vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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I recently reviewed my credit report and discovered several entries that appear inaccurate, outdated, or unverifiable. After reviewing my files in detail, I am requesting an immediate deletion under my rights granted by federal consumer protection laws. 
The following items require review and deletion if they can not be fully verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-21 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: GA

Complaint narrative:
I am writing as a consumer who values accuracy and integrity in credit reporting. After reviewing my credit report, I noticed an account reported as a late open that does not accurately reflect the true history or timing of my payments. I have always taken my financial obligations seriously and believe this reporting may have been the result of an error or delay in data transmission. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a full reinvestigation and correction of this account to ensure my credit file accurately represents my payment behavior. 
XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
The reporting of this account has caused XXXX and disrupted my peace of mind. Documentation is enclosed for your immediate review and action.

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 2025-10-21 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: MI

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) concerning inaccurate and misleading reporting by one or more data furnishers and/or credit reporting agencies. 

Several of my closed and paid accounts are being reported inaccurately on my credit file. These accounts continue to include the remark Account previously in dispute investigation complete, reported by data furnisher, and/or are shown as Closed at credit grantors request, even though all were paid in full, closed in good standing, and never delinquent. 

This inaccurate reporting creates a misleading impression of my credit history and negatively affects my credit standing. 

The following accounts are in question : XXXXXXXX XXXX Account Type : Secured Loan Date Opened : XX/XX/year> Original Balance : {$510.00} Status : Paid, Closed/Never Late Issue : Still reported with dispute notation and Closed at credit grantors request. 

XXXX XXXX Account Type : Revolving Credit Account Status : Paid and Closed in Good Standing Issue : Continues to reflect a dispute remark and/or Closed at credit grantors request, despite being current and accurate. 

XXXX XXXX Account Type : Installment Loan Status : Paid and Closed/Never Late Issue : Listed as previously in dispute and closed by grantor, which is inaccurate. 

I have previously disputed these items directly with the credit bureaus ( Experian, Equifax, and TransUnion ). While investigations were marked as complete, the inaccurate remarks remain. These outdated or misleading designations harm my creditworthiness and violate the FCRA 607 ( B ) and 611, which require consumer reporting agencies and furnishers to ensure maximum possible accuracy. 

I am requesting that the CFPB : Investigate the data furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the credit reporting agencies responsible for this inaccurate reporting. 

Require removal of all inaccurate dispute, investigation complete, and closed at credit grantors request remarks that no longer apply to these closed, paid accounts. 

Ensure the credit bureaus update my files with accurate and verified information. 

Provide written confirmation of corrective actions and updated reports.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against several entities for inaccurate and misleading information being reported on my credit report. These errors are causing serious harm to my credit profile and financial standing. I have already attempted to dispute these inaccuracies with the credit bureaus, but they remain unresolved. 

The following items are incorrect and must be investigated and removed immediately : Wrong Address Listed : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX This is not my current or previous address. It appears on my credit report without authorization or any verifiable connection to me. This error suggests possible mixed or incorrect file reporting, which violates the accuracy provisions under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 607 ( B ). 

Inaccurate Account Reporting : XXXX XXXX ( Account No. XXXX * * * * ) * * Reported with late payments despite showing a {$0.00} balance. This is factually inconsistent and misleading. 

XXXXXXXX XXXX ( Account No. XXXX ) * * Also reflects late payment history with a {$0.00} balance, which is contradictory and damaging. 

XXXX XXXX XXXX ( Account No. XXXX * * ) * * Reported as Charge-Off with an alleged balance of {$33000.00}. This item is inaccurate and unverifiable, and I demand validation under FCRA 611 and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX ( Inquiry Dated : XX/XX/year> ) This inquiry was not authorized by me and must be removed under FCRA 604 ( a ), which requires permissible purpose for all inquiries. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 607 ( B ) : Mandates maximum possible accuracy. 

Section 611 : Guarantees the right to dispute and correct inaccurate information. 

Section 623 ( a ) : Prohibits furnishers from reporting false or unverifiable data. 

I request the CFPB to conduct a thorough investigation into these accounts and ensure that the credit bureaus and furnishers : Delete or correct all inaccurate items listed above. 

Remove the wrong address immediately from my credit profile. 

Provide me with written confirmation of all corrections made.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has XXXX to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX...., XXXX  XXXX XXXX....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a {$21000.00} legal settlement check into my Bank of America account on XX/XX/year>. 
The bank placed a hold and initially stated funds would be available on XX/XX/year>. 
Afterward, they changed the date without notice and claimed they believe the check may be returned. 

Issue : The written hold notice ( attached ) states only, We have information indicating the check ( s ) may be returned. 
No specific reason or supporting information was provided. 
Under Regulation CC 229.13 ( e ), a bank must have reasonable cause to doubt collectability and must provide specific factual information justifying the extended hold. 
Bank of Americas generic notice does not meet these requirements. 

The issuing bank has confirmed that the funds cleared, yet Bank of America continues to delay release. 

Requested resolution : Immediate release of the held funds, confirmation that Bank of America will comply with Regulation CC disclosure rules, and reimbursement for any inconvenience or financial harm caused by the improper delay.

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 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
This account has created considerable anxiety and disrupted my ability to sleep. I have attached all necessary proof and ask for its prompt removal.

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 2025-10-21 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: SC

Complaint narrative:
I am following up on my prior complaints regarding multiple inaccuracies on my credit report that continue to negatively affect my creditworthiness. These errors violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ), which require accuracy and proper reinvestigation of disputed information. 
My report lists several inaccurate addresses and employers, including : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) None of these entries are correct. 
Additionally, the following accounts are reported inaccurately : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  marked late/closed with {$0.00} balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed as a charge-off with {$0.00}

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Date Paid : XX/XX/year> Amount : {$3200.00} Account : XXXX I am writing in response to a complaint I filed regarding a debt collection agency that is willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, which addresses civil liability for willful noncompliance. 
The debt in question has been paid in full, and I have documentation to support this. Despite this, the debt collector continues to report the account as unpaid or delinquent to XXXX or more consumer reporting agencies. I have made multiple attempts to contact the agency and request that they update or remove the inaccurate information, but they have failed to take corrective action. 
The continued reporting of a paid debt as unpaid is not only inaccurate but also harmful to my credit profile and financial well-being. This constitutes a willful violation of the FCRA, as the agency has been made aware of the error and has chosen not to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
A debit card was mailed and sent out to an old address that I resided at years ago. On XX/XX/2025 I went to Wells Fargo to ask them about this account that was opened fraudulently. They stated that it was closed immediately and someone would contact me within 2 business days to give me further information. No one has contacted me. The representative from Wells Fargo told me that someone opened it online. However, someone had to approve for this debit card to be mailed out and for this account to be opened. The representative was unable to tell how it happened or who approved it. This is pure negligence of the bank. I have never banked with Wells Fargo ever!

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 2025-10-21 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:
I am writing to request the removal of the bankruptcy information from my credit report Ref # XXXX. Please note that the disclosure of this bankruptcy is not authorized, and therefore it should not appear on my credit file. I kindly ask that you investigate this matter and ensure the removal of the bankruptcy record at your earliest convenience.

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 2025-10-21 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 sending as a responsible consumer who takes great pride in maintaining the accuracy and integrity of my financial history. While reviewing my credit report recently, I came across an entry that I had no knowledge of and did not authorize, which left me feeling both concerned and unsettled. This experience made me realize how important it is for my credit file to reflect only information that is verified and legitimate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, unauthorized, or unverifiable, and to ensure that my credit report accurately reflects only authorized and verified activity. I am taking action to protect both my financial standing and peace of mind. 
XXXX XXXX XXXX XX/XX/year>

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 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was sent a american express card with a balance of XXXX and in XXXX XXXX I signed for it and once I got it it said my card been canceled by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America accused me of committing fraud because I deposited a company check into my personal bank account and closed my account I wasn't aware it was an issue and it has caused me a negative impact on my credit and financial hardship i own this company

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 2025-10-21 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:
XXXX XXXX XXXX XXXX, Georgia  XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA  XXXX Subject : FORMAL DISPUTE FRAUDULENT AUTO LOAN ACCOUNT REPORTED TO EQUIFAXSSN : XXXX : XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute and demand immediate removal of a fraudulent auto loan account that appears on my Equifax credit report XXXX The account in question was opened without my knowledge or authorization, and I have never applied for or agreed to such a loan. 
This is a clear case of identity theft and must be treated as such under both federal and Georgia state law. 

Details of the Unauthorized Account : * Creditor Name : XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX * Balance : {$11000.00} LEGAL BASIS FOR THIS DISPUTE : * Under XXXX. XXXX ( Georgia Identity Theft Statute ), using another individuals personal identifying information to obtain credit is a felony. 
* Pursuant to O.C.G.A. 16-9-127, any credit reporting agency that continues to report a fraudulent account after notice may be liable for civil damages. 
* I am also invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit bureaus investigate and correct disputed information within 30 days of receiving a dispute. 
* Additionally, reporting inaccurate or unverified data after being notified is a violation of FCRA 1681e ( b ), and I will hold Equifax legally accountable if this is not resolved immediately. 

DEMANDS : 1. Immediate deletion of the fraudulent auto loan account from my Equifax credit file. 
2. Written confirmation of removal and results of your investigation within 30 days, as required by law. 
3. Suppression of re-reporting of this account by any third-party furnishers unless full legal proof of my consent is provided. 
4. All records related to your investigation, including communications with the original creditor. 

If you fail to investigate or remove this fraudulent account, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General, and the Federal Trade Commission ( FTC ). I will also pursue legal action for damages resulting from your continued publication of false and defamatory credit data in violation of both state and federal law. 
I demand that Equifax comply fully and respond in writing within 30 days from the date you receive this notice. This matter is urgent and legally actionable. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kenneth E. Davidson, Attorney
State: CO

Complaint narrative:
Was never informed of a court date therefore I missed it they were award a default judgment. I attached an invoice from a vendor who I was told did the work and as you can see in the text messages the never did the work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me severe emotional discomfort and sleeplessness. Documentation is attached to support my urgent request for deletion.

Company response to consumer: Closed with explanation