vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX unknown inquiries XX/XX/year>, XXXX, XX/XX/year> XXXX XXXX. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX I submitted a written dispute to JPMorgan Chase Bank, N.A. under 15 U.S.C.  1681s-2(b) of the Fair Credit Reporting Act (FCRA), identifying multiple inaccuracies being furnished to the consumer reporting agencies, including the Balance, High Credit, Account Type, Date Opened, and Date Last Reported.\n\nChase received my certified dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delivered XXXX) but failed to conduct a reasonable investigation or provide verifiable documentation substantiating the accuracy of its reporting, as required by  1681s-2(b) and 1681e(b).\n\nInstead, Chases written response merely restated the same disputed data without showing any review of underlying records. This response does not demonstrate reasonable procedures to assure maximum possible accuracy, as mandated by the FCRA.\n\nI later sent a second-round dispute notice giving Chase an additional opportunity to verify or correct the information. The disputed inaccuracies remain unresolved and continue to appear on my credit reports with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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 formally file a complaint regarding several serious inaccuracies and errors on my credit report, which are negatively impacting my financial standing and creditworthiness. Despite my attempts to resolve these issues directly with the creditors, they remain uncorrected. 

The issues I am reporting include : Incorrect Address Listings : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX These addresses do not belong to me and their presence on my credit file is misleading and damaging. 

Incorrect Account Statuses and Reporting : XXXX XXXX ( Account Ending XXXX ) Opened XX/XX/XXXX, High Credit {$500.00}. Reported as Charge Off, which is inaccurate. 

XXXX XXXXXXXX XXXX  ( Account Ending XXXX ) Opened XX/XX/XXXX, High Credit {$18000.00}. Reported as Charge Off, which is false.

XXXX XXXX Account Ending XXXX ) Opened XX/XX/XXXX, XXXX XXXX {$770.00}. Reported as Late Payment, which is incorrect.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), as they represent misleading, incomplete, and erroneous information. I have taken all reasonable steps to verify and correct these errors with the reporting institutions, but no resolution has been provided. 

I request that CFPB : Investigate these inaccuracies with the relevant creditors and credit reporting agencies. 

Ensure that all incorrect addresses, charge-offs, and late payments listed above are immediately corrected or removed from my credit report. 

Provide written confirmation once these corrections are completed. 

The continued reporting of false information is causing me tangible harm, including potential denial of credit and other financial opportunities. I expect prompt attention to this matter and a thorough investigation as per CFPBs mandate.

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 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2025. I stepped in Truist branch in XXXX TX located XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. 
I briefly describe : I have open an account with Truist before and I didn't used much so I want to know if I open checking account so my parents can transfer money from XXXX here for me to use as down payment for house. They said : yes, no problem let me check and he didn't find any comment or concern. 
Then I successfully open my checking account then I spoke with one of Branch manager. 

Then on XX/XX/2025, when my mom went to bank in XXXX and making the transfer, once I receive the notice of confirmation. I tried to login to the XXXXXXXX XXXX app and my sign in ID and password didn't recognize. 

I tried to contact customer service but they close after XXXX and I waited until this morning XX/XX/2025. I called the customer service at Truist and they notified me my account was close and they don't have further info and advise me to step in the branch for further detail. 

I immediately heading back to the Branch and the bank Clerk told me the bank comment : I was trying to do Fraudulent activities and advise not allow me to open Checking account again under my Profile.

I asked them so what will happen to my transfer, they said the money will return back to the sender in a couple days. 

Then my mom went to XXXX XXXX in XXXX and they said since the Money already transfer they can not do anything.

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 2025-10-18 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: EQUIFAX, INC.
State: AS

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-18 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my credit report from your organization. I did not authorize a credit application or grant permission for your company ( Bank of America ) to access my credit report on XX/XX/year>. I request that you provide documentation of my authorization for this inquiry. If no such documentation exists, I respectfully request that this inquiry be removed from my credit file immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Please send your response and any supporting documents to my address listed below. If this inquiry was made in error or fraudulently, I expect it to be deleted promptly.

Sincerely,

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 2025-10-18 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:
Complaint Narrative ( paste into What happened ) Summary : This complaint concerns inaccurate credit reporting, failure to correct personal information, and inadequate investigations by national credit reporting agencies. I have repeatedly requested corrections and provided documentation. My files still show inaccurate personal identifiers, inconsistent account data across bureaus, and hard inquiries I did not authorize. I also requested the Method of Verification ( MOV ) for items verified after disputes and did not receive adequate responses. There are indicators of identity theft and mixed-file issues.

1 ) Personal Information Errors ( Metro 2 Code 112 ) : My reports include incorrect and outdated addresses, name formatting variants, and employer/phone listings that are not current or are associated with identity-theft exposure.

I requested deletion of all outdated addresses and non-current identifiers and asked that only my current legal name and current address remain. These corrections were not made consistently across all bureaus.

2 ) Cross-Bureau Inconsistencies & Data Quality Defects : The same tradelines display conflicting information across TransUnion, Experian, and Equifax ( e.g., balance, payment status, high credit/limits, dates opened/last payment, and payment-history strings ).

Some accounts show late-payment codes that do not align with the actual payment history or show OK strings paired with a charge-off/collection status, which is misleading.

3 ) Unauthorized/Improper Hard Inquiries : My files list hard inquiries that I did not authorize. I asked for permissible-purpose details under FCRA 604 and for those inquiries to be deleted or re-coded as soft if authorization can not be shown. This remains unresolved.

4 ) Identity-Theft / Mixed-File Indicators : Due to prior data-breach exposure ( e.g., large, widely reported breaches of major companies in recent years ), my personally identifiable information may have been compromised.

I requested blocking of identity-theft related information under FCRA 605B, as well as freezes/opt-outs with specialty agencies when appropriate.

5 ) Inadequate Investigations & Missing MOV : After submitting disputes, certain items were marked verified without the bureaus providing the Method of Verification I requested ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

I asked for the furnishers name/member code, documents reviewed, and whether verification was manual or e-OSCAR, but I did not receive a compliant response.

6 ) Harm : These failures affect my creditworthiness, increase the risk of further identity theft, and have caused denial risk and higher pricing for credit or insurance. 

I have spent significant time preparing disputes, sending documentation, and following up without resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have had and maintained an active Credit Account with XXXX XXXX XXXX I have never missed a payment, paid promptly on every purchase and find out tonight when I attempted to use it the Bank closed the account. They stated it was closed due to inactivity since it hasn't been used since XXXX. I have a half dozen other active accounts with this institution all in good standing and paid promptly. They tell me if I would like to re-open the account I can re-apply. Doing so will place a mark against my credit report for them running a credit inquiry, when I had an active account in good standing. I never received any prior notification that if I didn't use the account it would be closed. JUST BECASUE I CHOSE NOT TO CHARGE ON AN ACCOUNT FOR SEVERAL MONTHS GIVES THEM NO REASON TO CLOSE THE ACCOUNT AFTER BEING A CARDHOLDER SINCE 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 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP
State: FL

Complaint narrative:
Being a client of Associated Bank through a credit card, I saw an ad in the online banking, where if I opened a checking account and deposited {$500.00} or more from my paycheck within 90 days and have an average daily balance of {$10000.00} or more, I would receive a welcome bonus of {$600.00}. I took advantage of the promotion, by opening an account on XX/XX/XXXX and switched my direct deposit from my job to Associated Bank with the first paycheck hitting on XX/XX/XXXX. On XX/XX/XXXX, I also deposited {$10000.00} making my average more than $ XXXX within the first 30 days of account opening. After this I continued to use my account by paying bills, depositing my paycheck and making other deposits. According to Associated terms & conditions of the offer, after 90 days from account opening, they would determine the bonus amount and would deposit the bonus within 120 days from opening. Today has been 126 days since I opened the account and I still have not received the promised bonus. I called multiple times the bank informing them about the issue and XXXX time I am being told I did not apply the promo code ( which is not true, because I have evidence that I did - see below screenshots ), XXXXne time they tell me there is a delay and should be posted within 5 days which have passed multiple times and still nothing. One time, I am being hung up as soon as I mention the promotion. This is not fair and is in violation of Associated own terms and conditions, which is unfortunate because I really like the account, furthermore my funds are still in the account, and I use the account continuously. Even at this time, although I am way past the promo terms, I am still maintaining my savings to this account. I want to point out that I have tried to resolve this internally with Associated with no success. These are deceptive practices and a pure bait and switch tactic that is discouraging me to continue using the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: PA

Complaint narrative:
On XX/XX/year> I purchased a vehicle from XXXX XXXX located in XXXX, XXXX On XX/XX/year> I contacted the dealership with concerns regarding the vehicles performance. I was instructed to make an appointment with their service department. The soonest available appointment was XX/XX/year>. On XX/XX/year> I was the vehicle just needed a tune up and would need to be left with them for an undisclosed amount of time. Before I could make the necessary arrangements to leave it, on XX/XX/year> the vehicle broke down on the highway and required a tow to my residence. On XX/XX/year> I contacted the dealership. Initially I was told to make an appointment with their service department which the next available appointment was XX/XX/year>. On XX/XX/year> I was also told I would have to pay {$100.00} up front at the appointment and an additional {$100.00} plus repair costs after the vehicle was repaired. I did purchase a warranty with my loan and the payments are calculated into my finance agreement. The loan has XXXX form that says the dealer is 100 % responsible for repairs with a {$200.00} deductible. On XX/XX/year> I had another mechanic check the vehicle and it was revealed it had faulty spark plugs, faulty fuel injectors, a bad fuel pump, XXXX quarts too much oil, in addition to a non working radio and A/C. I expressed to the dealership that I had integrity issues allowing them to repair it as the vehicle was sold to me in this condition with a valid inspection sticker that was less than a month old. The dealership has refused and accountability for selling a vehicle in such poor condition and only response has been to pay them a {$200.00} deductible to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. Several fraudulent accounts and unauthorized inquiries have been reported on my XXXX credit file by individuals using my stolen information. 

I have submitted a police report with the XXXX Police Department ( XXXX XXXX. XXXX ) confirming this crime. I have also mailed XXXX a formal written dispute with supporting documentation, requesting deletion of fraudulent charged-off accounts and removal of unauthorized inquiries.

Despite my compliance with FCRA 605B and 611, these items have not yet been deleted, and the continued reporting of this false information has caused substantial harm to my credit reputation and financial opportunities.

I am asking the CFPB to compel XXXX to : Block and delete all fraudulent accounts and inquiries. 

Provide written confirmation of the completed investigation. 

Ensure that no adverse data linked to the identity theft remains in my file.

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 2025-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IA

Complaint narrative:
I am having trouble making payments on my student loans due to low income. I am interested in loan forgiveness programs, but I am having difficulty getting help or clear information from my loan servicer. I would like to return to school, but the current loan situation makes it hard to manage financially. I have contacted the loan servicer multiple times, but the issue remains unresolved.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-18 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: MA

Complaint narrative:
This is a continuation and escalation of my original CFPB filing ( forwarded to FDIC, closed without resolution ). FDIC forwarded my dispute to XXXX ( XXXX. XXXX ), but the bank has not corrected reporting, validated the debt, or ceased false reporting. 

TransUnion ( CRA ) has failed to conduct a reasonable investigation, continuing to report inaccurate account data. XXXX XXXX furnisher ) continues furnishing unverifiable or inaccurate debt. 

I am the rightful beneficiary and authorized agent over my estate. XXXX continues to report false and unverifiable debt on my credit report through TransUnion. No contract, assignment, or legal standing exists for this debt. The account was closed, canceled, and included in bankruptcy. Any continued reporting or collection attempts are unauthorized. 

XXXX is effectively acting as a banned debt collector under FTC injunctions for abusive and fraudulent practices. Their actions are in direct violation of FCRA 611 and 623 ( a ) ( 8 ) and are commercially invalid. TransUnion has failed to conduct a reasonable investigation and continues reporting this unverifiable debt. 

I demand immediate compliance : deletion of all false accounts, cessation of reporting, and validation of any legal standing which, to be clear, does not exist. Any further reporting or collection attempts will be treated as unlawful, and I reserve all rights to enforce remedies and damages 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 non-monetary relief