vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
Account # : XXXX ( XXXX XXXX  Bank ) This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met. 
XXXX. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy. 
XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency XXXX not report information or create an account on my credit file without my written authorization, which does not exist in this case. 
XXXX. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard. 
XXXX. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation. 
If the information can not be verified, it must be deleted immediately, which applies here. 
XXXX. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report. 
If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met. 
XXXX. 15 U.S.C. 1681b : Permissible Purposes My credit information XXXX only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account # XXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt 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 2025-11-18 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-18 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: TX

Complaint narrative:
I am disputing the following accounts on my Experian report due to incorrect information. 

Charged Off : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX BANK XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Inquiries : XXXXXXXX XXXX  Date : XX/XX/XXXX EMSVETERANS XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX BANK Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-18 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX.  Per the USPS the letter was delivered on XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \XXXX XXXX XXXX (account # XXXX XXXX XXXX XXXX XXXX XXXX failed to respond. I sent another letter on XXXX5 which they failed to respond to once again.'

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I deposited my payroll check from into my Truist Bank account. Soon after, Truist placed a hold on the check, initially stating it would clear the following XXXX 

Instead, I was informed the check was flagged for suspected fraud. Despite repeated calls, Truist refused to verify the checks authenticity with XXXX Bank ( the issuing bank ) or release my funds. They then closed my account. 

My employer confirmed the check shows as deposited and could not stop payment or issue a replacement. I have contacted XXXX Bank to request a trace of the funds but need regulatory assistance as Truist has withheld my money without resolution.

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 2025-11-18 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: AZ

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to 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 2025-11-18 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:
I am submitting a dispute regarding inaccurate information on my credit reports. Below are the details of the accounts that are in dispute for each of the XXXX credit bureaus : Inquiries : XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I called Equifax and told them the law codes to remove collections off my credit profile but they refused to follow the law. I request {$1000.00} for this violation towards me. I wanted a copy of the 1099 C they never mention, they filed with taxes and are still trying to get paid a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays credit card luxury card was closed 2 years ago and have been billed XXXX in interest monthly and renewal fees they said would refund and Im still getting billed 2 months later they said its a interest fee and cant remove it interest on what there is no account open?

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payment I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-11-18 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payment I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I disputed XXXX of unauthorized charges to my checking acct in XXXX Wells Fargo has repeatedly denied my claim and specifically XXXX at the executive office has refused to allow me to appeal anymore. I currently am losing everything I own and my credit has taken a XXXX point nosedive because of this. I provided detailed transcripts of my conversation with XXXX where they remotely went through my devices and stated I did not make these charges. Wells Fargo has grossly violated my EFTA rights and I have been denied my money since XXXX and I also havent been provided any details Of the investigation as I requested. XXXX will not answer my calls so I have to leave voicemails. I fully intend to continue to pursue my money no matter what.

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 monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am disputing the following accounts listed on my credit reports with XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). These accounts are inaccurate and have not been resolved in accordance with the Fair Credit Reporting Act ( FCRA ). Please find the details of the disputed accounts and inquiries below. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-18 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 writing to dispute the following accounts currently reported on my Equifax credit report. I believe these accounts contain inaccurate or incomplete information that violates the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute 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 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 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 2025-11-18 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 submitting this statement regarding the following accounts, which are currently in dispute. I request that these accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

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 2025-11-18 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: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX {$60.00} Charge from XXXX Case ID : # XXXX XX/XX/XXXX {$75.00} Charge from XXXX Case ID : # XXXX I returned the above items related to these amounts. XXXX claimed they refunded but never did. I opened disputes with the bank and they were provided documentation proving the returns were authorized and the items were returned, yet the bank claims they need more documentation. Nonsense. They have everything they need proving items were returned and refund was never processed.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-18 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: DC

Complaint narrative:
I am filing this complaint because TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) when reporting and reinvestigating the XXXX XXXX XXXX XXXX account listed above. I disputed the completeness and accuracy of the payment history, yet the information TransUnion is publishing continues to be inaccurate, inconsistent, and in violation of several FCRA provisions. 

XXXX. Payment Received Showing {$0.00} Is Inaccurate TransUnion is furnishing that the payment received on this account is {$0.00}, which does not match the actual payment history. The payment history clearly reflects that payments were made, yet TransUnion continues to report a {$0.00} payment amount. 
This violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy.

2. Last Payment Date Is Incorrect TransUnion reports that the last payment was made on XX/XX/XXXX. However, the payment history TransUnion is publishing shows the actual last payment occurred in XX/XX/XXXX. 
This discrepancy demonstrates a failure to update the account accurately and violates both 607 ( b ) and 611 ( a ) for failing to correct inaccurate information after a consumer dispute. 

XXXX. Account Closed Date Is Incorrect TransUnion reports the account as closed on XX/XX/XXXX. However, the payment history on the same tradeline clearly shows the account was closed in XX/XX/XXXX. 
Reporting an incorrect closure date is materially misleading and violates 607 ( b ) and 623 ( a ) ( 1 ) ( A ) because the information remains inconsistent after reinvestigation.

4. Improper Reinvestigation I disputed this account, and TransUnion marked it as verified, yet the inaccuracies listed above remained unchanged.

This failure to correct or remove inaccurate data violates : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) failure to delete or modify inaccurate information FCRA 607 ( b ) failure to ensure maximum possible 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I was notified today on my credit report of an entry from ONLINE COLLECTIONS XXXX  showing a balance due of {$470.00}. I do not recognize this debt, nor can I locate any information about the company claiming I owe it. I would like to dispute this item.

Company response to consumer: Closed with explanation