vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 and in reference to potential noncompliance with the Metro 2 reporting standard.

I have previously disputed the negative reporting of late payments by XXXX XXXX XXXX on my credit report. The credit bureaus failed to provide me with any adequate documentation that proves the accuracy, completeness, or verifiability of these accounts, including full payment records and a Metro 2compliant audit trail. 

These accounts are continuing to harm my creditworthiness and limit my ability to qualify for essential financing. According to FCRA, if the furnisher or bureau can not verify the completeness or accuracy of the data, it must be deleted. 

Accounts in question : - XXXX Any and all accounts associated with XXXX XXXX XXXX Any and all accounts associated with XXXX I am requesting : 1. Full documentation of the alleged delinquencies, including payment ledgers.

2. A Metro 2 compliance audit for the data furnished.

3. Immediate removal of all unverified, outdated, or incorrect data associated with these accounts.

Furthermore, I am aware of the CFPBs XX/XX/year> lawsuit against XXXX  in which the agency alleges XXXX conducted sham investigations routinely accepting furnishers unverified responses, failing to inform consumers of the outcomes, and reinserting previously deleted tradelines in violation of FCRA and CFPA requirements. Accordingly, I request a thorough, good faith reinvestigation of the accounts I dispute including full Metro2 compliance documentation, clear communication of your findings, and a commitment that no previously unverified data will be reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because [ Experian/TransUnion ] is inaccurately reporting a bankruptcy and related account on my credit file and has failed to comply with the Fair Credit Reporting Act in several key areas.

I have disputed this bankruptcy multiple times and received a response from [ Experian/TransUnion ] stating that the account was verified. However, they have not provided any documentation or sufficient evidence supporting the verification of this public record, which violates several sections of the FCRA. 
In addition, I obtained written confirmation from XXXX, a known third-party public record data provider, that they have ceased all sharing or reporting of my bankruptcy information. I also have documentation and/or confirmation from the bankruptcy court that they do not verify information with credit reporting agencies. 
Despite these facts, [ Experian/TransUnion ] continues to report the bankruptcy and a connected account as included in bankruptcy, which is damaging to my credit profile and is being reported without proper or legal verification.

Relevant FCRA Violations : 1681i ( a ) ( 1 ) ( A ) : [ Experian/TransUnion ] failed to conduct a reasonable reinvestigation of the disputed information as required. They returned a generic verified status without demonstrating that a genuine investigation was performed.

1681i ( a ) ( 7 ) : After being asked to explain the method of verification, [ Experian/TransUnion ] failed to provide a description of the procedure used to verify the accuracy and completeness of the information. They are required to respond with specific details, including the party contacted, how they were contacted, and what documentation was used none of which were provided.

1681e ( b ) : The continued reporting of unverifiable or outdated information demonstrates a failure to maintain the maximum possible accuracy of my consumer file. XXXX has confirmed they no longer furnish this data, meaning the information being reported lacks a valid, verifiable source. 
Additionally, if [ Experian/TransUnion ] claims they used PACER, I must stress that PACER is a public access system, not a data furnisher or authorized verifier. Furthermore, federal courts have made it clear that they do not verify or report consumer data to credit bureaus.

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, over {$150000.00} in unauthorized transactions were made from my spouses Bank of America accounts during a medically confirmed manic episode. These transactions were the result of online scammers posing as investment agents, exploiting her mental health condition by convincing her to send withdrawal fees for fake crypto payouts. 

We discovered the fraud on XX/XX/XXXX and acted immediately. However, Bank of America agents repeatedly gave us false information, including telling us that fraud claims must be filed in person, which directly delayed our ability to report the fraud under Regulation E. For nearly two weeks, we were : Hung up on or transferred with no resolution Told the claims were not fraud Given contradictory instructions by multiple reps and supervisors Forced to sit in the branch for 3 hours just to file the dispute over speakerphone Despite taking immediate action, BofA mishandled our case and failed to support us through a vulnerable mental health emergency. This delay cost us access to paychecks, triggered late fees and credit damage, and caused emotional harm and business losses. 

We requested copies of the call recordings and internal notes ( XX/XX/year> ) from our phones to show we acted in good faith but were obstructed by the banks own systems and employees.

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 2025-06-17 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-17 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: CA

Complaint narrative:
I discovered multiple unauthorized hard inquiries on my credit report from companies to whom I never applied for credit and never gave permission to access my credit file. These inquiries include, but may not be limited to Under the Fair Credit Reporting Act ( FCRA ), no hard inquiry should be made without my explicit written consent. I have not authorized these companies to perform any credit check or open any account in my name. I take identity protection seriously and consider these inquiries to be a potential violation of my consumer rights.

I respectfully request that these unauthorized inquiries be immediately investigated and permanently removed from all of my credit reports. 

I also request that appropriate actions be taken against the companies involved for making such inquiries without my consent, as required by federal law. 

I am prepared to provide identification and additional documentation if necessary to verify this claim. 

Thank you for your time and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
This loan was originally serviced by XXXX and was later transferred to Mohela after my bankruptcy discharge. Mohela did not originate the loan and became the servicer only after the discharge was completed. 

Despite this, Mohela has reported the account as 120150 days late across multiple credit bureaus. They have also sent billing statements and delinquency notices after I filed a formal dispute on XX/XX/year>. On XX/XX/year>, I spoke with a Mohela representative who refused to acknowledge the active dispute ( however said they had it ) and insisted the balance was still due. I was told to upload documents on the website which I did. I received multiple demands for payment so on XX/XX/year> I sent an email to their servicing team with a copy of the bankruptcy discharge notice. I received XXXX notices on XXXX XXXX mail and email. I received another email XX/XX/year>. Mohela has double reported on my Equifax and on XX/XX/year> updated all three credit bureaus with 150 day past due. 

On XX/XX/year>, Mohela sent another billing statement demanding payment of {$1600.00}, including a {$1300.00} past due amount. This occurred while the account was still under dispute and after documentation of the bankruptcy discharge had been provided. 

Mohela 's continued derogatory reporting and attempts to collect violate the Fair Credit Reporting Act ( FCRA ) and may also violate the Fair Debt Collection Practices Act ( FDCPA ).

I have made multiple attempts to resolve this matter directly with Mohela, including a written dispute, email follow-up, and providing copies of my bankruptcy discharge. The company has continued to report the account inaccurately and has failed to mark the tradeline as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: VA

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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 2025-06-17 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: PA

Complaint narrative:
Hey my name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. Please removed those attached account I have with this complaint. For they do not belong to me. And it is Inaccurate reporting by furnishing this on my report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Hey my name is XXXX XXXX XXXX and this is not a 3rd party filing this complaint. Please removed those attached account I have with this complaint. For they do not belong to me. And it is Inaccurate reporting by furnishing this on my report. Thank you.

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX can not verify this account nor can they provide accurate information of the validity of this debt. I disputed XX/XX/XXXX through XXXX XXXX through Transunion, which I waited 30 days and dispute was approved. Southwest has not removed invalid account off my account. They refuse to change it. I spoke to XXXX  today XX/XX/XXXX and they recommended because I have disputed multiple times with this invalid account to file a complaint with consumer finance/trade commissioner due to this company not complying with fair housing credit report regulations laws. They are refusing to delete account even tho its been approved. I was told they arent doing anything or responding at all to make the changes on my account to reflect the deletion. I was told to call by transunion, so I could file complaint and transunion can delete collection since this company is not following through nor our they following consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a TD bank account and everything was going well until I tried to deposit only {$5.00} to XXXXXXXX XXXX XXXX XXXX. When I pressed submit, they said they locked my account and froze it becuase this was my first deposit. I called TD bank and they told me that this was normal and i shouldn't worry. So I went to sleep hoping the problem resolved. They next day I woke up and saw that i couldnt login into my TD bank account. I also got a email saying XXXX was suspended. I called them right away and they said they needed to verify my external bank account XXXXXXXX XXXX I went ahead to TD bank branch closest to me and the lady i talked to said they tried to verify that the external bank account was mine twice but they couldn't. She said it was fraud and froze my account. She also said i am permanently banned from using TD bank. I indicated that I had {$90.00} in that account and she said they would mail a check to me. Thankfully on the day I opened the TD bank account, I also opened a XXXX XXXXXXXX account just in case. Thankfully I also linked TD bank to my XXXX XXXX account. Now I requested the {$90.00} from my frozen and closed TD bank account to my new XXXX XXXX account and hopefully it works. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXXXX/XX/XXXX Experian

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXXXX/XX/XXXX Experian

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 2025-06-17 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: GA

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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My computer was hacked. When I opened my bank info a widow opened saying my account was being closed for non-use. It had a button to push to " reinstate ' the Account. I pushed the button. then realized I should have called the bank first. I closed my accounts and opened a new savings and checking. I got a letter from the bank saying my accounts were subject to backup withholding. My previous accounts were not. I called the IRS, they said they have no record of me being required to pay backup withholding. I called the bank back to tell them what the IRS told me. The bank said they are required to take backup withholding until notified by the IRS, they can not tell me how much they are taking, they said I could get it back from the IRS on my taxes. They have never given me a 1099 to do so. I called the IRS back to ask them to send documentation to the back to prove I have no debt to collect. I have tried many times to find the right person at the IRS to send info to the bank, they have had me on the phone for three hours and keep cutting me off.

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