vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the account listed below, reported by XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this account. 

Disputed Account Details : Creditor : XXXX XXXX XXXX Status : Charged Off Reported Balance : {$6500.00} Original Balance : {$22000.00} Past Due Amount : {$6500.00} Status Updated : XX/XX/XXXX Terms : 79 Months Responsibility : Joint Grounds for Dispute : Inaccurate Payment History Reporting The account shows 38 consecutive months of charge-off notations ( CO ), which is inconsistent with XXXX XXXX reporting standards and materially misleading. The XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Format Guide requires accurate, consistent, and non-duplicative reporting. Multiple consecutive CO notations are re-aging the debt in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Balance & Past Due Inconsistency The account is reported as charged-off, yet still reflects a past due balance of {$6500.00}. Once an account is charged off, there can not be an active past due balance under XXXX XXXX guidelines. This constitutes inaccurate credit reporting. 

Case Law Supporting Removal XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) held that the credit bureau must conduct more than a superficial investigation. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) inaccurate reporting of charged-off balances deemed misleading and in violation of the FCRA. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reporting misleading or incomplete information is unlawful under the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) If this account has been transferred, sold, or placed with a third-party collector, continued reporting by the original creditor may also violate 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Looking at my credit report seeing that I have credit card debt it's fraud I didn't get credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-08-16 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: SC

Complaint narrative:
I recently viewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I reported fraudulent use with chime checking account on XX/XX/year>2025. I was told I would receive a temporary credit with the investigation is on going. When I called customer service to get status they did Not help me get this resolved and the supervisor ended the call while we were in the middle of a conversation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
For the past 4 months I had been having issue with XXXXXXXX XXXX not updating their information with all XXXX credit bureaus in regards to my payment history and balance. That information has now been fixed with XXXX and XXXX. But I can continue to have this issue with TransUnion. I have been disputing with TransUnion only for them NOT to update the information and rejedt my dispute, even when I send in documentation of what my balance should be and have done so for the past 4 months. I need TransUnion to update my information. I am not sure why TransUnion is unable to update my information.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: GA

Complaint narrative:
I opened a new checking account with U.S. Bank in XX/XX/year>2025 and attempted to enroll in their advertised checking account promotion. One of the stated eligibility requirements was that applicants must not have an existing U.S. Bank checking account within the past 12 months. 

I closed my previous U.S. Bank checking account more than 12 months ago, so I met this requirement. However, U.S. Bank has refused to apply the promotional offer code to my account, claiming I am ineligible.

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 2025-08-16 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: CBC Companies, Inc.
State: VA

Complaint narrative:
am writing to formally dispute the accuracy and completeness of the account listed below, reported by XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this account. 

Disputed Account Details : Creditor : XXXX XXXX XXXX Status : Charged Off Reported Balance : {$6500.00} Original Balance : {$22000.00} Past Due Amount : {$6500.00} Status Updated : XX/XX/XXXX Terms : 79 Months Responsibility : Joint Grounds for Dispute : Inaccurate Payment History Reporting The account shows XXXX consecutive months of charge-off notations ( CO ), which is inconsistent with XXXX XXXX reporting standards and materially misleading. The Consumer Data Industry Association ( CDIA ) XXXX XXXX Format Guide requires accurate, consistent, and non-duplicative reporting. Multiple consecutive CO notations are re-aging the debt in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Balance & Past Due Inconsistency The account is reported as charged-off, yet still reflects a past due balance of {$6500.00}. Once an account is charged off, there can not be an active past due balance under XXXX XXXX guidelines. This constitutes inaccurate credit reporting. 

Case Law Supporting Removal XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) held that the credit bureau must conduct more than a superficial investigation. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) inaccurate reporting of charged-off balances deemed misleading and in violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reporting misleading or incomplete information is unlawful under the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) If this account has been transferred, sold, or placed with a third-party collector, continued reporting by the original creditor may also violate 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I purchased a pump from XXXX XXXX XXXX listed as an open box item. It listed pump only and rated XXXX star. Their star-rating system states that a XXXX item XXXX have cosmetic blemishes or missing packaging but will still include all required parts to operate. However, the pump I received was missing essential components and was not functional. 

I filed a dispute with Citi to contest the charge, explaining that the merchant misrepresented the item. Citi investigated and sent me a letter with their decision. 

Citi reapplied the charge to my account even though the merchant did not deliver a product that matched its description. An incomplete pump that can not function is not what was advertised. This makes the charge invalid, and Citis resolution does not align with the facts. 

I am requesting that Citi reverse the charge in full, as the merchant did not provide the product as described. 

Date purchased XX/XX/year> Amount XXXX Date received XX/XX/year> XXXX XXXX contacted about missing parts XX/XX/year> The pump is missing two parts to make it operational. Without these, the pump is 100 % non-operational. 

A controller valued at {$120.00} An energy supply pack valued {$120.00}

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 monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have filed a police report regarding the identity theft, and I have attached a copy of that report along with a valid government-issued photo ID and proof of address for verification. I am requesting the immediate removal and blocking of all fraudulent accounts, inquiries, and information from my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B. Please send me written confirmation once these fraudulent items have been removed from my credit report and provide a copy of my updated credit file. Thank you for your immediate attention to this serious matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$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 non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Dear CFPB, I am submitting a complaint regarding the inaccurate reporting of my student loan account. This account had previously been deleted from my credit file after an investigation but has now been reinserted without proper verification. 

This reinsertion violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) because no notice or new certified evidence was provided. The false reporting has caused a XXXX-point drop in my credit score, directly harming my ability to obtain credit. 

I am particularly concerned given the CFPBs ongoing litigation against this servicer for falsifying and inflating student loan accounts, which raises the likelihood of systemic misconduct. 

I am requesting the CFPBs assistance in ensuring that : The inaccurate account is permanently removed from my credit reports. 

The creditor provides written verification with original documentation if they claim the debt is valid. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, I sent Synchrony Bank a formal written request regarding a store credit card account. I specifically asked for : A copy of IRS Form 1099-C, if the debt was cancelled. 
Written confirmation of the current status of the account. 
Identification of the current creditor if the account had been sold or transferred. 
On XX/XX/year>, Synchrony Bank responded only by stating that they verified the account as correct with the credit reporting agencies. They did not address any of my specific requests. 
This response is problematic because : If a 1099-C exists, continuing to report the account as a charge-off is false and misleading.

If no cancellation has occurred, Synchrony must provide written confirmation instead of ignoring the request.

Their letter failed to provide verification of the debt, the creditor identity, or compliance with IRS and credit reporting requirements.

By refusing to provide the requested information, Synchrony is violating : IRS 26 USC 6050P requires a 1099-C for any cancellation of debt {$600.00}.

FCRA 623 & 611 prohibits furnishing incomplete or inaccurate information and requires a reasonable reinvestigation of disputes. 
FDCPA 809 requires debt collectors/creditors to provide clear, verifiable information upon request.

Synchronys investigation did not fix the error in my credit reports and failed to provide the legally required 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 2025-08-16 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: AK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> - Balance {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
This letter serves as a formal dispute of the above-referenced alleged debt and a request for validation. Please note that this is not an acknowledgment of liability. 

To the Debt Collector XXXX XXXX XXXX ( FDCPA 15 U.S.C. 1692g ) : I hereby request complete validation of this alleged debt. Specifically, provide the following : The exact amount of the alleged debt, including a detailed itemization of all interest, fees, and charges. 

The full name and address of the original creditor. 

A complete payment history and accounting showing how the balance was calculated. 

Copies of any and all signed contracts, agreements, or documents that prove I am legally obligated to pay. 

Documentation proving your authorization to collect in my state. 

Until such validation is provided in writing : You are prohibited from selling, transferring, or assigning this alleged debt. 

You must cease all collection activity, including reporting or continuing to report this account to any credit bureau. 

To the Credit Bureaus Experian, Equifax, and TransUnion ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account on my credit report. Under the Fair Credit Reporting Act, you are required to : Conduct a reasonable reinvestigation of this account. 

Verify the account with complete and accurate documentation from the furnisher ( XXXX XXXX XXXX ). 

Remove or correct the account if the furnisher can not provide sufficient evidence within the statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute & Debt Validation Request Account Name : XXXX XXXX  Account Number : XXXX Dear Experian, XXXX, TransUnion, and XXXX XXXX, This letter serves as a formal dispute of the above-referenced alleged debt and a request for validation. Please note that this is not an acknowledgment of liability.

To the Debt Collector MIDLAND CREDIT ( FDCPA 15 U.S.C. 1692g ) : I hereby request complete validation of this alleged debt. Specifically, provide the following : The exact amount of the alleged debt, including a detailed itemization of all interest, fees, and charges.

The full name and address of the original creditor.

A complete payment history and accounting showing how the balance was calculated.

Copies of any and all signed contracts, agreements, or documents that prove I am legally obligated to pay.

Documentation proving your authorization to collect in my state.

Until such validation is provided in writing : You are prohibited from selling, transferring, or assigning this alleged debt. 

You must cease all collection activity, including reporting or continuing to report this account to any credit bureau. 

To the Credit Bureaus Experian, Equifax, and TransUnion ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account on my credit report. Under the Fair Credit Reporting Act, you are required to : Conduct a reasonable reinvestigation of this account. 

Verify the account with complete and accurate documentation from the furnisher ( XXXX XXXX ) Remove or correct the account if the furnisher can not provide sufficient evidence within the statutory timeframe. 


I expect a written response within 30 days of receipt of this letter.

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