vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 5 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : The company continues to report an old/wrong address despite receiving proof of the correct one. 
The company is reporting my name incorrectly in their records and to the credit bureaus.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I called XXXX  XXXX  as there were several accounts i have no record of on my credit report showing potentially negative. I have a copy of the audio from the call where i gave them my personal information and they confirmed that i have no accounts with their company.

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 2025-08-09 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 contact them by phone to ask if I can dispute this action and they give me a hard time and very disrespectful TransUnion is the most hardest place to get to fix anything on credit report of all inquiries need to be removed because someone stole my information an close account all the school information that protein to the XXXX XXXX XXXX XXXX XXXX which is close down

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been using Bank of America to start my savings and recently I was doing pretty good at my new job XXXX XXXX and just depositing my checks here after I cashed them. However I checked my account one day and was left with XXXX bucks after depositing almost close to XXXX, so I immediately froze my debit card so it wouldnt be charged again. I called my bank but it was after hours so I waited to call them and finally was about to dispute it and get a new card sent. All of the merchants were complicated and difficult for me to even pronounce I will include a screenshot of the merchants below as well. The person on the phone seemed distraught that I had experienced this type of horror. I can only think of where I usually go, I was using my card regularly and thought maybe my card information was stolen when swiped as I hear there are skimmers that exist from research when using your cards at various places. With all of this being said I thought I was in great hands with Bank of America since they have a great reputation. However I was distraught to see my claim denied in a mere 3 days, I dont think it was even investigated at all!!! How is a claim thats {$9600.00} investigated for a measly 3 days and denied. This is a shame and I want my money back! I even called and asked could I provide any type of proof that I didnt do this and they stated no it had already came to a conclusion and they couldnt provide me with any of the merchants so I could contact myself, I dont even think they know who the merchants are because I have been trying to locate the merchants for days which I will include in the photos below along with their lousy email letter of their resolution. Also with the documents attached those are the merchants and its not all of them but its most of them because they have the same suspicious names that cant be found and all spammed at the same time without my phone receiving ANY TYPE OF ALERTS! 

CLAIM ID : XXXX Claim amount : {$9600.00} Claim opened : XX/XX/year> 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 2025-08-09 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DOE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : DOE XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year>

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 2025-08-09 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:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the highest standards of accuracy required under the Fair Credit Reporting Act ( FCRA ). These errors are causing ongoing and substantial harm to my financial standing and personal well-being.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX  regarding the accuracy of information reported by Capital One Bank USA on my credit file ( account ending in XXXX ). My dispute included that the account contains inaccurate information, specifically [ list inaccuracies e.g., incorrect payment history, incorrect dates, incorrect status ]. 

On XX/XX/year>, XXXX  marked the dispute as Verified as Reported without providing any documentary proof from the furnisher supporting their verification. Instead, they simply updated certain historical fields ( e.g., Closed Date and Historical Account Information ), but left the inaccurate reporting intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/year> Early Warning Services , LLC XXXX : Consumer Services XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX Subject : Formal Dispute Unauthorized Use/Sale of Personal Information & Identity Theft To Whom It May Concern, I am formally disputing and demanding the immediate removal of any and all information you have reported, maintained, or disclosed about me in connection with the denial referenced in the attached Notice of Action from XXXX XXXX dated XX/XX/year> XXXX 

This letter also serves as notice that I am a victim of identity theft and that I believe my personal information has been sold, shared, or used for personal gain without my knowledge or consent, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Gramm-Leach-Bliley Act, and other applicable federal and state consumer protection laws. 

Attached : Copy of Notice of Action from XXXX XXXX  dated XX/XX/year> Government-issued photo identification Proof of address You are required by law to respond within the timeframes prescribed by the FCRA. I expect written confirmation of your compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Lead Bank Account Reporting Inaccuracies To Whom It May Concern : I am writing to dispute inaccurate information on my Equifax credit report regarding a closed account with XXXX Bank. The account is incorrectly reporting missed payments for XXXX and XX/XX/XXXX. 

As the account is closed, these reported late payments are factually incorrect and damaging to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported to credit bureaus must be accurate and complete. 

Specifically : The account is closed, and I dispute the reported missed payments for XX/XX/XXXX and XX/XX/XXXX. 
Reporting late payments after account closure is inaccurate and violates the FCRA. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Additionally, 15 U.S.C. 1681i ( a ) requires Equifax to conduct a reasonable reinvestigation when a consumer disputes information. 

Case law supports my position : In Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), courts held that credit reporting agencies must conduct meaningful reinvestigations when a consumer disputes inaccurate information.

In Dennis v. BEH Gaming , LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court emphasized the duty of furnishers to ensure the accuracy of reported information.

Demand for Action : 1. Conduct a thorough reinvestigation of this XXXX XXXX account, focusing on the disputed XXXX  and XXXX XXXX late payments. 
XXXX. Remove any inaccurate late payment notations for these months. 
XXXX. Provide me with the method of verification used to confirm the accuracy of these reported late payments. 
XXXX. Provide an updated credit report reflecting corrected information. 

Failure to comply with the FCRA will leave me no choice but to pursue all available remedies, including complaints to the Consumer Financial Protection Bureau and seeking damages under 15 U.S.C. 1681n & 1681o. 

Please respond within XXXX  days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Albert Corporation
State: CA

Complaint narrative:
Help! No matter what I do Albert will not send a password reset link as requested, and will not provide any direct customer contact in any form, even via email or the app. I no longer have a mobile phone, though that didnt work either with the app. Theyve taken my money and wont give it back, have tried accessing the web portal. I regret using this service so much. Please help me get access to my funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
Information and account has been taken off and illegally put back on

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 2025-08-09 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: CA

Complaint narrative:
I am filing this formal complaint regarding the inaccurate reporting of multiple late payments by Equifax. According to their records, several payments are falsely listed as late. These payments were made on time, yet this incorrect information remains on my credit report, unfairly damaging my credit score and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccuracies that fall short of required standards of accuracy and are causing significant, ongoing harm to my finances and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I received a Synchrony Bank/Sams Club credit card alert of card not present purchased from XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX purchase for 1 ticket for total of {$340.00} and XXXX XXXX for 2 ticket for total of {$290.00}. The XXXX XXXX ticket was for 1 ticket to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV. XXXX XXXX XXXX tickets for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV. I disputed these 2 purchase since day XXXX, XX/XX/year>. I have sent the texts and emails to Synchrony by mail and fax associated with XXXX XXXX XXXX XXXX XXXX and have said I never replied to any texts or emails from these ticket agencies. On XX/XX/year> a letter from Synchrony showed up in my email inbox stating my Claim Review was completed and reason marked on letter was You authorized, participated in, or benefited from the purchase. Being upset I called and disputed the letter and I asked what proof they had and they said the merchant said that it was me that purchased the tickets. On XX/XX/year> I got another letter saying the same thing. I called Synchrony again and said I want to see proof. Has my identity been stolen I ask. Synchrony said my charges are still under review. I am XXXX XXXX XXXX on Social Security income and live in XXXX California and feel upset and offended of Synchrony Banks reason that I authorized, participated in, or benefited from the purchase.

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX / XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX TN XXXX XXXX XXXX has taken action against the XXXX XXXX and others for fraud. The petitioner 's commercial account was used in a fraud/racketeering scheme to cover up the theft of the petitioner 's idendity and property. A request for information has been filed with FIRST HORIZON BANK regading this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am requesting the full deletion of a XXXX  XXXX account ( Account # : XXXX ) from all credit reporting agencies due to persistent inaccurate, misleading, and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

This account was : Opened in XXXX, later charged off. 
Settled in full for less than the full balance in XX/XX/XXXX. 
Canceled and reported as forgiven debt by XXXX XXXX XXXX IRS Form 1099-C, which Ive attached to this complaint.

Despite this, the tradeline is still harming my credit due to the following violations : 1. Inconsistent Status Reporting : TransUnion and Experian show the account as Paid.

Equifax shows Derogatory even though the balance is {$0.00} and the debt has been resolved. 

2. Late Payments After Final Payment : Equifax is incorrectly reporting 90 to 150-day late payments in XXXX, after the date the account was settled and closed ( XX/XX/XXXX ). 
These delinquencies are factually inaccurate, as no payments were missed after the debt was settled. 

3. Inconsistent Comments Across Bureaus : Remarks are not uniform and create confusion for potential lenders.

TransUnion states Settled - less than full balance, while Equifax and Experian show variations of Account legally paid in full for less than the full balance.

4. Lingering Charge-Off Status Despite Settlement : All three bureaus still reflect Charge-off under Payment Status, even though the account has been settled and closed with {$0.00} balance.

This is misleading and punitive, especially after XXXX XXXX officially canceled the debt and filed a 1099-C.

Under the FCRA, all data must be accurate, consistent, and not misleading. The XXXX XXXX tradeline fails all three standards.

Company response to consumer: Closed with non-monetary relief