vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
am disputing multiple credit accounts that are being reported inaccurately and without proper verification by XXXX or more furnishers and credit reporting agencies. 
Between XXXX and XXXX, several accounts were reported as collections, charge-offs, late payments, and a public record, despite the absence of verified documentation supporting the accuracy of the information. Some accounts were reported after being charged off, sold, or paid, while others were reported with inaccurate payment histories, incorrect balances, or improper statuses. 
In particular : Multiple collection accounts ranging from approximately {$160.00} to {$2000.00} were reported without proof of ownership, assignment, or contractual obligation. 
Several credit card and installment accounts were reported as charged off with balances that do not reflect accurate accounting or lawful authority to report. 
Certain accounts include re-aged delinquency dates and duplicated negative reporting. 
A XXXX XXXXXXXX bankruptcy filed in XX/XX/XXXX was dismissed in XX/XX/XXXX, yet it continues to be reported in a manner that is misleading and harmful. 
Late payments were reported on active auto accounts in XXXX XXXX, despite disputes regarding the accuracy and handling of those payments. 
Upon discovering these issues, I reviewed my credit reports, submitted written disputes, and requested verification and investigation as permitted under federal law. To date, the reporting entities have failed to provide complete documentation such as original signed agreements, full payment histories, or proof of legal authority to furnish the information. 
As a result, inaccurate and unverifiable information continues to appear on my credit reports, causing ongoing financial harm, including denial of favorable credit terms. 
I am requesting that the companies involved : Conduct a reasonable investigation ; Provide full documentary verification of each disputed account ; or Delete any information that can not be fully verified.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-26 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am submitting this complaint regarding Regions Banks improper restraint of my funds, failure to meet its own stated resolution timeline, and failure to provide timely notice or explanation for a continued account freeze. 

On Saturday prior to Christmas, I initiated a wire transfer in the amount of {$27000.00} from my Regions Bank account. At the time the wire was initiated, no fraud restriction existed on my account. 

On XX/XX/XXXX, I was informed by Regions Bank that my account had been frozen for suspected fraud. That same day, I appeared in person at a Regions branch and fully verified my identity with a banker named XXXX. I was expressly advised that the issue would be resolved by XX/XX/XXXX, and that I would receive a confirming call. 

That did not occur. 

As of XX/XX/XXXX, Regions Bank has continued to hold my funds and has been unable or unwilling to : Release the funds or complete the wire transfer Provide a definitive timeline for resolution Connect me with any fraud, risk, or XXXX decision-maker Provide written notice explaining the basis for the continued restraint of funds Regions Bank has missed its own stated resolution timeline and has continued to restrain my funds without adequate explanation. This delay is unreasonable and has caused financial harm. 

This wire transfer is governed by UCC Article 4A. Regions Bank has failed to provide timely written justification for the continued restraint or a reasonable resolution timeline after in-person identity verification was completed. 



Harm Experienced Inability to access or transfer lawfully owned funds Financial and transactional disruption Stress and uncertainty caused by Regions failure to communicate or resolve the issue in a timely manner Resolution Requested I respectfully request that the CFPB require Regions Bank to : 1. Immediately release my funds or complete the wire transfer 2. Provide written explanation identifying the specific basis for the account freeze 3. Identify the department responsible for the decision and provide a definitive resolution timeline 4. Review Regions Banks fraud resolution and customer communication procedures to prevent similar harm Bank Information Bank : Regions Bank Product : Checking account / Wire transfer Amount : {$27000.00} Date issue began : XX/XX/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 2025-12-26 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: MN

Complaint narrative:
The bankruptcy reported on my credit file is inaccurate and has not been properly verified. The credit reporting agency failed to provide competent proof of verification despite prior disputes, violating FCRA 607 ( b ) and 611 ( a ). Continued reporting of unverifiable public record information is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I discovered an inquiry on my credit report that I do not recognize and did not authorize. An application was submitted in my name without my knowledge or consent, resulting in this company accessing my credit file. I previously contacted Equifax and was informed by a representative that this inquiry would be removed ; however, it remains on my credit report, causing unnecessary stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 do not recognize these accounts ; they should be removed within 15 days under USC 1681g.

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 2025-12-26 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 have no association with these accounts ; they are required to be removed within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
My federal student loan accounts are being reported inaccurately and inconsistently across credit bureaus by my loan servicers. The same underlying loans appear under multiple creditor names with conflicting balances, dates, and account statuses. 
Some accounts are reported as closed, transferred, or paid with a XXXX balance, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates. 
In addition, my loan servicer disclosed a data breach involving borrower information, raising serious concerns about the integrity and accuracy of the data being furnished. Despite disputes, inaccurate and unverifiable information continues to be reported, harming my credit profile. 
I am requesting a full investigation, correction or deletion of inaccurate tradelines, and confirmation that only verified and accurate information is reported.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My federal student loan accounts are being reported inaccurately and inconsistently across credit bureaus by my loan servicers. The same underlying loans appear under multiple creditor names with conflicting balances, dates, and account statuses. 
Some accounts are reported as closed, transferred, or paid with a XXXX balance, yet continue to appear on my credit report. Other accounts are reported as open and deferred but show inconsistent creditor classifications and reporting dates. 
In addition, my loan servicer disclosed a data breach involving borrower information, raising serious concerns about the integrity and accuracy of the data being furnished. Despite disputes, inaccurate and unverifiable information continues to be reported, harming my credit profile. 
I am requesting a full investigation, correction or deletion of inaccurate tradelines, and confirmation that only verified and accurate information is reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-12-26 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: IL

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I deposited {$33000.00} into my Bank of America account on XXXX, XXXX [ date ]. The funds were placed on an extended hold for verification. 

On XXXX, XXXX [ date ], I spoke with a XXXX named XXXX who submitted a hardship escalation and stated a decision would be made within XXXX business days. That deadline has passed with no resolution or communication. 

Since XXXX, I have repeatedly attempted to contact Bank of America by phone and online chat. I have experienced multiple system disconnections and verification failures, despite successfully confirming my identity and receiving authentication alerts. I have been unable to reach a live representative. 

As a result, I currently have no access to funds for essential living expenses, including food, utilities, and phone service. I am requesting immediate review, communication, and partial release or provisional credit while verification is completed. 

The lack of timely resolution, missed escalation deadline, and inability to access customer support have caused significant financial harm.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint with certainty and not in error. My credit report contains a specific account that is not being reported with maximum possible accuracy. The inaccurate information associated with this account continues to negatively affect my credit standing and overall financial well-being. During an already challenging period, the continued reporting of this error has caused unnecessary stress and hardship.

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 2025-12-26 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:
Repeatedly XXXX is allowing Both XXXX XXXX as well as XXXX XXXX along with XXXX XXXX XXXX and XXXX XXXX to report the debts twice and they are taking the time actually realize that this inaccurate reporting and all accounts need to be removed from all credit reports

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Commenity Capital Bank, on behalf of Bread Loans, contacted a relative of mine ( XXXX  ), attempting to collect debt that she did not incur. This contact occurred on XX/XX/year>. The debt is in my name only, and I have already partnered with a debt resolution XXXX who is working with Commenity Capital Bank to resolve my debt. The debt resolution company has already been in contact with Commenity and advised them of my hardship and that they will be representing me in the debt resolution process. Community is very much aware of the actions I have taken to resolve the debt, as the debt resolution company and I have advised them of my intent to settle the debt through the debt resolution company. Nevertheless, Commenity continues to call - this time the wrong individual- in an attempt to bully me to resolve the debt myself, and without the assistance of the debt resolution company. This is quite clearly a tactic to air my debt issues to others close to me in an attempt to embarrass me unless and until I settle my debt with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2025-12-26 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: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE 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
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express talked to an agent by calling their customer service number XXXX. I never received paper statements for my transactions. My XXXX, XXXX XXXX, who makes the payments was hospitalized from XX/XX/2025 to XX/XX/2025 and then she has had a series of hospitalizations since, XXXX hospitalizations in total. We never received paper statements as we had requested numerous times. We were charged the following late fees, {$7.00}, {$14.00}, {$29.00}, and {$40.00}. In total I had to pay {$90.00} in late fees. We tried to get these late fees waived because we never received paper statements, my wife is the one that makes the payments. She asked my son to look for the mail and make payments while she was in the hospital, but my son never saw any paper statements from American Express. I have closed this account. I am also afraid that this will ruin my good standing credit history when I have always made payments on time and I have been a customer with American Express for XXXX  years. My interest rate fees were waived by my late fees were never waived. I guess this is how oligarchs make their fortunes, on the unfortunate events of other people. Please look into this, it is more profitable for these financial companies to make money out of late fees than what it is of interest rates. It's outragous. I expect this institution to take some action to protect us from predatory lending.

Company response to consumer: Closed with monetary relief