I later learned that the merchant had claimed I checked into the hotel, which was incorrect. 

I contacted the merchant ( XXXX ), which confirmed in writing that it does not have access to hotel-issued proof of check-in such as a folio or stay verification. I then contacted the hotel directly and obtained an official pro-forma folio showing no room assignment, no nightly charges, and no occupancy for the stay dates. 

Bank of America reopened the dispute but branch staff advised that they could not confirm the dispute reason code or evaluate evidence beyond uploading official documents. I am concerned the dispute is being treated as a cancellation/refund issue rather than a services-not-provided dispute, despite the lack of proof that the hotel stay was delivered. 

I believe the dispute has not been evaluated under the correct standard, as the merchant has not provided proof that the service was rendered.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America charged off this account on XX/XX/year>, and I requested proof of a 1099c, but they never sent it.

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 2025-12-29 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported by Navy Federal Credit Union. on my consumer file. Navy Federal Credit Union is reporting negative banking-related information that has prevented me from opening a checking account, despite the information not being properly validated or supported by sufficient documentation. 
I requested that Navy Federal Credit Union investigate and verify the accuracy of the information being reported, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). However, the information continues to be reported without clear proof that it is accurate, complete, or legally reportable. 
This inaccurate reporting has caused financial harm by restricting my access to basic banking services. I am requesting that Navy Federal either provide full verification of the reported information or remove any unverifiable or inaccurate entries from my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NC

Complaint narrative:
at XXXX XXXX   XXXX XXXX I received a phone call from XXXX claiming to be a fraud representative from XXXX XXXX  investigating fraudulent charges in XXXX XXXX Texas linked toXXXX a credit card I was linked to. I do not have an active account with USB and have verified that with USB but I may have had an account active years ago but can not verify that. He started to ask for some personal information and I asked what was the number on the account he was calling about. He gave me the first XXXX numbers XXXX. I have no current accounts with those numbers. I felt like this was a phishing scam and hung up. I then called my largest credit card account and canceled that card and asked for a new card. All mu other accounts have small credit limits and I monitor them daily. I am XXXX XXXX XXXX and currently my wife and me as well are having a XXXX XXXX with our health requiring visits to the XXXX  for both of us on XXXX XXXX and XXXX evening. I am getting spam calls like this weekly about credit cards, my health care insurance and my XXXX account. This must stop. I still have my presence of mind but some of these calls are getting more and more clever

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 2025-12-29 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AR

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681e ( b ) and 1681i, regarding the continued reporting of a materially inaccurate and misleading tradeline furnished by XXXX XXXX XXXX. 

The account is reported as an auto loan charged off/ written off, yet Equifax continues to publish data that is internally contradictory, inflated, and legally inaccurate. 

Violations and Inaccuracies 1. Charged-Off Account Improperly Reported as Past Due Equifax reports the account as charged off, while simultaneously listing a past-due balance of {$28000.00}.

A charged-off account can not legally carry a past-due amount. This is a direct violation of accepted credit reporting standards and Metro 2 guidelines.

2. Inflated Balance Exceeding Original Loan Amount The original balance was {$25000.00}, yet Equifax reports a balance and past-due amount greater than the original obligation, without lawful explanation or documentation.

This constitutes false balance inflation, misleading potential creditors and scoring models.

3. Failure to Ensure Maximum Possible Accuracy Equifax has a non-delegable duty under 15 U.S.C. 1681e ( b ) to ensure the information it publishes is accurate.

Reliance on automated verification or unverified furnisher data does not satisfy Equifaxs statutory obligation.

4. Failure to Conduct a Reasonable Reinvestigation Upon notice of dispute, Equifax failed to conduct a meaningful investigation as required by 15 U.S.C. 1681i.

Any superficial confirmation with the furnisher does not meet the legal standard for a reasonable reinvestigation.

Consumer Harm Equifaxs continued publication of this inaccurate tradeline has caused substantial harm, including : Severe credit score suppression Denial of credit and financing opportunities Increased interest rates and financial loss Continued reporting after notice constitutes willful noncompliance, exposing Equifax to liability under 15 U.S.C. 1681n, including statutory and punitive damages.

Demand for Resolution Because this tradeline is fundamentally unreliable and can not be corrected without continued inaccuracy, I am demanding : Immediate and permanent deletion of this account from my Equifax credit report Written confirmation of deletion Assurance that the account will not be reinserted Correction is not an acceptable remedy. Deletion is the only lawful resolution.

Failure to resolve this matter through deletion will result in escalation, including litigation and complaints to state and federal regulators.

This complaint serves as formal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from a person stating they were chime and said I needed to change my password to prevent a fraud transaction, which I was on the phone for XXXX hours trying to change password and prevent fraud as I thought they were chime. On XX/XX/XXXX they called me XXXX times trying to get ahold of me to let me know my account was restricted and for me not to login till they gave me a call back or my account would be restricted. XX/XX/XXXX XXXX called chime because I logged into my account and all my savings was wiped out of my account from a unknown person with the area code XXXX they sent a pay anyone transfer to a phone number that I have no recognition of. I also had a login to my account on XX/XX/year> @ XXXX pm on a tol device in Florida, I was at work that day XXXX and not in Florida nor do XXXX know anyone in Florida. And I have a XXXX so that is not my Device It is important I get this money back as it is for my grandmothers funeral that is why it's titled " XXXX " I have submitted proof of the phone calls the texts they sent me acting as they were chime asking for codes they requested. As well as proof of my grandmothers funeral slip that I need to pay to put her to rest and why I need this money. Theyve refused to give me my money back and continue to deny my dispute claim when I have all the proof I have filed a police report with my local pd

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A request was sent to validate the debt on XX/XX/year>. No response was received. Attached is the request that was sent out. Please read fully.

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 2025-12-29 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Account and Inquiries To Whom It May Concern, I am writing to formally contest inaccurate and fraudulent information appearing on my consumer credit report, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), and to request the immediate blocking and deletion of all erroneous data resulting from identity theft.

Enclosed is a copy of my FTC Identity Theft Report and/or Police Report ( FTC Report Number : XXXX  ) as evidence supporting my identity theft claim. As required by federal law, upon receipt of a valid identity theft report, consumer reporting agencies must block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account and inquiries appearing on my Equifax credit report are the direct result of identity theft and must be blocked immediately : Fraudulent Account Information Creditor Name : XXXX / XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Fraudulent Inquiries to Be Removed ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize, acknowledge, or authorize this account or any of the inquiries listed above. They were not opened, approved, or initiated by me. The continued reporting of this information constitutes violations of the following federal statutes : FCRA 605B ( 15 U.S.C. 1681c-2 ) Requirement to block information resulting from identity theft FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate disputed information FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must report only accurate and verifiable information 15 U.S.C. 1681b Prohibition against impermissible use and reporting of non-public consumer information For your reference and compliance, I have enclosed the following documentation : Copy of my FTC Identity Theft Report and/or Police Report Copy of my credit report highlighting the fraudulent account and inquiries I hereby demand the immediate removal and blocking of the fraudulent account and all inquiries listed above from my Equifax consumer credit file. Copies of this dispute packet have been transmitted to your office via Certified Mail ( Return Receipt Requested ) for proper recordkeeping.

Failure to comply with this request within the timeframe required by law will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may result in legal action for statutory and actual damages.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that EQUIFAX immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to : XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint # XXXX as official proof from the XXXX Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate corrective action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized credit inquiries that appear on my credit report as a result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), and this dispute is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611. I did not authorize the following credit inquiry/inquiries, nor did I apply for credit with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please find my FTC Identity Theft Report reference # attached, along with copies of my government-issued identification and proof of address. Because these inquiries are the result of identity theft, I am requesting the immediate removal of all unauthorized inquiries listed above. If the furnisher can not provide documented proof of my authorization, these inquiries must be deleted from my credit file. Please provide written confirmation once your investigation is complete and the unauthorized inquiries have been removed. Thank you for your prompt cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-12-29 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief