vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has once again failed to uphold its statutory duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) by continuing to report inaccurate, unverifiable, and derogatory tradelines even after a lawful dispute was submitted. Despite being provided sufficient notice, Equifax did not complete a proper reinvestigation within the required 30-day period, violating its federally mandated timeline. 

Accounts : 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 XXXX XXXX XXXX XXXX  These accounts reflect severe reporting discrepancies, including unverified charge-offs, collection notations, and false payment statuses that directly contradict consumer-supplied documentation and furnishers own records. Equifax has persisted in reporting data that fails to meet even the most basic verification standards required under the FCRA and CDIA Metro-2 guidelines. 

This ongoing negligence has caused significant damage to my creditworthiness, reputation, and financial standing. Equifaxs inability or unwillingness to produce verified evidence supporting these entries demonstrates a reckless disregard for compliance with federal law. As a consumer, I have the right to expect diligence, accuracy, and timelinessyet Equifax has chosen to ignore all three.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/year> I went to my band at Bank of America to deposit a large settlement check in my account of 7 years. They asked me if I wanted to open a savings account to put it in I said no. They insisted it would be safer from fraud and that I would have at least partial access to the finds by the XXXX, and the rest available on the XXXX, I asked if my checking account offered the same protection as the savings they said anyone who has access to checking card could fraudulently access my money and the new savings would account was much safer, and quicker to have access to my funds. ( a lie ) I made obligations that needed to be paid and set them up for the XXXX. Then my app said the funds would be put on hold tell the XXXX but then all fund would be available, then it changed to the XXXX, then to the XXXX. I reached out to B of A on the XXXX to ask why they couldn't tell me over the phone I had to go to the branch, I went to the branch they said maybe I didn't sign the check, but they looked and I had. They said they believed the check might be returned, but my lawyer informed me the money had been released to Bank of America on the XXXX from the settlement trust and was full paid out. I reached back out to the bank and talked with a supervisor going over everything I just mention She even told me I am sorry it would have been faster to have it deposited in my established checking account of 7 years and would have been just as safe, and that she was sorry I was mislead, then she tried to correct herself by saying I mean misinformed. She said with new accounts they could put up to a XXXX hold on a check were as with my established account it probably would have been available in 2 days, and that she would try to expedite the hold. It is now the XXXX I now have to pay several overdue/late fees and have the possibility of having my power turned off. I then looked into B of A and they have a history of misleading consumers, so that they can open new accounts or other unwanted or unneeded services. They lied to me multiple times throughout this ordeal and acted in very bag faith. All while having access to my XXXX now for over a week with little explanations or care.

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 2025-10-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX is reporting a 3059-day late payment on my credit report for XXXX. 

This information is inaccurate and misleading. The account was never late, paid in full, carries a {$0.00} balance, and was closed in good standing on XX/XX/XXXX. No payment was missed or delinquent at any point during the life of this account. 

Reporting a false late payment on an otherwise positive, closed account violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to investigate and correct inaccurate information, and 15 U.S.C. 1681e ( b ), which mandates the use of reasonable procedures to assure maximum possible accuracy in consumer reports. 

I have not been provided with any documentation verifying a missed payment or delinquency. Therefore, this derogatory reporting is inaccurate, unsupported, and must be corrected or deleted. 

Attached is DL and credit reporting for reference.

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 2025-10-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX is reporting a 3059-day late payment on my credit report for XXXX. 

This information is inaccurate and misleading. The account was never late, paid in full, carries a {$0.00} balance, and was closed in good standing on XX/XX/XXXX. No payment was missed or delinquent at any point during the life of this account. 

Reporting a false late payment on an otherwise positive, closed account violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to investigate and correct inaccurate information, and 15 U.S.C. 1681e ( b ), which mandates the use of reasonable procedures to assure maximum possible accuracy in consumer reports. 

I have not been provided with any documentation verifying a missed payment or delinquency. Therefore, this derogatory reporting is inaccurate, unsupported, and must be corrected or deleted. 

Attached is DL and credit reporting for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

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 TILA US Code 1666B 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 ( FCBA ) 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to 15 U.S. Code 1681 ( 4 ), you must respect a consumer 's right to privacy and fairness, which your agency is in direct violation of under the FCRA. additionally 15 U.S. Code 1681 ( 2 ) ( A ) i clearly shows that it is ilegal to report transactions or experiences between the consumer and the person making the report, and late payments are experiences between me and your agency. To make matters worse, you can not provide any account as late according to 15 U.S. Code 16668 unless the information of 15 U.S. Code 1637 is delivered 21 days before my creditor 's payment due date, which your company did not do.

As a consumer of my credit report, I have not received any written or electronic notification that my nonpublic personal information would be exposed to your agency, nor have I been given the opportunity to get out of the exposure, which is a violation of 15 U.S.

Code 6802. Throughout the course of this letter, your agency has broken multiple laws governed by the FCRA ; therefore, all late payments must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall XXXX The XXXX XXXX XXXX strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute 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 2025-10-27 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:
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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX, XXXX  I asked to transfer my {$800.00} back to my account. I tried to transfer that money back to my Citibank Saving account and to date they have not transfered that money. It shows that that money is In-process since that date.

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered into a retail installment contract that was later assigned to Westlake Financial Services. The original contract, prepared by XXXX XXXX, violated provisions of the Truth in Lending Act ( TILA ), including 15 U.S.C. 1605 and 1635, by ( 1 ) improperly including my {$3000.00} down payment within the finance charge instead of applying it to the total amount financed, and ( 2 ) failing to provide the federally required Notice of Right to Rescind.

I have exercised my right to rescind the contract under TILA due to these violations and have provided written notice to both XXXX XXXX and Westlake Financial. Despite this, Westlake Financial continues to demand payment and has issued a repossession notice threatening to seize the vehicle as early as XX/XX/XXXX, even though the validity of the contract is disputed and currently under rescission review. 

These actions constitute bad faith collection activity and may violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692f ( 6 ) ), which prohibits threatening repossession when there is no present right to possession. Under TILA 1635 ( b ) and Regulation Z ( 12 C.F.R. 1026.23 ), once rescission is exercised, the lenders security interest becomes void, and the borrower is no longer liable for payment or charges.

Westlake Financials continued threats to repossess the vehicle while a valid rescission claim is pending are unlawful and coercive. I am requesting federal and state review of these violations and immediate protection from further collection or repossession actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-10-27 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: AL

Complaint narrative:
This letter serves as notice that you are reporting inaccurate, unverifiable, and obsolete information in violation of the Fair Credit Reporting Act and other consumer-protection laws.

The following accounts are disputed for incomplete verification, inconsistent data reporting, or unlawful collection status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( all 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 Additionally, your bureau reports unauthorized credit inquiries from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX . These inquiries lack permissible purpose under FCRA 604 ( a ) ( 3 ) and reveal a GLBA 501 ( b ) data-security breach.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> two online transactions were made on my account not by me, both around {$850.00}. One was on XXXX  ( {$850.00} ) and the other on XXXX ( {$860.00} ). They were refunded. Then {$840.00} was withdrawn at an ATM somehow. I did not do this. And I had my debit card on me. I dont know who or how this withdrawal was made. Chase bank said they can not give me a refund because there was no failed PIN attempt. I was told I would be contacted by someone who could find the ATM video camera footage to prove it was not me. I have not been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am formally dispute the collection account from Midland Credit Management, account number XXXX and account number XXXX. Midland has not provided proof of ownership or documentation from the original creditor, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ).

In accordance with 611 ( a ) and 1681i ( a ) ( 5 ) ( A ) of the FCRA, any unverifiable collections must be removed from the credit reports maintained by XXXX XXXX XXXX XXXX 

I appreciate your prompt attention to this matter and look forward to your confirmation of the account deletion. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a full reinvestigation of all items reported, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and raises serious concerns regarding the integrity, accuracy, and reliability of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding Cash App / Block , Inc. for failure to investigate and refund {$5000.00} in unauthorized transactions to a merchant ( XXXX XXXX ). 

Despite providing evidence of fabricated expenses and fraudulent business practices, Cash App has not fulfilled its obligations under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. 1005.11 ).

Attached are two documents : - XXXX XXXX XXXX  I am requesting a formal investigation and refund of {$5000.00} as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-27 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:
Dear Equifax 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 - XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief