vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this sixth follow-up complaint as a concerned consumer regarding multiple accounts that continue to be inaccurately reported on my credit file. Despite several prior disputes, these items remain on my report, misrepresenting my financial history and damaging my credit reputation. I am formally requesting their permanent removal under my rights established by the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being reported inaccurately : XXXX  XXXX XXXX, Balance Owed : {$22000.00} reported as Charged Off. No IRS Form 1099-C or supporting documentation has been provided to verify this debt. Reporting a charged-off account without proper documentation violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} reported as Charged Off. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} reported as Charged Off.

In addition to these account inaccuracies, my credit file includes multiple unauthorized or unverifiable inquiries, which were not initiated or approved by me. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries are being reported in violation of FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), which prohibit access to a consumers credit file without permissible purpose, and FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking or removal of unverifiable or unauthorized 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 2025-10-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting inaccurate late payments during periods where my federal student loans were in administrative forbearance and not in active repayment. Due to federal XXXX relief measures, payments and interest were paused in multiple periods beginning in XXXX. Because the loans were not due during these times, late payments should not have been reported. 

However, my credit reports show late payment notations in XXXX and XXXX. For example, XXXX loan shows XXXX  days late in XXXX through XX/XX/XXXX, even though the loan was still under administrative suspension. Another XXXX loan shows a Current status on XXXX bureau while simultaneously showing XXXX days late on other reports for the same months. These conflicting reporting statuses can not both be accurate. 

I did not receive billing statements requiring payment during any of the reported delinquency periods. I did not miss payments that were due. When payments resumed, I engaged with the servicer to verify repayment terms. Despite this, negative payment history was furnished that does not match loan status. 

These errors are harming my credit and appear to be violations of FCRA accuracy requirements and federal student loan reporting rules during emergency relief forbearance. I am requesting that the late payments be removed and that all reporting be corrected to accurately reflect the actual repayment status and protections in place during the affected dates.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this complaint regarding an improper ACH debit transaction by XXXX XXXX ( XXXX ) that caused my entire paycheck to be withdrawn, creating financial hardship. 

On XX/XX/year>, an automatic payment of {$190.00} was processed by XXXX from my bank account ( Bank of America, Account XXXX ending in XXXX ]. My account balance at the time was - {$2500.00}. Previous XXXX payment attempts had failed, but XXXX continued to retry the ACH debit endless times, even though my account was already deeply in the negative. 

These repeated retries resulted in my entire paycheck being withdrawn, leaving me unable to cover essential expenses such as my car payment, insurance, and rent. I am now facing eviction because I was depending on that paycheck. XXXX XXXX completely ate that in seconds. Temporary reversals occurred for other transactions, but the {$190.00} payment to XXXX strangely remained deducted. I did not authorize multiple retries that would overdraw my account to such an extent. 

The repeated ACH debits were improper under NACHA/ACH rules, as they exceeded the authorization limits and caused undue financial harm. Somehow my bank allowed the final debit to post despite insufficient funds, which suggests either overdraft handling or improper processing. I have contacted both XXXX and Bank of America to request a reversal, but the issue has still not been resolved. 

Requested Resolution : 1. Immediate Reversal of the {$190.00} ACH debit to restore my funds 2. Assurance that XXXX will NOT perform unauthorized repeated retries in the future 3. Investigation into XXXX  ACH practices and Bank of Americas handling of repeated ACH debits This situation has put me at risk of eviction and financial instability. I request that your office investigate this matter in restoring the funds improperly withdrawn from my account. I will also be contacting the Attorney Generals office and the respective state banking regulators for both XXXX and Bank of America 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 explanation
Consumer complaint received 2025-10-27 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: KS

Complaint narrative:
On XX/XX/2025 I made a purchase at XXXX XXXX for {$290.00}. The item proved to be defective so I immediately returned it. XXXX XXXX said they refunded the purchase price. I waited several days and the credit did not show up but the purchase cleared. I then filed a dispute with CitiBank for that purchase. Several day later the XXXX XXXX credit showed up so I withdrew my dispute. Since I withdrew my dispute Citibank is now telling me that all monies for this transaction with XXXX XXXX are being sent back to XXXX XXXX. During this process Citibank has made multiple adjustments to this XXXX XXXX transaction and I can not keep track. I have attempted to contact Citibank but they have converted to a non-human system that half the time information has to be repeated multiple times. If you are lucky to get a live person the accent makes it impossible to understand. All I want is a detailed account of all transactions on my Citibank Credit Card since XX/XX/2025. Including credits and chargebaks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2025-10-27 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: UT

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX  Bankruptcy Discharged XX/XX/XXXX XXXX XXXXXXXX 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 Bankruptcy Discharged XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} Original Creditor XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$240.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance {$1800.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$220.00} Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$820.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged XX/XX/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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Date starting XXXX XXXX at XXXX XXXX  source admin web and sent to cardholderhigh risk verified over the phone with csr that is what stated in the letter I recieved that BANK OF AMERICA XXXX XXXX keep denying my claim that I didnt do or use in my account also dat XX/XX/XXXX XXXX again this happened stating the same thing both transactions are XXXX an some how I cant retrieve my funds this is acceptable I been trying to figure this out for the last 5 yrs starting to run out of options

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX Account Number : XXXX You Are Now in Violation of Multiple Federal Laws : FCRA 1681e ( b ) You must report only accurate and complete information. Reporting a late payment without verifying proper notice is inaccurate.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report responsibly. Reporting a consumer late without notice is irresponsible and unlawful.

FCRA 1681i ( a ) You are required to reinvestigate disputed items. If no supporting documentation exists, the item must be deleted.

15 U.S.C. 1666B Late fees and penalties can not be imposed unless the consumer is properly notified of due dates in a timely manner. Failing to meet this standard qualifies as a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RC Willey
State: CA

Complaint narrative:
I requested a chain of title, validation of debt and which this company did not provide legal documentation on this issue, and there were also inaccuracies under XXXX metro characters positions : XXXX, XXXX, XXXX, XXXX, and XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TekCollect Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards.

This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX Formal Request for Debt Validation and Removal of Unverified Account from Credit Report Dear CFPB Representative, I am writing to formally request an investigation and enforcement of my rights under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * * and the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * * regarding a collection account that is being inaccurately and unlawfully reported on my credit file. 

I recently obtained a copy of my credit report and noticed an entry from [ XXXX XXXX ], reporting a debt allegedly owed under account number [ XXXX ]. I do not have any record of this debt, nor have I ever received proper validation as required by federal law. 

Under the FDCPA, * * Section 809 ( 15 U.S.C. 1692g ) * *, a debt collector is required to provide written verification of the alleged debt, including : 1. The name of the original creditor ; 2. The amount of the debt ; 3. Documentation showing the debts validity and my legal obligation to pay it ; 4. Proof that the collection agency has the legal right to collect this debt To date, this information has * * not been provided * * by the collector or verified by the credit reporting agencies ( * * TransUnion, Experian, or Equifax * * ). Reporting or continuing to report unverified information violates the * * FCRA Section 611 ( 15 U.S.C. 1681i ) * * and * * Section 623 ( 15 U.S.C. 1681s-2 ) * *. 

I am requesting that the CFPB investigate this matter and ensure that any account which can not be fully verified is * * immediately deleted * * from my credit report with all credit reporting agencies. I have enclosed copies of my identification and credit report highlighting the disputed account for reference. 

Please provide written confirmation of the results of your investigation and any actions taken. I appreciate your time and attention in helping ensure the accuracy of my consumer credit information. 

Sincerely, 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 2025-10-27 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: NY

Complaint narrative:
I am submitting this fourth follow-up complaint as a concerned consumer regarding multiple inaccuracies on my credit report that continue to misrepresent my financial history. Despite previous disputes, these accounts and inquiries remain, and I am requesting their permanent removal under my rights protected by federal law. 
The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} reported inaccurately and does not reflect my true financial history. 
XXXX XXXX XXXX Balance Owed : {$0.00} reported inaccurately as negative. 
Reporting these accounts violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 605B ( 15 U.S.C. 1681c-2 ). I request that these accounts be permanently deleted. 
XXXX XXXX XXXX, Balance Owed : {$0.00} inaccurately reported as XXXX XXXX. Reporting zero-balance accounts as charged-off violates FCRA 611 ( a ) and 605B, and must be permanently removed. 
The following inquiries were unauthorized, inaccurate, or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries violate 605B ( 15 U.S.C. 1681c-2 ), FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), and FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and must be permanently removed. 
XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX, Balance Owed : {$5800.00} this collection account is inaccurately reported and unverified, violating FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ). I request its permanent removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding JPMCB - CARD SERVICEs failure to provide verification of disputed account information. Despite a formal dispute sent on XX/XX/year>, and a follow-up letter, JPMCB - CARD SERVICE has not produced the required documentation or explained how the reported account was verified as accurate. This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and provide proof of accuracy. The consumer, through his authorized representative XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, requests that JPMCB - CARD SERVICE either submit proper verification documents or immediately remove the inaccurate account from all three credit bureaus to ensure compliance with federal law. JPMCB - CARD SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
Unauthorized/unverified accounts, and inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
-- - I am requesting validation of an alleged debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and instructing the collector to cease all communication under 15 U.S.C. 1692c ( c ). The collector has not provided proof of the debt, the original creditor, or their legal right to collect. Reporting or continuing to report this unvalidated debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 


Accounts : Lvnv funding : XXXX, XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX --

Company response to consumer: Closed with non-monetary relief