vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with Equifax concerning the XXXX  XXXX credit card accounts ending in XXXX and XXXX, which were inaccurately reported on my Equifax credit report dated XXXX XXXX, which I received by mail. The report incorrectly indicated a past-due balance, failed to provide a closing date, and presented an inaccurate high balance, despite my voluntary closure of both XXXX XXXX credit card accounts on XX/XX/XXXX. 

I have encountered difficulties with Equifax 's investigation regarding my dispute about the closed XXXX XXXX accounts ending in XXXX and XXXX, which continues to display erroneous information. Furthermore, I did not receive any notification from Equifax regarding the status or results of the investigation related to my dispute submitted on XX/XX/XXXX, concerning the closed accounts. Consequently, on XX/XX/XXXX, I formally contacted Equifax to request an update on my XXXX XXXX dispute filed on XX/XX/XXXX, and asked for a mailed copy of the investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Upon review of my credit report I noticed this fraud 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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a {$24000.00} check from an external bank into my Bank of America checking account using an ATM located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL. The deposit receipt stated that the funds would be available by Saturday, XX/XX/XXXX. However, on that day, the availability date was changed without explanation to XX/XX/XXXX a hold of nearly two weeks. 

I visited the XXXX XXXX XXXX XXXX XXXX branch on XX/XX/XXXX and spoke with the manager, XXXX, who acknowledged that the check was legitimate and said he was waiting for authorization to release the funds. He promised to follow up but has since gone silent and has not returned my calls. 

When I contacted Bank of Americas customer service and requested the return of my check so I could deposit it elsewhere, I was told it could not be returned because it was already in process. I also visited the branch where I made the deposit and was met with the same response. 
I find this practice unacceptable. In an era of advanced technology and AI, such a long hold on funds without proper explanation or transparency is a clear abuse of consumer trust. I rely on access to my funds, and being denied for this long without recourse feels like a financial hostage situation.

I respectfully request that the CFPB investigate this practice and ensure that consumers are not subjected to arbitrary delays or systemic withholding of personal funds. 

Thank you for your time and 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 2025-08-01 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of an account reported by your company on my credit report. This account is listed under the name " Possible Finance '' and appears as a closed or charged-off account. 

I originally reached out via email on XX/XX/year>, and followed up again on XX/XX/year>, with no response. As of today, I have not received any verification of the debt or documentation supporting its accuracy. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Provide written validation of the debt, including original documents bearing my signature, the full payment history, and the charge-off explanation ; Or, if you are unable to verify the debt within the required timeframe, remove this item from all three major credit reporting agencies ( XX/XX/XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 am writing to dispute a late payment entry that is being inaccurately reported under my profile. Upon reviewing my records, I found that the payment in question was processed within the scheduled time, and no delay occurred.

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 2025-08-01 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: TN

Complaint narrative:
Subject : Inaccurate 30-Day Late Payment Reporting by XXXX Violation of FCRA I am filing a complaint against XXXX XXXX  and Experian for failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 
I formally disputed a 30-day late payment reported by XXXX on my Experian credit file for XX/XX/2025. In response, XXXX sent me a generic confirmation letter stating the account was opened, included prior billing history, and confirmed they had identifying information on file. After reviewing my statements, the calculations on my Payments and Credits are not correct. This reporting is inaccurate based on my billing history and violates multiple provisions of the Fair Credit Reporting Act ( FCRA Here are the facts : My statement dated XXXX shows a Payments & Credits balance of - {$170.00}, meaning I had a credit and owed nothing at that time. 
The following statement for XXXX shows a Payments & Credits balance of + {$0.00}, with no explanation for where the {$170.00} overpayment went The third statement ( XXXX ) again shows a Payments & Credits balance of - {$360.00}, meaning I had made even more payments, and was clearly not delinquent. 
Despite this, XXXX reported me as 30 days late in XX/XX/2025 which is both mathematically and legally unsupported. 

This reporting violates : 15 U.S.C. 1681s-2 ( b ) : furnishers of information are legally obligated to conduct a reasonable investigation when a consumer disputes an account and must correct or delete any information that can not be verified. 
15 U.S.C. 1681 ( a ) ( 2 ), Experian has a duty as a credit reporting agency to ensure the information they report is accurate, fair, and verified, given its vital role in consumer financial decisions.

15 U.S. Code 1681e ( b ) : Experian failed to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S. Code 1681i ( 7 ) : I requested a description of the reinvestigation procedures and have not received it.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc.
State: PA

Complaint narrative:
XXXX XXXX still showing closed account on report account was paid in full in the year of 2021 would like it remove as it having a negative impact on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
Please help me to remove fraudulent accounts on my credit report. I can not rent an apartment due to the fraud account and it is hard to raise my credit score

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 2025-08-01 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account : XXXX To Whom It May Concern, I am writing in response to your attempts regarding the alleged debt referenced above. 

This letter is being sent in accordance with my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please treat this letter as a formal request for validation of the alleged debt, including the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed statement explaining how the amount was calculated ; 4. Copies of any documents showing I agreed to assume this debt ; 5. Proof that you are licensed to collect debt in my state ; 6. The name and address of the original creditor, if different from the current one. 

Please note that, until this debt is validated, I request that you cease all collection activities and not report any information about this debt to credit reporting agencies. If you have already reported it, please inform the agencies that the debt is being disputed. 

This letter is not a refusal to pay, but a request for validation. I would appreciate your prompt response, in writing, within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed fraudulent accounts reporting on my report. I am shocked that I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
In XX/XX/year>, I discovered a late payment being reported by XXXX ( Account Number ending in XXXX ) on my credit file. I was never notified of an upcoming due date or that a payment had been missed. I did not receive any reminders, letters, emails, or alerts from the creditor giving me a chance to address or resolve the issue prior to it being reported to the credit bureaus. 

I exercised my right to dispute this with the credit reporting agency, but the entry was not removed. The creditor has failed to provide any evidence of proper notice, and the credit bureau did not properly reinvestigate the issue.

This is not just a reporting error it is a clear violation of federal law, specifically : FCRA 1681e ( b ) for reporting inaccurate/incomplete data ; FCRA 1681s-2 ( a ) ( 1 ) ( A ) for failing to notify me and report responsibly ; FCRA 1681i ( a ) for failing to reinvestigate and correct the dispute.

I have taken this issue to the CFPB because both the creditor and the credit bureau failed to act after I submitted documentation and requested a proper reinvestigation. My credit score continues to suffer from a late payment that I was never made aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
I am requesting immediate deletion of the disputed item and escalation to an Equifax compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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 my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-01 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: FL

Complaint narrative:
There are clear inconsistencies on my credit report regarding last payment dates. There are charge offs showing for 4 months and fcra says charge offs can only show for 1 month. I have disputed these several times only to be told its been verified accurate. You can look and clearly see the charge off months as well as the different last payment dates. They are not investigating disputes properly or this inaccurate account would be deleted.

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