vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, Bank of America locked my online banking and forced my account into suspension due to suspicious activity. I shortly received a call stating that there was suspected fraudulent activity on my account and was accused of recently giving out my bank information. This was false and I fully cooperated to resolve this misunderstanding, I was told that at XXXX a dispute was opened up on my account in the amount of {$140.00} that day. I explained that I have no knowledge of filing a dispute recently and that there was no one that I know of that I would have my online banking information to login. Afterward waiting for over XXXX minutes, I was informed that my account would be suspended and further reviewed, and that a decision would be made to keep account open or close in 24-48 hours from suspension time. The representative explained to me that I can go to a local branch with XXXX forms of ID to verify my identity, so the next day ( XX/XX/year> ) I went to my local branch on XXXX XXXX to resolve but was informed that my account will be closed permanently and I am banned to open an account with the Institution every again.

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 monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Ive been called and texted everyday since XX/XX/year>. I am facing financial hardship and can not pay this debt at this time. When I spoke to them, they couldnt work with my situation at which point I asked them to stop calling. I blocked the first number they called from and am now being called and texted everyday by a new number. I never signed my debt over to them according to the Forward Flow Agreement, Chain of Assignments and never received account level documentation proving such. 

Theyve been calling from these numbers but as of right now, I cant find the text messages 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 2025-07-10 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: PA

Complaint narrative:
These are unauthorized accounts that were opened without my knowledge or consent. Under USC 1681g, I request that they be removed from my credit record within 15 days. Please review the attached documents.

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 2025-07-10 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: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-10 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: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-10 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: ND

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-10 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 am reporting inaccurate credit reporting by Equifax and Experian regarding an old account from XXXX XXXX XXXX XXXX XXXX. 

This account was closed on XX/XX/XXXX and is correctly reported on TransUnion as closed with a {$0.00} balance and no charge-offs after that date. 

However, Equifax and Experian are reporting false dates, including : A last payment date of XX/XX/XXXX, which is impossible because the account was closed in XX/XX/XXXX Ongoing charge-off status into XXXX A status update listed as XX/XX/XXXX, which is also incorrect This is a violation of FCRA Section 623 ( a ) ( 5 ), which prohibits re-aging of accounts. It is damaging my credit score unfairly.

I have disputed this with the bureaus, and Equifax failed to respond properly. I have screenshots from all three bureaus to prove the inconsistencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-10 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I made a purchase through XXXX and the merchandise was not delivered. The tracking showed it was not sent. I called the post office and they confirmed that the merchandise had not been sent. I opened a dilspute and was granted conditional credit but was later denied. I called the credit card rep and asked what the merchant provided as proof and I was never told. I was given a website to pursue trying to reverse the dispute dicision and I found this contact. Hope this helps

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 2025-07-10 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:
On XX/XX/XXXX, I submitted detailed disputes to Experian, Equifax, and TransUnion, identifying fraudulent accounts ( e.g., opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), inaccurate addresses ( e.g., in XXXX XXXX XXXX, and XXXXXXXX XXXX ), unauthorized inquiries ( e.g., XX/XX/XXXX ), and incorrect names on my credit reports, all stemming from identity theft linked to multiple data breaches. I provided an FTC Identity Theft Report and demanded immediate removal under the Fair Credit Reporting Act ( FCRA ). The bureaus were required to investigate within 30 days ( by XX/XX/XXXX ) per FCRA 1681i ( a ) ( 1 ) and block identity theft-related information per 1681c-2. Experian partially removed some items but left several accounts, two addresses, one inquiry, and two names unresolved. Equifax and TransUnion provided no response or mailed correspondence, failing to remove any items or provide investigation details, violating FCRA 1681e ( b ) and 1681i ( a ) ( 7 ). On XX/XX/XXXX, I sent follow-up disputes to all three, reiterating demands for removal. No bureau has complied fully, causing credit denials ( e.g., XXXX and XX/XX/XXXX ), a lowered score, and distress. Their negligence continues to harm my financial opportunities.

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 2025-07-10 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: IL

Complaint narrative:
On XX/XX/XXXX, I submitted detailed disputes to Experian, Equifax, and TransUnion, identifying fraudulent accounts ( e.g., opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), inaccurate addresses ( e.g., in XXXX XXXX XXXX, and XXXXXXXX XXXX ), unauthorized inquiries ( e.g., XX/XX/XXXX ), and incorrect names on my credit reports, all stemming from identity theft linked to multiple data breaches. I provided an FTC Identity Theft Report and demanded immediate removal under the Fair Credit Reporting Act ( FCRA ). The bureaus were required to investigate within 30 days ( by XX/XX/XXXX ) per FCRA 1681i ( a ) ( 1 ) and block identity theft-related information per 1681c-2. Experian partially removed some items but left several accounts, two addresses, one inquiry, and two names unresolved. Equifax and TransUnion provided no response or mailed correspondence, failing to remove any items or provide investigation details, violating FCRA 1681e ( b ) and 1681i ( a ) ( 7 ). On XX/XX/XXXX, I sent follow-up disputes to all three, reiterating demands for removal. No bureau has complied fully, causing credit denials ( e.g., XXXX and XX/XX/XXXX ), a lowered score, and distress. Their negligence continues to harm my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because charge-off accounts continue to appear on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should be removed. 

These charge-off accounts are past the allowed reporting period and should no longer appear on my credit report. I respectfully request that they be removed immediately from all credit reporting databases. 

I have attempted to dispute this directly with the credit bureau, but the issue remains unresolved. I am requesting the assistance of the CFPB in ensuring compliance with the FCRA and the removal of this outdated negative information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
Complainant : Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date of Report : XX/XX/XXXX Category Selected : Credit reporting Incorrect information on your report Company ( s ) Complained About : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Involved : TransUnion, XXXX, Equifax Complaint Details : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continued inaccurate, incomplete, and unverifiable information being reported on my credit reports with TransUnion, XXXX, and Equifax. I have already submitted disputes, and the bureaus have failed to correct or fully investigate these accounts. 



XXXX  XXXX ( Multiple Accounts ) Multiple accounts are being reported as XXXX  days late and closed with derogatory remarks, even though I have contested the accuracy of the payment history, balance status, and closure dates.

This reporting violates 15 U.S. Code 1681s2 ( a ), which requires furnishers to provide complete and accurate information.

There is also concern regarding violations of grace period requirements under 15 U.S. Code 1666b, as fees and statuses were applied inconsistently. 



XXXX XXXX XXXX  XXXX a XXXX delinquency on a closed account ending in XXXX, though I had attempted resolution and dispute prior to charge-off. 
This account appears to have errors in payment history timeline and should be removed if it can not be verified within the legal standard. 



XXXX XXXX This lender is reporting a XXXX past due installment loan with account ending in XXXXXXXX XXXX XXXX XXXX XXXX, yet there is a mismatch between dates of delinquency and reported activity.

Under 15 U.S. Code 1681s2 ( b ) ( 1 ) ( C ), the furnisher must update or delete inaccurate or unverifiable informationthis was not done even after dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted formal written disputes to TransUnion, Equifax, and Experian regarding multiple negative accounts on my credit reports that I believe to be inaccurate, unverifiable, or the result of identity theft. I included all required documentation : a copy of my government-issued ID, Social Security card , and proof of address. 

I specifically cited violations under the Fair Credit Reporting Act ( FCRA ), including 605B ( blocking identity theft ), 609 ( right to documentation ), 611 ( investigation procedures ), and 623 ( furnisher responsibilities ). I also requested a Method of Verification ( MOV ) for each account.

Despite giving each bureau the legally required time to respond, none have provided proper validation or deleted the disputed items. Some of these accounts are charge-offs or contain late payments that can not be verified through original documentation. 

I also attempted to follow up but received form-letter responses that did not address the legal violations or provide the required documents.

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 2025-07-10 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: LA

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted formal written disputes to TransUnion, Equifax, and Experian regarding multiple negative accounts on my credit reports that I believe to be inaccurate, unverifiable, or the result of identity theft. I included all required documentation : a copy of my government-issued ID, Social Security card , and proof of address. 

I specifically cited violations under the Fair Credit Reporting Act ( FCRA ), including 605B ( blocking identity theft ), 609 ( right to documentation ), 611 ( investigation procedures ), and 623 ( furnisher responsibilities ). I also requested a Method of Verification ( MOV ) for each account.

Despite giving each bureau the legally required time to respond, none have provided proper validation or deleted the disputed items. Some of these accounts are charge-offs or contain late payments that can not be verified through original documentation. 

I also attempted to follow up but received form-letter responses that did not address the legal violations or provide the required documents.

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 2025-07-10 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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