vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. Under penalty of perjury I swear this account is false and misleading 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 2025-09-24 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: LA

Complaint narrative:
Finance fraudulent account Fraudulent Inquiries Identified XXXX XXXX XXXX XXXX Legal Basis for Immediate Deletion Under FCRA 605B ( 15 U.S.C. 1681c-2 ) : Consumers who provide a valid identity theft report are entitled to block and have permanently removed any fraudulent information from their credit reports. 
Consumer reporting agencies must honor this request within XXXX business days of receipt. 
Additionally : 15 U.S.C. 1681i & 1681s-2 ( b ) : Reporting the same debt twice under different furnishers is inaccurate, misleading, and unlawful.

15 U.S.C. 6802 ( GLBA ) : Protects consumers against unauthorized disclosure and use of personal information.

Relief Requested I am requesting the CFPBs intervention to ensure that : XXXX. All fraudulent accounts and inquiries listed above are immediately deleted from my Equifax, Experian, and TransUnion reports. 
XXXX. XXXX XXXX and XXXX XXXX XXXX duplicate/double reporting is permanently removed and not reinserted under any variation. 
XXXX. Furnishers are ordered to cease reporting these accounts permanently. 
XXXX. All credit bureaus provide me with updated, corrected credit files confirming deletion. 
Attached : FTC Identity Theft Report ( XXXX XXXXXXXX ) Proof of Address & Identification Declaration : I affirm under penalty of perjury that the information provided is true and correct to the best of my knowledge.

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 2025-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am disputing the inaccurate reporting of a XXXX late payment in XX/XX/year> on my Bank of America credit card XXXX Account ending in XXXX ). 
This information is false and damaging to my credit profile. I made the XX/XX/year> payment in person at a Bank of America branch, and I have attached a copy of my bank statement confirming that the payment cleared on time. 
Despite providing proof, the late payment remains on my file. This is a violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 611 The credit reporting agency failed to conduct a reasonable reinvestigation of my dispute.

FCRA 623 ( a ) ( 1 ) ( A ) Bank of America furnished false late payment information.

FCRA 623 ( b ) ( 1 ) Bank of America failed to investigate and correct after being notified of my dispute.

FCRA 607 ( b ) The credit reporting agencies failed to ensure maximum possible accuracy of my credit 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 2025-09-24 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to properly investigate and correct inaccurate information on my credit report, despite multiple written disputes. TransUnion verified disputed items without a reasonable reinvestigation and did not provide supporting documentation.

TransUnion continues to report inaccurate and/or fraudulent tradelines ( false balances, dates, payment history ). I requested details of the reinvestigation and documentation but did not receive complete records.

Violations : FCRA 611 ( failure to conduct a reasonable reinvestigation ), FCRA 609 ( failure to provide disclosure of information used ), FCRA 607 ( b ) ( failure to assure maximum possible accuracy ), and FCRA 623 ( failure to correct after disputes ). 

These errors have caused credit denials, higher interest rates, reputational harm, and significant time loss. I am attaching a summary PDF and exhibits ( dispute letters, certified mail receipts, TransUnion responses, affected credit reports, and adverse action notices ).

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 2025-09-24 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: FL

Complaint narrative:
It is very upsetting that these inaccurate accounts continue to appear on my credit reports, even though they should have already been removed. I am begging that the documents Ive provided be looked at carefully, so I can finally find some relief and peace of mind.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-09-24 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in 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 explanation
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXXXX/XX/year> : I never authorized these inquiries. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX OF XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX  XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX  : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX  Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX  : Account number : XXXX, Inaccurate. 
XXXX XXXX Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXXXX/XX/year> : I never authorized these inquiries. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX OF XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX  XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX XXXX XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX  : Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX | XX/XX/year> : I never authorized these inquiries. 
XXXX XXXX XXXX  Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX  : Account number : XXXX, Inaccurate. 
XXXX XXXX Account number : XXXX, Inaccurate. 
XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a car with XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl and they sold to west lake financial not sure how it went but they restarted loan on my credit and forced my signature like I signed a contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
I expect the company to do what is fair to me as a consumer by deleting and updating my credit report. Inaccurate information is being reported and it has caused me multiple denials and severe mental anguish. Please correct or I will seek litigation if necessary!

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 2025-09-24 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: AL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am trying to file a complaint with chime or XXXX XXXX i seen someone advertising it i want to know is it real

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
I am the victim of identity theft and have placed extended fraud alerts and security freezes with all three major credit bureaus. Despite this, the bureaus have reinserted or continued reporting accounts that were previously disputed and removed. 
The accounts in question include, but may not be limited to : Dept. of EducationXXXX ( XXXX XXXX XXXXXXXX ) GreenState Credit Union Credit Card XXXX XXXX XXXX XXXXXXXX ) GreenState Credit Union Auto Loan XXXX Account XXXX XXXXXXXX ) Violations Identified : FCRA 611 ( a ) ( 7 ) : No valid Method of Verification was provided after disputes. My report reflects dispute resolved consumer disagrees without documentation of how verification occurred. 
FCRA 609 ( a ) ( 1 ) : I requested documentation ( original signed contracts, chain of assignment, payment history ). No such records have been provided.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers have supplied inaccurate and unverifiable information, including future-dated balance updates that are factually impossible.

FCRA 607 ( b ) : Failure to ensure maximum possible accuracy. Example : XXXX loan coded with a XXXX term, inconsistent with federal loan structures. 
FACTA & GLBA ( Gramm-Leach-Bliley Act ) : Mishandling of my private, sensitive identifying information has occurred by allowing fraudulent tradelines to reappear after deletion. This reflects a failure to safeguard my personal data. 
Willful Noncompliance : Continuing to report accounts that can not be verified exposes the bureaus to liability under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX. From my XXXX  online bank acct I sent {$1.00} online to make sure it would be credited to my XXXX  One Main Financial CC account and they admit they received that. 
XXXX XXXX XX/XX/XXXX I sent {$160.00} and XX/XX/XXXX {$100.00} payments on this XXXX account. XXXX reported both payments had been received, but XXXX shows no payments received. 
XXXX OneMainFinancial continues to add fees and interested to this account even though I have send XXXX emails XXXX ) to correspondence dept and XXXX ) CC account both showing that their bank/CC had been paid by BoA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Four years ago, my mobile phone was stolen. I immediately reported the device loss to my wireless carrier and remotely wiped the phone but later discovered that my Zelle profile remained active and linked to my stolen device.

I contacted Early Warning Services ( the operator behind Zelle ) immediately to report unauthorized access attempts and request that my Zelle account be blocked or transferred to a new device. The representative confirmed the account was restricted but refused to explain the specific reason or evidence that triggered the block.

Since then, I have made three follow-up calls and provided all requested informationincluding proof of device loss and identity verificationbut received no timeline, process steps, or escalation path for reinstating my account. As of today, I remain unable to send or receive any Zelle payments, which has prevented me from paying rent, splitting bills with family, and covering other routine expenses.

Early Warning Services has offered no meaningful resolution, citing only an internal policy that allows them to terminate service at their discretion. Given Zelles dominant position in person-to-person banking and the lack of alternative providers integrated into most U.S. banks, this unrestricted blocking without process is both unfair and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Violations of Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) The presence of the inaccuracy due to Equifax and XXXX  Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed permanently. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Equifax has reinserted negative information on my credit file again after deletion, without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Equifax compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent item is removed again and not be reinserted or I will go legal : XXXX XXXX XXXX XXXXXXXX Account : Account Number : ( # XXXX ) : Reported Balance : {$21000.00} : Reported Open Date : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My debit card was declined when I tried to use it in an online purchase. I called BMO customer service and was told that my card had been purged from the bank 's system due to inactivity. BMO representative said that the bank had notified me in the past that my debit card was being purged for inactivity. But the BMO rep could not tell me when and how I had been contacted -- no record on the bank 's side. This checking account is active with monthly withdrawls of mortgage payments, so there was no reason to deactivate my debit card.

Bottom line : I could not gain access to my funds via one of the bank-provided methods -- i.e., my debit card -- because of hype fraud control policies. This should not have happened. The bank should have looked at activity on the account, not activity on the card. 

My inability to use my debit card when I wanted to cost me money because I was unable to fulfill a time-sensitive purchase.

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