vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: WA

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, Transunion is reporting a late payment for my account with : Creditor Name : XXXX XXXX BANK XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I recently obtained copies of my credit reports from all three major consumer reporting agencies and discovered inaccurate information that must be deleted under federal law. These items listed below contain errors and inconsistencies that can not be verified by the original furnishers. Because these tradelines are reported inaccurately and are causing measurable harm, I am requesting their complete deletion from my credit file. 

XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$930.00} XXXX XXXXXXXX Balance {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I rented a car from XXXXXXXX XXXX XXXX in XXXX XXXX, which is now out of business. The rental was arranged through XXXX XXXX XXXX, which is currently bankrupt. 

The rental took place in early XXXX of this year, and I provided a {$1000.00} security deposit using my TD Bank debit card. In late XXXX, XXXXXXXX XXXX XXXX  confirmed via text that I had returned the car in good condition and that the deposit would be refunded to my original form of payment. 

Because the deposit was never returned, I filed a dispute with TD Bank in XXXX. TD Bank requested supporting documentation, which I faxed twice, but they claimed it was not received. I sent the documentation again last week ( a third time ), and now TD Bank has informed me that it is too late to request a chargeback. 

I have been attempting for several months to have this credit returned to my account. I have made numerous efforts to contact XXXX XXXX XXXX  without success. TD Bank now states that I must contact the merchant directly because the dispute is past 120 days. However, XXXX XXXX XXXX XXXX closed, and XXXX XXXX XXXX has no publicly available contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am sending to formally dispute several unauthorized and inaccurate credit inquiries that have recently appeared on my credit report. After a thorough and careful review of my file, I was deeply concerned to discover multiple inquiries that I neither authorized nor recognize. As an individual who takes great pride in maintaining financial stability and protecting my personal information, thes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NC

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 2025-11-11 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: OR

Complaint narrative:
I had a dispute for services I did not receiver from a car rental company. I disputed the charge and the company provided evidence that services were rendered. I requested these, and upon receiving them replied to the credit card company promptly with my own evidence that services were in fact not rendered. The credit card company replied that the window for dispute was already closed, but that they could request to open the case with my new Information. I attempted to reopen several times, each time I was told not to pay the ammount and to wait for a reply. I did not receive any replies, only calls from citi debt collection and added interest on the charge. On my final call, they told me that all of the requests to re open the disputes were denied, despite me never receiving communication on that and that I am responsible for the charge and all interest accrued.

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 2025-11-11 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 affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
b'Dear Consumer Financial Protection Bureau,\n\nI am filing a formal complaint against Bank of America, N.A. for refusing to honor my properly executed and notarized Power of Attorney (POA) and for blocking access to several of my personal accounts without written explanation or due process.\n\nI have been a Bank of America customer for more than XXXX years, maintaining multiple accounts, including those ending in XXXX XXXX XXXX and XXXX For the past eight years, I have been working remotely overseas, during which I regularly withdraw funds every XXXX months to support my family in Indonesia. I have continued to pay California state and federal taxes and file my income tax returns annually during this time.\n\nThis month, I submitted a notarized Power of Attorney authorizing my sister-in-law to manage my banking transactions on my behalf. Despite the POA being properly executed and legally valid, Bank of America refused to recognize it and subsequently blocked my online banking access, which has remained restricted for the past month.\n\nPreviously, when there were issues with my accounts, the bank verified my identity through a secure link sent to my online banking app, allowing me to confirm my identity and resume account access or transactions. However, this time, no verification or clarification has been offered, and the bank has not provided any written communication or legal reason for restricting my access.\n\nThis situation has caused severe financial hardship for my family, as I rely on these funds to provide for their essential living and medical expenses in Indonesia.\n\nI respectfully request the CFPBs assistance to:\n\t1.\tInvestigate Bank of Americas refusal to honor a valid, notarized Power of Attorney;\n\t2.\tDetermine the legal and procedural basis for the ongoing account access restriction; and\n\t3.\tEnsure I regain secure and continuous access to my accounts (ending in XXXXXXXX XXXX XXXX and XXXX).\n\nThank you for your attention to this matter.\n\nAttached are copies of my notarized Power of Attorney, identification, and any related correspondence with the bank.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBank of America Account Numbers Ending: XXXX XXXX XXXX XXXXDate Access Was Blocked: 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 monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> @ XXXX I contacted cash app regarding a missing card. A card I never received. I was told by " XXXX '' that there would be a refund issued, I asked when, he told me to stay in chat and he'd process the refund. Came back to the chat and told me he " couldn't process the refund '' I am entirely and truly frustrated, I didn't lose the card, I've waited XXXX weeks for it. I was told I would be refunded. I was lied to about it. I have the entire conversation screen shot so I could forward it to the right individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Experian. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Experian has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer.

According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Experian to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Experian 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Experian to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions

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 2025-11-11 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian * * * * * * Incorrect name : Legal Name is XXXX XXXX Address is XXXX XXXX XXXXXXXX XXXX GA XXXX Please delete all other records Inquiries XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Equifax * * * * * Incorrect name : Legal Name is XXXX XXXX Address is XXXX XXXX XXXXXXXX XXXX GA XXXX Please delete all other records XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Transunion * * * * Incorrect name : Legal XXXX is XXXX XXXX Address is XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX delete all other records XXXX XXXXnquiry date XX/XX/XXXX XXXX OF XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Experian, Equifax and Transunion * * * * These accounts are paid XXXXXXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
XXXX'My credit report contains several accounts that need immediate attention'

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 2025-11-11 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:
XXXX'My credit report contains several accounts that need immediate attention'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of 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 explanation