vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall 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 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Neighborhood Autos, LLC
State: TX

Complaint narrative:
I am filing this complaint because a creditor is inaccurately reporting an account on my credit report. The account shows a balance of {$11000.00}, but does not report any monthly payment amount, and the last reported update was XXXX XXXX XXXX  Additionally, the creditor has never reported any of my positive or on-time payments, nor have they reported payment frequency This incomplete and inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) Section 623, which requires furnishers to provide accurate and complete information. I have already disputed this with XXXX XXXX XXXX XXXX XXXX XXXX, but the reporting has not been corrected. 

I am requesting that the Consumer Financial Protection Bureau review this matter and require the creditor and credit bureau to either ( 1 ) provide complete and accurate reporting, including my positive payment history and correct monthly payment amounts, or ( 2 ) remove the account entirely if they can not verify the complete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
My credit report contains several inaccurate accounts and collections that has not been resolved following investigation

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 2025-10-22 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:
My credit report contains several inaccurate accounts and collections that has not been resolved following investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
Cherry Technologies Inc is reporting inaccurate and contradictory information on my credit report despite having FORFEITED status in XXXX  and lacking legal authority to conduct business or furnish credit data. 
FORFEITED BUSINESS STATUS - NO LEGAL AUTHORITY : According to official XXXX  Comptroller records ( XXXX  Taxpayer Number XXXX, verified XX/XX/XXXX ), Cherry Technologies Inc has " FORFEITED '' its right to transact business in the State of XXXX. An entity that has forfeited its business status can not legally : Enter into valid contracts Furnish consumer credit data Assign or transfer debts Conduct business operations in XXXX  Despite this forfeited status, Cherry Technologies continues to report information to XXXX  on my credit file ( Account : XXXXXXXX XXXX XXXX XXXX XXXX ), which violates FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) requiring accurate information from legally authorized furnishers. 
CONTRADICTORY AND IMPOSSIBLE REPORTING : The account contains mutually exclusive information that can not simultaneously be accurate : Remarks state : " PAID IN FULL/WAS A CHARGE OFF '' Balance shows : {$0.00} Status shows : " Sold ; was Charged-off '' Terms show : " {$0.00} per month '' ( inconsistent with installment loan ) Last payment : XX/XX/XXXX, yet account updated XX/XX/XXXX with no activity An account can not be both " paid in full '' AND " charge-off '' simultaneously. This demonstrates Cherry Technologies ' failure to maintain reasonable procedures for accuracy as required by FCRA Section 1681e ( b ). 
IMPROPER ACCOUNT TRANSFER : The account shows " PURCHASED BY ANOTHER LENDER '' effective XX/XX/XXXX, yet : I never received notification of any sale or transfer from Cherry Technologies I was never contacted by any subsequent creditor No validation of debt was provided This violates FCRA Section 1681s-2 ( a ) ( 2 ) requiring transfer notification PREVIOUS DISPUTE " VERIFIED '' DESPITE EVIDENCE : I previously disputed this account with XXXX. They " verified as accurate '' without addressing : The furnisher 's forfeited business status The contradictory reporting ( paid vs charged-off ) The lack of transfer notification The unverifiable account ownership I have filed a Data Privacy Complaint with the XXXX Attorney General 's Office ( Complaint XXXX XXXX regarding Cherry Technologies ' unauthorized credit reporting despite forfeited status. 
HARM CAUSED : As a 100 % XXXX XXXX veteran with congestive XXXX XXXX ( XXXX  ) and XXXX, this inaccurate reporting has caused : Denial of credit opportunities needed for financial stability Significant emotional distress exacerbating my medical conditions Ongoing damage to my creditworthiness and financial reputation Inability to access fair financial resources

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
I submitted all pertinent information to Experian, Equifax and Transunion for them to remove all accounts reflecting inaccuracies on my consumer report. They refused to properly investigate and did not respond within the time allotted. I demand that all information on attached reports be removed from my consumer report immediately.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX in relation to his account held with Evers Bank. My client has reported fraudulent activity that occurred on his account without knowledge or authorization on XX/XX/year> and the amount was {$17000.00}. Despite XXXX XXXX XXXX full cooperation and prompt reporting of these incidents, his account was subsequently restricted and subjected to adverse actions. We assert that XXXX XXXX bears no responsibility or fault for the unauthorized transactions in question. The resulting account restrictions have caused him undue hardship and reputational harm. Accordingly, we are taking legal steps to address these actions and to seek appropriate remedies under applicable consumer protection and banking laws. Evers Bank is hereby placed on notice that all further communications regarding this matter should be directed to my office. XXXX XXXX reserves all rights, claims, and remedies available to him under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I filed a dispute on my credit card against XXXX in XXXX XXXX due to overcharges. On XX/XX/XXXX, I reached an agreement with XXXX employee XXXX  XXXX that XXXX would accept the dispute in the amount of {$300.00} and this fact was communicated to Bank of America. Rather than ever asking me for more information, Bank of America decided the dispute against me even though the merchant had agreed to refund {$300.00} and never provided that refund. This is simply unbelievably poor investigation and customer service.

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 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-10-22 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: NY

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
I have a mortgage with XXXX XXXX XXXX My homeowners insurance premium was supposed to be paid from my escrow account, but XXXX XXXX to send the payment to my insurance company. 

Because of this, my homeowners insurance policy lapsed, and I temporarily lost coverage. I contacted both my insurance company and XXXX, but the lender has not resolved the issue or paid the premium. 

I request that XXXX immediately cover the missed payment, reinstate or reimburse the insurance, and ensure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXXXXXX 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 2025-10-22 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action. 
I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities. 
As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within 30 days. 
Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes. 
Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely. 
Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections. 
I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations. 
Thank you for your attention to this matter. I look forward to your swift response.

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 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I simply lost access to my account via Passkey ( not sure if it was my fault or theirs ). I submitted a ticket around or over a month and a half ago and I still can not get into my own account. Even to pay the balance etc. I have since submitted a couple other tickets that just seemed to get buried. Tried using the complaint feature ( another more fancy ticket ) and still nothing. They don't take calls except through XXXX XXXX XXXX support @ XXXX. It was hard to find for me anyways. They hark on emails but do not communicate as they should since they are " email only ''. It will be hard to continue to be a customer of theirs after this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief