vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting several inaccurate and unverified items on my credit report. These items remain despite previous disputes, and Experian has not provided proper validation or corrected the inaccuracies. 

XXXX. Accounts Incorrectly Reported as Charged Off The following accounts are being reported inaccurately. All show {$0.00} balances, yet Experian continues to list them as charged-off : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} These items are inconsistent with other bureaus and Experian has failed to provide validation. I request deletion if they can not be fully verified. 

XXXX. Unauthorized or Incorrect Hard Inquiries Experian is reporting inquiries I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies did not have my permission to perform hard pulls. Please remove these inquiries.

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 2025-12-04 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: GA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding how Bank of America is handling my XXXX chargeback dispute. 

On XX/XX/year>, I opened a dispute for a {$580.00} charge with an online vendor ( XXXX ). I returned the merchandise to the vendor after filing the chargeback. The vendor has acknowledged the dispute and informed me that they can not take further action because the case is now entirely in my banks hands. 

Bank of America representatives and a supervisor told me that I am currently at day XXXX of the XXXX XXXX investigation XXXX. Despite this, every representative, including the supervisor, has told me they can not issue a provisional credit, even though I have complied with all requirements and returned the product. 

I was also told conflicting information : That the dispute is in a floating period waiting for the vendors bank to approve it. 
That if the vendors bank does not approve it in time, Bank of America must restart the entire chargeback, leaving me without the product and without my money. 
That they can not credit me because they have not gotten the money back, which contradicts XXXX dispute rules regarding provisional credit. 

This situation is causing financial harm and appears to violate consumer protections regarding disputes and provisional credits. I am seeking : 1. Immediate review of how my dispute has been handled 2. Correction of any improper delays or misinformation 3. Issuance of a provisional credit if applicable 4. Confirmation that my dispute will not be restarted or closed due to bank error or delay I have made multiple attempts to resolve this with Bank of America, but the issue remains unresolved. 

Thank you for reviewing this matter.

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 2025-12-04 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: VW Credit
State: NV

Complaint narrative:
This complaint is being submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681g ) to REQUEST A REINVESTIGATION for the account listed below, which contains inaccurate, inconsistent, and legally unverifiable information. You are also being placed on notice that prior disputes concerning this account were subjected to what can only be described as sham investigationssuperficial reviews conducted solely through automated systems ( e.g., e-OSCAR ) without any meaningful evaluation or consumer-specific validation, in direct violation of FCRA 1681i ( a ) ( 1 ) ( A ).

These practices violate my consumer rights and contradict your obligations to follow reasonable procedures designed to assure maximum possible accuracy under FCRA 1681e ( b ), as well as Metro 2 data integrity standards.

Below is the disputed account, including specific arguments that support my claims of inaccuracy and the need for permanent deletion if the information can not be lawfully and verifiably validated : XXXX XXXX XXXX Account Ending XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} The reporting of multiple 30day late notations in XXXX and XXXX on this closed auto loan is inaccurate and misleading. Such reporting fails the accuracy standards required by the FCRA and has caused undue harm to my creditworthiness. Additionally, under Nevada law ( XXXX XXXX ), knowingly furnishing false derogatory credit information constitutes a deceptive trade practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
This complaint is being submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681g ) to REQUEST A REINVESTIGATION for the account listed below, which contains inaccurate, inconsistent, and legally unverifiable information. You are also being placed on notice that prior disputes concerning this account were subjected to what can only be described as sham investigationssuperficial reviews conducted solely through automated systems ( e.g., e-OSCAR ) without any meaningful evaluation or consumer-specific validation, in direct violation of FCRA 1681i ( a ) ( 1 ) ( A ).

These practices violate my consumer rights and contradict your obligations to follow reasonable procedures designed to assure maximum possible accuracy under FCRA 1681e ( b ), as well as Metro 2 data integrity standards.

Below is the disputed account, including specific arguments that support my claims of inaccuracy and the need for permanent deletion if the information can not be lawfully and verifiably validated : XXXX XXXX XXXX Account Ending XXXX Date Opened : XX/XX/year> | Balance : {$520.00} This closed credit card account is reported as charged off with a balance of {$520.00} ; however, the chargeoff status has not been properly or lawfully verified. The FCRA requires removal of unverifiable derogatory entries under 1681i, and continuing to report such information without proper substantiation is unlawful. Nevada law further prohibits creditors from engaging in deceptive reporting that misrepresents the nature or circumstances of an accounts closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-12-04 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:
Im writing to dispute the accounts listed, as I dont recognize or remember authorizing them. Please review and remove them. Ive included proof for your reference.

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 2025-12-04 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX Account number XXXX Account type Credit card Date opened XX/XX/year> Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Dear American Express, I am writing as a long-standing American Express cardmember to respectfully request that my dispute for the XXXX  XXXX XXXX charge in the amount of {$41000.00} be reconsidered and reclassified under the appropriate American Express category for goods/merchandise not received. In prior correspondence, the transaction was characterized as an investment and denied on the basis that such use of the card is prohibited. That classification does not accurately reflect what I actually purchased with my American Express card, nor what was documented in the written agreements with the merchant. This was a payment for tangible grocery inventory that I was promised a portion of, and no part of those physical goods has ever been delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 INQUIRIES : XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name :XX/XX/XXXXL XXXX ] Account Number : [ XXXX ] Creditor Name : XX/XX/XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX went into my bank account until {$52.00} out of my account. I did not give XXXX XXXX XXXX my information I closed my first card chime gave me another card because of that purpose and now chime do not wan na refund my money back after I disputed that transaction. Im also get my child support checks into my child support checks for XXXX .. every month. I have to tell chime that my child support checks come every week!! And chime takes too long to put my child support check in my account!!! XXXX is being very suspicious when it comes to peoples money..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: DC

Complaint narrative:
XXXX XXXX XXXX sent an alleged balance of {$3300.00} to CONSERVE for collection, but the debt is invalid because the university did not provide access to the course during the required instructional period. 

The course ( XXXX XXXX XXXX XXXX ) began on XX/XX/year>, but I did not receive access to XXXX or any course materials until XX/XX/XXXX, XXXX XXXX weeks after the start of the term. Because of this, I missed XXXX classes and was unable to attend, participate, or complete any coursework during that time. On XX/XX/year>, the university confirmed in writing that I had not attended the class. 

My request for withdrawal was denied solely based on policy, not because services were provided. Since I was unable to access or participate in the course, no educational services were rendered, and the charges are inaccurate and not legally owed. 

Despite this, the university billed me the full tuition and later sent the balance to a collection agency. This debt is invalid, unverified, and should not be collected or reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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