vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to

verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. Under this section of the Fair Credit Reporting Act, I am entitled to a clear an
d complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-08 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have no knowledge of owning this debt to you, in fact i do not know how you can i owe someone i never done business with or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I deposited a check from a contractor Ive been working with for 2 years After I verified the check was good I deposited into my account at BMO BANK at the time of deposit I was given a print out indicating the availability of funds which was as follows ; {$6700.00}, available the next day and the remainder on the XXXX day. When I went to the bank on XX/XX/year> they changed it to no funds available until the XXXX day. The bank has not specified the reason for this hold but the check has cleared and paid by the bank check was drawn from on XXXX XXXX which was verified and XXXX XXXX XXXXXXXX issued a copy of the front and back of the paid check and provided to BMO. BMO has done nothing but keep my money and I cant get a straight answer but I have to wait. I have done research and all the evidence shows this is a constant business practice withholding customers money placing extended holds for no good reason. Something needs to be done about this

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 2025-07-08 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: OR

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX XXXXegarding their credit reporting practices. They are continuing to report a charged-off account on my credit report each month, which is misleading and damaging to my credit profile. 

This account has already been charged off and no new activity has occurred, yet XXXX continues to update the account monthly as if it is newly delinquent or changing which creates the false impression of ongoing negative activity. This behavior may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate, complete, and non-misleading information. 

Monthly updating of a written-off or closed account is harmful and misrepresents the true status of the debt. I believe this is a tactic to extend the negative impact of the account beyond what is fair or lawful. 

I previously attempted to dispute this with XXXX directly but received no adequate response. I am requesting that the CFPB investigate XXXX credit reporting of this account and require that : They stop updating the tradeline monthly unless new, factual activity has occurred They correct or remove the tradeline if they can not demonstrate the legality and accuracy of their reporting They provide documentation that supports the continued reporting as compliant with the FCRA I am simply seeking fair treatment and accurate credit reporting. I respectfully request the CFPBs help in holding XXXX accountable for this potentially misleading practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
15 U.S.C. 1681c-2 ( a ) ( FCRA Block Requirement ) : \nSection 605B of the FCRA requires ChexSystems to block and delete information resulting from identity theft within four business days of receiving my identity theft report, proof of identity, and identification of the disputed information. I have provided all required documentation, including the name of the reporting institution XXXX XXXX XXXX XXXXXXXX ) and the approximate debt amount, which is sufficient to identify the disputed entry. ChexSystems failure to act is a clear violation of federal law. 
Disputed Information Statement : \nThe disputed information does not relate to any transaction initiated by me. This account was fraudulently opened and used without my knowledge or 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 2025-07-08 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: I.C. System, Inc.
State: SC

Complaint narrative:
I am formally disputing the accuracy and completeness of the collection account listed on my credit report under the name XXXX XXXX  for the amount of {$370.00}, listed as placed for collection on or about XX/XX/year>. 

This account is being reported with incomplete and unverifiable information, including but not limited to : The failure to validate the debt as required under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

No documented proof that I have a legally binding contract with XXXXXXXX XXXX for this alleged debt. 

No chain of assignment proving that any third-party collection agency has legal standing to collect or report this item.

Failure to report the Date of First Delinquency ( DOFD ), violating FCRA 15 U.S. Code 1681c ( a ) ( 4 ) regarding the seven-year reporting limitation.

No account open date, making the tradeline unverifiable per FCRA 15 U.S. Code 1681e ( b ), which requires maximum possible accuracy.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). If the item can not be verified with original signed documents, it must be permanently deleted. I am asserting my rights under : FCRA 611 [ 15 U.S. Code 1681i ] : Dispute Resolution Procedures FCRA 607 ( b ) [ 15 U.S. Code 1681e ( b ) ] : Maximum Accuracy Requirement FDCPA 809 [ 15 U.S. Code 1692g ( b ) ] : Debt Validation Rights You are hereby notified that you must complete your investigation within 30 days and either : 1. Provide full validation, including a copy of the original contract and complete payment history from the original creditor, OR 2. Permanently delete the item from my credit report if verification is not possible.

Please provide a written statement of the outcome of this dispute and an updated credit report reflecting any changes.

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 2025-07-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I made a purchase of XXXX XXXX XXXX XXXX  for the amount of {$330.00} and {$360.00} with a company named XXXX XXXX. 
After making the purchase via credit card, I requested a tracking number. I recieved a tracking number but the number was incorrect. I made every attempt in text messages back and forth and with a phone recording trying to either get my product or money back. I submitted all of this as evidence except for the phone recording because USAA didn't accept this. All text and phone calls were done in XXXX but all the evidence is there which shows the company scammed me. 
USAA denied the claim and I submitted an appeal while uploading all the messages and still denied the dispute.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
What happened : I was the victim of a scam involving a fraudulent check deposit through my Chase Bank account. On XX/XX/year>, I deposited a check for {$2100.00}. Chase made {$500.00} immediately available and the remaining {$1600.00} available on XX/XX/year>. 

Because the full amount showed as cleared and available, I trusted that Chase had properly verified the funds. Based on this, I sent {$1800.00} by money order as part of an agreed transaction ( sale of an e-bike on the XXXX app, with the buyer sending overpayment for movers ). 

On XX/XX/year>, Chase reversed the check as fraudulent leaving me solely responsible for the {$1800.00} loss. I called Chase on XX/XX/XXXX and escalated my fraud claim only to be told that there was nothing the bank with regard to an appropriate reimbursement or resolution. I have since filed a police report ( Report XXXX : XXXX ) and have reported this scam to the FTC. 


Why I am filing this complaint : Chase failed to protect me as a customer by : Releasing funds from an unverified, fraudulent check.

Failing to properly detect fraud before clearing the funds.

Not taking responsibility for a loss caused by this oversight.

I acted in good faith, and I have full documentation showing that I only sent the funds once Chase made them available. I believe Chase is partially responsible for the financial loss because the banks clearing process gave me false assurance the funds were legitimate.

What I want : I want Chase to : Reimburse the full {$1800.00} lost due to the fraudulent check. 
Provide a clear explanation for how this occurred and what they are doing to prevent it from happening again. 


What I have done : Filed a police report ( Report XXXX : XXXX ) Reported the scam to the FTC. 


Desired Resolution : Full reimbursement of {$1800.00} and written confirmation of account correction. 


Supporting Docs : I can provide copies of the deposited check, bank statements, the money order and mailing receipts, all communications with the scammer, and any other documentation upon request. 


I would greatly appreciate your assistance in resolving this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EXPERIAN ) credit reporting agency, 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 am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and XXXX XXXX XXXX  accounts opened at DEPT OF ED/XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-08 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-07-08 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: IN

Complaint narrative:
I disputed a {$2900.00} collection reported by XXXX for XXXX XXXX XXXX with Experian XXXX XXXX I also sent XXXX a certified debt validation letter on XX/XX/year>. They never validated this debt or sent documentation. Despite this, the bureaus marked it verified without evidence. XXXX is also reporting misleading remarks suggesting I disagreed AFTER a completed investigation, harming my credit reputation. This violates FDCPA & FCRA requirements for proper validation and accuracy.

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 2025-07-08 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: IN

Complaint narrative:
I disputed a {$2900.00} collection reported by XXXX for XXXX XXXX XXXX with XXXX  XXXX TransUnion. I also sent XXXX a certified debt validation letter on XX/XX/year>. They never validated this debt or sent documentation. Despite this, the bureaus marked it verified without evidence. XXXX is also reporting misleading remarks suggesting I disagreed AFTER a completed investigation, harming my credit reputation. This violates FDCPA & FCRA requirements for proper validation and accuracy.

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 2025-07-08 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: GA

Complaint narrative:
Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , 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.

This fraudulent, inaccurate, and false information consists of the following accounts : Fraudulent Credit Card Accounts : - Creditor : XXXXXXXX XXXX  Date Opened : [ approx. prior to XXXX ] Account XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2100.00} ( Charge-off with disputed balance and unverifiable status ) - Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$16000.00} ( Charge-off with duplicate status errors and no proper verification ) - Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2500.00} ( Charge-off with duplicate status errors and no proper verification ) Fraudulent Auto Loan Accounts : - Creditor : XXXX  Date Opened XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$7500.00} ( 120-day late status, inflated balance, and ownership inaccuracies ) - Creditor : XXXX XXXXXXXX XXXX XXXX  Date Opened : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Amount : XXXX ( XXXX late status, inflated balance, and ownership inaccuracies ) Fraudulent Hard Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( All inquiries are unrelated to any accounts I opened or authorized ) I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint XXXX XXXX  ), my XXXX credit report, a list of unauthorized inquiries, and identity verification documents ( ID + utility bill ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: KS

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 response to consumer: Closed with explanation