vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
XXXX XXXXXX/XX/1151 XXXX XX/XX/year> EXPERIAN ExperianXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute certain information that appears on my credit report dated [ insert date of credit report ]. I have reviewed my report and noticed several inaccuracies that I believe are affecting my credit score and overall financial standing.

1. Closed Accounts : I have observed accounts that were closed, and yet they still appear as open. This is incorrect information and could mislead potential creditors regarding my creditworthiness. 

2. Unrecognized Accounts : I also find accounts listed under my name that I do not recognize. These accounts may potentially be a result of identity theft or reporting errors, which require immediate attention. 

According to the Fair Credit Reporting Act ( FCRA ), which governs the responsibilities of credit reporting agencies, I am entitled to dispute information that I believe is incomplete or inaccurate. Under Section 1681i of the FCRA, you are required to investigate my disputes and correct any inaccuracies within 30 days of receiving this letter.

Furthermore, the Fair Credit Billing Act ( FCBA ) also provides me with the right to dispute inaccurate or unauthorized charges, which can extend to accounts listed on my credit report. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXXXX/XX/2025XX/XX/year> I would appreciate your prompt attention to this matter and expect a written response regarding the outcome of your investigation within the timeframe specified by the FCRA. 

Thank you for your cooperation. 

Sincerely, 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I filed a previous complaint against BoA regarding their inability to properly execute their own autopay processes ( XXXX ). 

As part of that I paid off the amount I had charged to the credit card, closed the account and filed the complaint with CFPB. 

On XX/XX/XXXX BoA used autopay (! ) to pull what they claim to be the full amount with interest and fees ( {$8100.00} ) - ignoring the payment I had already made for {$8000.00} on XX/XX/XXXX. I called them XX/XX/XXXX and they immediately recognized they owe me money. They claim they are processing the refund of {$8100.00} - but it could take up to 10 days. 

How is that they can fail to implement their own autopay process, ignore payments that were made, and then once it is convenient for them, improperly implement autopay to take over {$8000.00} that they float for 10 days?

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 2025-11-18 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against TransUnion and Equifax regarding their continued reporting of inaccurate information and their failure to conduct a lawful and reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ). This complaint is specifically in reference to the recent lawsuits and findings regarding the credit bureaus use of XXXX XXXX XX/XX/XXXX which deprive consumers of fair, thorough, and compliant dispute investigations. 

On XX/XX/year>, I submitted a dispute regarding the following account : Company : XXXX XXXX XXXX : TransUnion & Equifax Dispute Date : XX/XX/year> Despite my timely dispute, TransUnion and Equifax failed to conduct a proper investigation as required under Sections 1681i ( a ) and 1681e ( b ) of the FCRA. The continued reporting of this account without carrying out a meaningful reinvestigation constitutes a direct violation of federal law and aligns with the bureau behavior highlighted in recent lawsuits addressing unlawful sham dispute handling practices. 

Because the bureaus did not conduct a legitimate, good-faith investigation, the account must be immediately removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am writing to dispute items on my Experian credit report that I believe are inaccurate or incomplete. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested for All Items : Please verify the accuracy of each account and inquiry. Remove or correct any information that can not be fully verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XX/XX/XXXX Equifax XXXXXX/XX/XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc.
State: MT

Complaint narrative:
Yesterday on XX/XX/2025 I agreed to pay {$50.00} a month to settle my medical debt. They agreed and took my first payment and then today on XX/XX/2025. They called me and told me that {$50.00} a month would not be enough and if I did not agree to pay half this month and half next month that they would continue to pursue legal action, even though they agreed to a payment plan and gave that payment plan to me in writing The collections agency is CB1 out ofXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am writing to dispute certain items on my TransUnion credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts in dispute : Inquiries XXXX 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 2025-11-18 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: IN

Complaint narrative:
My requests to correct or remove false and inaccurate information on my credit report continue to be denied or disregarded. As a consumer, I understand my rights, and those rights are being violated by the reporting of information that is not assured to be at the maximum possible accuracy. These inaccuracies are harming my credit score and negatively affecting important aspects of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi bank decided to close my account recently and said they would send a check for my remaining balance. After waiting for weeks with no access to my money I finally received a check. The check was missing {$52.00} from my remaining balance and when I called to ask why, I was told that it was a bonus from SoFi and they were taking it back. I have never heard of any thing like this in all my years of life and the customer service experience is just awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am not associated with these accounts ; please clear them within 15 days in line with USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello, I am submitting a formal dispute and complaint regarding a withdrawal Chime made from my connected bank account in XX/XX/XXXX. I was never notified that I owed Chime a {$53.00} repay balance from XX/XX/XXXX. I never authorized Chime to withdraw funds from my checking account. 
I was not informed of any new policy that started this month allowing such withdrawals, nor did I agree to it. I have transferred money through my Chime account for the past two years with no indication that I owed anything. 
When I called support, I was told the transaction was non-reversible, that I could not file a complaint or dispute and the supervisor did in fact tell me he already took notes and that a complaint was something I could not do since he had notes and then he disconnected our call I am requesting : A regulation E dispute investigation into this withdrawal. A copy of the notice or agreement showing that I authorized Chime to withdraw funds from external accounts. 
A reversal of the unauthorized withdrawal and correction of my negative balance. 
A formal complaint logged regarding the conduct of the supervisor. 
Please confirm receipt of this dispute. 
Thank you. 
( XXXX XXXX ) ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: TN

Complaint narrative:
A collection agency is attempting to collect a debt that is not mine. The debt is tied to a college in a state I have never lived in and never attended. I believe this debt was created through identity theft or fraud. 

I submitted a written dispute requesting verification under the FDCPA. The collector responded simply that the debt is owed, but has not provided : Any signed contracts Enrollment records Evidence I lived in that state Itemization of the amount Proof they have the right to collect Any documentation showing this debt belongs to me This does not meet verification requirements under federal law. 

I am requesting the CFPBs assistance to : XXXX. Require the collection agency to provide full documentation or remove the debt. 
XXXX. Stop collection activity on an account that is clearly fraudulent. 
XXXX. Ensure the collector does not continue reporting this inaccurate information to credit bureaus. 

What resolution I want : Immediate cessation of collection activity Removal of the fraudulent account Written confirmation that the debt has been deleted Investigation into the collectors failure to properly verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to file a complaint against American Express. I purchased a XXXX bike back to XXXX. Among XXXX. Within one year, the rear wheel was destroyed, but the merchant did not provide the warranty service as promised. 

I contacted American Express to dispute the transaction. Three months ago, they closed the case by issuing a {$300.00} credit without proper notification or explanation. I recently contacted them again to reopen the dispute, but they refused, claiming the case had already been resolved. 

American Express 's handling of this dispute was unfair and did not comply with their own policies. I request that the XXXX investigate this matter and help me obtain a full refund. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following charged-off accounts on my Equifax credit report. The account details are as follows : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my credit report provided by your agency. After reviewing my credit file, I found the following discrepancies that require immediate investigation and correction, as per the Fair Credit Reporting Act ( FCRA ). I request your prompt attention to these issues and a correction within the 30-day period. 
Disputed Accounts : 1. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Positive Issue : This account is inaccurately reported as " positive '' when it should be classified as " charged off '' due to late payments over 90 days. The payment history is not accurately reflected. 
XXXX. Account : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Closed Issue : This account is reported as charged-off despite being paid in full. This misclassification violates FCRA Section 605. Please ensure that it is updated to reflect the correct status. 
FCRA Violations : Inaccurate Reporting : As per FCRA Section 605, accounts should be reported accurately, including the correct charge-off status and payment history.

Failure to Report as Paid in Full : Under FCRA Section 605 ( b ), accounts that are fully paid must be updated to reflect " paid '' or " settled '' status. 
Data Breach Concerns : I believe these errors may be linked to unauthorized access or a data breach, as outlined in FCRA Section 603.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift 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