vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : ( List Account Names & Numbers ) XXXX XXXX, XXXX Equifax LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. 
I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. 

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 
Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 
YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. 
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. 
I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
Reported fraudulent and data breach information but no help provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
Reported fraudulent and data breach information but no help provided.

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 2025-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit reports from the three major credit bureaus ( TransUnion, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. A few accounts were never authorized or do not match my known credit activity. One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Sunrise Credit Services , Inc . 
XXXX, NY XXXX XXXX XX/XX/year> I made a payment plan thinking it was a 1 time settlement plan. My original amount is {$2600.00} and I thought I was settling for {$1300.00}. On their website it states to alter or cancel your payment plan, please call to speak to a representative. We'll I did and Sunrise Credit Services , Inc. is stating that they can not alter or cancel my payment plan. According to their website this is false advertising. I have a recorded call for evidence as well.

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 2025-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America continued to violate my consumer right 15 USC 1666b,15 USC 1681s2 15 USC 1681a ( 1 ) A.Contacted the bank directly 2x and the customer rep could not find any info in the system. You have been reporting fraudulently as well as multiple violations of Texas FinanceCode. Up to this date no attempt to correct the inaccuracies in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On Friday XXXX XXXX a company called XXXX took an unauthorized amount from my Chime credit builder card in the amount of {$130.00}. I previously had a dispute for {$39.00} from the same company with no product sent. I tried to dispute and was denied. I have nothing to show for {$39.00}. I had Chime block this company from any further deductions. XXXX some how figured out how to change a code or something to bill me for {$130.00}. They are billing me after I cancelled and had my bank block them. Even after this Chime still chose to deny my disputes. XXXX didnt have permission to charge my card. I even cancelled my old card a received a different one and this company figured out how to charge my new card. I didnt give them the new card information. Isnt that illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a XXXX American consumer with an XXXX FICO score, stable employment, and an income of $ XXXX. XXXX years ago, following the 2008 economic crisis, I filed for bankruptcy after being financially impacted by the collapse of the housing market. Like many Hispanic families during that period, I was targeted with aggressive lending and credit expansion practices. 

Since then, I have fully recovered, rebuilt my credit, and responsibly managed my finances. However, despite my excellent current credit profile, American Express continues to deny me any opportunity for credit. I have applied multiple times and have been told both verbally and via rejection notices that I am permanently ineligible due to past financial losses Amex sustained before or during my bankruptcy. They refuse to evaluate my current financial health or risk profile. 

I believe this policy constitutes disparate impact in violation of the Equal Credit Opportunity Act ( ECOA ), because it disproportionately affects XXXX and XXXX Americans who were pushed into bankruptcy during the financial collapse and are still being punished XXXX years later. XXXX continued reliance on old internal blacklists, without assessing current creditworthiness, reinforces XXXX disparities in access to financial opportunity. 

I respectfully request that the CFPB investigate whether this internal policy violates the XXXX or other consumer protection laws and whether a creditor may indefinitely blacklist individuals particularly those from marginalized groups despite their complete financial rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for reporting inaccurate and misleading information on my credit report regarding an account with TD Bank, which is closed and paid in full. 

Details of the Issue : The account in question is a TD Bank credit card ( Account Type : Charge Off, Joint Account ) that I opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

As of my last report dated XX/XX/XXXX, the balance is {$0.00}, and the account was clearly closed and no longer active. 

Despite this, Equifax continues to show multiple XXXX, XXXX, XXXX, and XXXX day late payment codes extending beyond the accounts closure and full resolution. This includes : CO ( XXXX XXXX ) status erroneously reported across several months even after the final payment. 

Activity and remarks suggesting ongoing delinquency years after closure, which is misleading and damaging to my credit standing. 

Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), XXXX is legally required to : Maintain accurate and complete information ( 1681e ( b ) ), Promptly correct or delete inaccurate or unverifiable information ( 1681i ), and Not report accounts in a manner that is false or misleading. 

XXXX failure to correct these erroneous entries violates these sections and results in inaccurate representations of my creditworthiness. 

Recent CFPB Enforcement : The CFPB recently fined the three major credit bureaus, including XXXX, for failing to properly investigate consumer disputes and continuing to report inaccurate data. This shows a pattern of noncompliance and reinforces my concern that Equifax is not following federal requirements. 

( Source : [ CFPB Consent Orders and Fines XXXX Actions ] )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
My account was flagged for fraud and I'm to call them to resolved and because i couldn't confirm my secret word they said they're gon na send letter that contains reference code to unlock the account, it's almost a month now and i keep getting nothing even though I've received many letters of rejected loan and credit card from the same company but they refused to send letter to unlock my account

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 2025-07-09 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: CA

Complaint narrative:
Ive been trying to resolve the errors on my credit report for months, and the lack of action has become unacceptable. These ongoing inaccuracies are damaging both my financial stability and peace of mind. Despite repeated efforts to address the issue, my concerns have been ignored.

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 2025-07-09 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: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit file, nor did I apply for any credit with them. This is a violation of my rights as a consumer and is adding unnecessary stress to an already difficult situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX XXXX account with my mother, where she was the primary account holder and I was added as an authorized user. She opened the account and later included me as an authorized user. A few months ago, we experienced financial hardship that left us unable to make payments. My mother subsequently filed for bankruptcy. After securing a job, I decided to take responsibility for the account and continue making payments. 

I began receiving calls from XXXX XXXX  stating that I was a joint account holder and legally responsible for the debt. Wanting to resolve the issue, I enrolled in a payment plan to bring the account current and preserve the account in good standing. The agreed-upon payments were automatically drafted from my account with my authorization : XX/XX/XXXX {$200.00} XX/XX/XXXX {$470.00} XX/XX/XXXX {$200.00} During this time, I had full access to the account and was able to monitor its status and confirm payments. However, in XXXX, my access to the account was suddenly revoked. I was no longer able to view the account or make further payments. Additionally, no further automatic drafts were made from my account. 

Recently, I discovered that the account was reported as closed and charged off for both my mother and myself. When I contacted XXXX XXXX  for clarification, I was told the account had been closed due to missed payments. However, I was unable to make payments because I was locked out of the account. I was also informed that automatic payments had stopped because I was required to call back after three months to continue themsomething I was never told during my initial call, which was on a recorded line. At no point was I advised of this requirement. 

My concern is that I am being held responsible for this debt while simultaneously being denied the ability to resolve it. I was not notifiedeither by letter or phonethat the account would be closed. I made a good-faith effort to pay down the balance and maintain the account, but I was effectively prevented from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: SC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 ( b ) concerning the above-referenced account allegedly reported by EDFINANCIAL SERVICES LLC. Upon thorough examination of my credit file, I am formally contesting the accuracy, completeness, and verifiability of this account and demand its immediate and permanent deletion.

VIOLATIONS & DISCREPANCIES IDENTIFIED : 1. Inaccurate Payment History Reporting : The account reports a past-due status and increasing balance with no record of any payments made, while simultaneously assigning scheduled monthly payments of {$68.00}. 

Violation of FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

Violation of 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

2. Balance Inconsistencies / Reporting Fabrication : The balance has increased from {$6000.00} to over {$6500.00} with zero payments made, while still reporting past due statuses ( XXXX, XXXX, XXXX, 180 days ) despite no updated transactional activity or payments. This reflects false credit inflation and may be viewed as willful misrepresentation.

3. Chain of Custody & MPN ( Master Promissory Note ) Omission : You have failed to provide documented proof of a valid chain of custody from original creditor to you. 

I also demand a certified true copy of the signed Master Promissory Note ( MPN ) associated with this account. Absent this, your right to report this tradeline is in question. 

4. No Monthly Payments Being Applied : Records show " {$0.00} Paid '' monthly since account opening. Reporting scheduled payments without performance is misleading and deceptive under FCRA 1681s-2 ( a ) ( 1 ) ( B ).

BURDEN OF PROOF : According to FCRA 1681i ( a ), the burden of proof lies with the furnisher and the Credit Reporting Agencies to investigate and verify the accuracy and validity of the information. The account must be : 100 % verifiable via original signed documentation, 100 % accurate and up to date, Complete in context of all activity and legal ownership. 

You are now formally notified that unless you can validate this account with documented, original evidence, including the MPN and full payment ledger, you are in direct violation of Federal Law

Company response to consumer: Closed with explanation