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

Complaint narrative:
Date : XX/XX/XXXX * * To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last 4 ) : XXXX Date of Birth : XX/XX/XXXX Subject : Formal Complaint Unlawful and Inaccurate Reporting of Repossession by XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for unlawful and inaccurate credit reporting practices. Their conduct constitutes multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws. 

XXXX XXXX has reported a repossession on my credit file that is factually incorrect, unverifiable, and unsupported by lawful documentation. I have disputed this information directly with both XXXX XXXX and the major credit bureaus, but neither has provided valid evidence verifying the debt or showing proof of any required notices. This failure to verify violates 1681s-2 ( b ) of the FCRA.

Furthermore, the credit bureaus have continued to publish this inaccurate and disputed information in violation of 1681i and 1681e ( b ). The continued reporting of this false information has caused significant harm to my creditworthiness and financial opportunities.

Requested Action : I respectfully request that the CFPB investigate and require : 1. Immediate deletion of the repossession from my credit reports with Experian, XXXX, and XXXX  ; XXXX. Full documented verification from XXXX XXXX, including any contract, repossession records, sale statements, and legally required notices ; and 3. Enforcement of compliance to ensure that XXXX XXXX corrects its reporting procedures and compensates for any ongoing consumer harm. 

Copies of my dispute correspondence and relevant credit reports are available upon request. Please take prompt action to ensure compliance with federal consumer law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last 4 ) : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Dear TransUnion 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 INQUIRIES : 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear TransUnion 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

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: NC

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

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: IL

Complaint narrative:
Dear TransUnion 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

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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Student Loan Reporting by XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear CFPB and Credit Bureaus, I am writing to formally dispute the accuracy and validity of a student loan account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the above account number. This account is being furnished inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2, as well as Metro 2 compliance standards governing accurate data furnishing to credit reporting agencies.

This loan stems from an alleged federal consolidation reported to have originated in XXXX, yet XXXX has failed to provide documentation verifying the underlying loans, disbursements, or promissory notes that justify the current reporting. Therefore, the account can not be verified under FCRA standards. 

Furthermore, the recent federal settlement between the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and the U.S. Department of Educationacknowledged under the XXXX administrationresulted in the forgiveness of over XXXX XXXX student loans due to improper servicing, misinformation, and lack of verifiable data. XXXX, as a federal servicer, falls within the scope of this settlement and related corrective actions. 

Under the FCRA 1681i, all furnishers and credit bureaus must conduct a fair, thorough, and verifiable investigation when a consumer disputes the accuracy of any reported information. The Consumer Financial Protection Bureau ( CFPB ) has repeatedly ruled that automated or unverified responses by furnishers fail to meet this standard. 

Given the lack of supporting evidence and the inconsistency with federal settlements, I am demanding that the above-referenced account be deleted in its entirety from my credit report across Equifax, Experian, and XXXX XXXX or any credit bureau continues to report this unverifiable information, I will consider this a willful violation of the FCRA and reserve the right to pursue additional remedies, including filing complaints with the U.S. Department of Education Ombudsman and the Pennsylvania Attorney General.

Please provide written confirmation that this account has been deleted or that a lawful reinvestigation has been completed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX : [ XX/XX/XXXX ] SSN ( Last XXXX ) : [ XXXX ] Account Number : 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: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Risecredit, LLC
State: SC

Complaint narrative:
Over the last 2 days, someone ( XXXX XXXX ) has called my number and self others numbers that was never provided leaving the same threatening message. He does not identify what company he works for in the message and just leaves a toll free number to contact. 

When I called the toll free number today, it was unclear as to what the company actually was, They then had all of my information and was threatening on the phone. I asked for the full contract and payments made be mailed to me and to only contact me via mail. NO phone calls or emails.

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: WV

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding two inaccurate tradelines : XXXX. XXXX / Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing 30-day late payments in XXXX and XX/XX/year> that did not occur. 
XXXX. XXXX XXXX / Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting past-due history on a closed account that was paid prior to closure.

Please investigate, correct, or delete these errors. Provide written confirmation of your reinvestigation and describe your verification method as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

Supporting documents verifying my identity and address are enclosed.

Thank you for your timely compliance within 30 days.

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: MI

Complaint narrative:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally disputing the following negative and inaccurate items appearing on my credit report, in violation of the Fair Credit Reporting Act, the FDCPA, and Metro 2 guidelines :XX/XX/XXXXXX/XX/year> These accounts contain inconsistencies in XXXX, balances, statuses, or are not verifiable to Metro 2 standard. Additionally, hard inquiries listed above are not associated with any open account and lack permissible purpose ( FCRA 604 ).

Pursuant to FCRA 611, I demand deletion or full reinvestigation with documented proof within 30 days. If your agency can not verify each data field, delete the entry entirely per FCRA 611 ( a ) ( 5 ) ( A ).

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: MI

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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: 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: NY

Complaint narrative:
I reviewed my recent credit reports and found multiple unauthorized hard inquiries that I did not apply for or authorize. I have never given permission to these companies to access my credit file, nor did I submit any credit applications to them around the listed dates. 

The inquiries appeared on my report as follows : XXXX ( XXXX Bank ) XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX These inquiries are negatively affecting my credit score and were made without my knowledge or consent, which is a violation of FCRA XXXX ( a ) ( XXXX ) requiring consumer authorization before a credit inquiry is made. 

I contacted the credit reporting agencies to request documentation proving I authorized these inquiries, such as signed applications or consent forms, but no proof has been provided. 

I am filing this complaint to request that these inquiries be investigated and deleted from my credit reports if the companies can not verify that I granted permission.

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

Complaint narrative:
I reviewed my recent credit reports and found multiple unauthorized hard inquiries that I did not apply for or authorize. I have never given permission to these companies to access my credit file, nor did I submit any credit applications to them around the listed dates. 

The inquiries appeared on my report as follows : XXXX ( XXXX Bank ) XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD ( XXXX Bank XXXX, XXXX. ) XX/XX/XXXX These inquiries are negatively affecting my credit score and were made without my knowledge or consent, which is a violation of FCRA XXXX ( a ) ( XXXX ) requiring consumer authorization before a credit inquiry is made. 

I contacted the credit reporting agencies to request documentation proving I authorized these inquiries, such as signed applications or consent forms, but no proof has been provided. 

I am filing this complaint to request that these inquiries be investigated and deleted from my credit reports if the companies can not verify that I granted permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: TX

Complaint narrative:
Sent to wrong address which caused confidentiality to be broken and others to find out my financial status. My address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I have no idea why they sent it to this address. This was an embarrassment and caused a lot of grief.

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: TN

Complaint narrative:
I am writing to dispute and request the removal of inaccurate or unverifiable information being reported on my Equifax credit file. Due to ongoing data breaches and unauthorized use of consumer information, I believe the account and inquiry listed below may have been reported in error or without proper verification. 
Account in Dispute : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRY : XXXX XX/XX/XXXX

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 INQUIRIES : 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: Experian Information Solutions 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 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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
ATM XXXX Error Request for Investigation To Whom It XXXX Concern, My name is XXXX XXXX XXXX, and I am requesting an immediate investigation regarding a failed ATM deposit. 

Account Name : XXXX XXXX XXXX Card ( last XXXX digits ) : XXXX Bank : Truist Bank ATM Serial Number : XXXX ATM Location : XXXX XXXX XXXX, XXXX, TX XXXX Date and Time : XX/XX/year>, at XXXX PM Deposit Amount : {$14000.00} ( cash ) Description : On XX/XX/year>, at approximately XXXX PM, I deposited {$14000.00} in cash into the Truist ATM located at XXXX XXXX XXXX, XXXX, TX XXXX ( ATM serial number XXXX ). 

The ATM accepted the full deposit, but my account was only credited {$1.00}, indicating a serious error. No cash was returned to me, and I did not cancel the transaction. The funds were taken by the machine and not properly reflected in my balance. 

I am requesting that an ATM deposit investigation be opened immediately and that the ATM transaction logs, cash cassette balance records, and XXXX footage for XX/XX/year>, between XXXX PM and XXXX PM be reviewed. 

Attached are : XXXX of my account showing the {$1.00} deposit Photos of the ATM, including serial number XXXX My deposit receipt ( if available ) Please confirm receipt of this message, provide the case/reference number, and advise of the expected timeline for investigation and credit adjustment. 

Thank you for your prompt attention to 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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>, I was scammed in person by an individual who misrepresented a payment. I agreed to authorize a {$15.00} charge via XXXX XXXX, but the merchant fraudulently processed a {$1000.00} charge under the descriptor XXXX XXXX XXXX. I recognized the fraud within 30 minutes, immediately reported it to Bank of America, filed a police report the same day, and locked my card to prevent further transactions.

Despite providing all documentation and proof that this was a misrepresented, deceptive transaction, Bank of America denied both my initial dispute and my appeal. Their rationale was that because I physically authorized the payment, it was valid, even though the merchant falsified the amount and intent. This is inconsistent with XXXX and XXXX dispute categories for misrepresentation and incorrect transaction amounts.

Bank of America acknowledged that two subsequent attempted charges from the same fraudulent merchant ( which were blocked after I locked my card ) would have been refunded had they cleared demonstrating that the merchants intent was clearly fraudulent and Bank of America is aware that their intent and representation of the overcharged amount was fraudulent. Yet the first {$1000.00} charge, which occurred before the card lock, was not credited on the grounds that the police report and my timely reporting of the incident is not sufficient.

I am requesting that the CFPB review Bank of Americas dispute-handling process in this case and determine whether the bank applied its policies in a fair and reasonable manner. I also request that my claim be re-reviewed in light of the evidence of merchant fraud, my immediate reporting, and the corroborating police 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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I've been in a debt resolution for XXXX and this account # XXXX and # XXXX as well XXXX financial institution/ XXXX XXXX XXXX. # XXXX XXXX, Mi has been negotiation a settlement along with other credit card companies for pay off

Company response to consumer: Closed with non-monetary relief