vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-13 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: LA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have noticed after carefully reviewing the documents sent over by the company that there are fees added that I was not knowledgeable of at the time of signing the lease. That is illegal in the State of Florida. Also, I never received my security deposit back nor a certified better stating why which is also illegal in the State info Florida. These amounts are ridiculous being the rental amount per month was only {$1000.00} per month and being told I owe over {$9800.00} is ILLEGAL!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XXXX XXXX I sent a certified letter to XXXX about a fraudulent inquiry on my credit report that was not authorized by myself. I also called XXXX  the certified letter included a copy of my drivers license, social security card, and utility bill. Yet this inquiry remains on my credit report months later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MN

Complaint narrative:
Issue : Incorrect Student Loan Balance Reported Details : I am experiencing a serious reporting error related to my federal student loans. 
My Experian credit report is currently showing a Dept. of Education/XXXX loan balance of approximately {>= $1,000,000}. 
My StudentAid.gov account also reflects an inflated balance of {>= $1,000,000}. 
My actual loan balance should be significantly lower. This sudden increase from {$66000.00} to nearly {$4.00} XXXX is clearly a reporting or system error. 

This incorrect reporting is damaging to my credit and causing significant distress. 

Requested Resolution : Immediate investigation into the error.

Correction of my account balance to reflect the true principal and interest owed. 
Confirmation that corrected data has been furnished to all credit reporting agencies.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On [ XXXX & XXXX ], I was defrauded out of {$1800.00} through XXXX. I believed I was paying for legitimate marketing services, but it turned out to be a scam. I immediately reported the transaction to my bank and filed a dispute. 

The bank denied my claim, stating that because I authorized the transfer, it was not considered fraud. This is incorrect the payment was induced by fraudulent misrepresentation. Under Regulation E, transactions obtained through fraud should be treated as unauthorized.

I also requested details on why my dispute was denied and asked for a Regulation E review, but the bank did not provide this information.

I am requesting : A re-review of my case under Regulation E A refund of the {$1800.00} lost in this fraud Assurance that my bank will improve its fraud investigation process This loss has caused serious financial hardship. I trusted my banks XXXX service to be safe, and I expect appropriate consumer protections.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was emailed an advertisement from American Express to open a new XXXX XXXX XXXX account by XX/XX/year> and deposit {$25000.00} to receive a {$350.00} bonus. According to the terms and conditions I had to deposit {$25000.00} within the first 30 days of opening the account and maintain a minimum account balance of {$25000.00} for 60 days. I opened the account on XX/XX/year>, I deposited {$25000.00} on XX/XX/year> and I maintained a minimum balance of {$25000.00} until XX/XX/year>. Today ( XX/XX/year> ) I called American Express and spoke with XXXX and supervisor XXXX, I was told I would not receive the {$350.00} bonus offer because my available balance wasnt {$25000.00} until XX/XX/year> due to their 4 day deposit holding period policy. I was upset so I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year>XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year>XXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX LexisNexis Risk Solutions Attn : Consumer Center XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear LexisNexis Compliance Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws. 

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX XXXX DISCHARGED XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to LexisNexis or any credit reporting agency, nor do they authorize you to collect and disseminate this information. 

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed. 

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record.

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter.

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court.

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Complaint Regarding Inaccurate Reporting of Accounts Included in Bankruptcy To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by the credit reporting agencies and the listed creditors in connection with my Chapter XXXX Bankruptcy, which was discharged on XX/XX/year> in the U.S. Bankruptcy Court ( Case No. XXXX ). 

Although my debts were legally discharged, several accounts continue to be reported inaccurately as derogatory, charge-offs, collections, or with outstanding balances instead of properly showing {$0.00} balance, included in bankruptcy, and discharged. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act, as the information being furnished is both inaccurate and misleading. 

The following accounts are being reported incorrectly across TransUnion, Experian, and Equifax : XXXX XXXX {$15000.00} ( reported as charge-off/collection ) XXXX XXXX {$13000.00} ( inconsistent reporting across bureaus ) XXXX  {$28000.00} and {$7000.00} ( charge-off/collection ) XXXX {$490.00} ( charge-off/collection ) XXXX XXXX {$3700.00} XXXX charge-off/collection XXXX XXXX {$2100.00} ( charge-off/collection ) Capital XXXX {$3700.00} ( charge-off/collection ) XXXX {$1300.00} ( charge-off/collection ) XXXX XXXX {$3300.00} ( charge-off/collection ) XXXX XXXX XXXXXXXX {$650.00} ( charge-off/collection ) XXXX {$2900.00} ( charge-off/collection XXXX XXXX {$550.00} XXXX charge-off/collection ) These accounts were legally discharged in bankruptcy and must not be reported as having balances owed, past due amounts , or charge-offs. Creditors and bureaus are required under the Bankruptcy Code ( 11 U.S.C. 524 ) and the FCRA to update reporting to accurately reflect the discharge.

Requested Resolution : Delete the above-listed accounts Ensure all three major credit reporting agencies update my file to comply with federal law. 

Investigate and hold the furnishers accountable for furnishing inaccurate information. 

I have attached copies of the inaccurate accounts directly from my credit report along with my ID

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 2025-09-13 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:
Complaint Regarding Inaccurate Reporting of Accounts Included in Bankruptcy To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by the credit reporting agencies and the listed creditors in connection with my Chapter XXXX Bankruptcy, which was discharged on XX/XX/year> in the U.S. Bankruptcy Court ( Case No. XXXX ). 

Although my debts were legally discharged, several accounts continue to be reported inaccurately as derogatory, charge-offs, collections, or with outstanding balances instead of properly showing {$0.00} balance, included in bankruptcy, and discharged. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act, as the information being furnished is both inaccurate and misleading. 

The following accounts are being reported incorrectly across TransUnion, Experian, and Equifax : XXXX XXXX {$15000.00} ( reported as charge-off/collection ) XXXX XXXX {$13000.00} ( inconsistent reporting across bureaus ) XXXX  {$28000.00} and {$7000.00} ( charge-off/collection ) XXXX {$490.00} ( charge-off/collection ) XXXX XXXX {$3700.00} XXXX charge-off/collection XXXX XXXX {$2100.00} ( charge-off/collection ) Capital XXXX {$3700.00} ( charge-off/collection ) XXXX {$1300.00} ( charge-off/collection ) XXXX XXXX {$3300.00} ( charge-off/collection ) XXXX XXXX XXXXXXXX {$650.00} ( charge-off/collection ) XXXX {$2900.00} ( charge-off/collection XXXX XXXX {$550.00} XXXX charge-off/collection ) These accounts were legally discharged in bankruptcy and must not be reported as having balances owed, past due amounts , or charge-offs. Creditors and bureaus are required under the Bankruptcy Code ( 11 U.S.C. 524 ) and the FCRA to update reporting to accurately reflect the discharge.

Requested Resolution : Delete the above-listed accounts Ensure all three major credit reporting agencies update my file to comply with federal law. 

Investigate and hold the furnishers accountable for furnishing inaccurate information. 

I have attached copies of the inaccurate accounts directly from my credit report along with my ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been using Capital one credit card since XXXX last year, and I have been paying on time every month and using it well. But in XXXX this year, when I logged in online banking, I found that my credit card account was closed. I don't understand why they did that. This is my first credit card, and it is very important for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AR

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 2025-09-13 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: AR

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