vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accounts listed below that appear on my TransUnion credit report. Due to recent data breaches and compromised personal information, I believe these accounts may have been affected or reported inaccurately.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am asserting my right to request a full investigation and verification of all accounts in question. The FCRA mandates that TransUnion ensure maximum possible accuracy in the information it reports. If any account can not be completely verified through original creditor documentation, it must be deleted or corrected immediately. 
Account Name : 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 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 non-monetary relief
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
I am submitting this complaint because Equifax continues to report inaccurate information even after I filed a dispute more than 30 days ago. The reinvestigation period under the Fair Credit Reporting Act ( FCRA 1681i ) has expired, and Equifax has failed to properly verify or correct the errors. 

XXXX. XXXX XXXX XXXX Account # XXXX Equifax is reporting this account as closed on XX/XX/year>, with a late payment. 
This is false. The account is open and active, and I continue to make monthly payments to XXXX XXXX XXXX. I have never been 30 days late. The single late notation originated from a billing error that was quickly corrected. 

Additionally, XXXX reports the same account as closed but with a different closure date ( XX/XX/year> ) further showing that the data has not been accurately verified across bureaus. This inconsistency violates the accuracy and reinvestigation requirements under the FCRA. 

XXXX. XXXX XXXX XXXX XXXX Account Equifax is reporting a collection account from XXXXXXXX XXXX XXXX that does not belong to me. I never opened or authorized any account related to this debt. 

XXXX has already deleted the same account after its investigation, confirming that the information could not be verified. Despite this, Equifax continues to report it and has exceeded the FCRAs 30-day investigation window.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TN

Complaint narrative:
I was involved in a data breach and my information was used without my consent, I have attached letters that should be sent to all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
ChexSystems , Inc. furnished inaccurate and unverified consumer data to XXXX Bank, resulting in denial of a bank account. The alleged debt is from XXXX XXXX, but it does not appear on any credit report, and no validation or proof of debt has ever been provided. ChexSystems continues to act as a third-party data collector/furnisher without consent or permissible purpose, in violation of the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681b, and 1681s-2 ) and FDCPA ( 15 U.S.C. 1692e and 1692f ).

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
Filed claims totaling 4, XXXX  that were in authorized not made by me bank removed charges but I wasnt paid

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 2025-11-08 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 am submitting this formal dispute regarding the accuracy of the following accounts and inquiries appearing on my Equifax credit report. These items may have resulted from recent national data breaches and could have been added in error. In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 602A and 611, I request that Equifax conduct a thorough investigation to verify the accuracy and authorization of these items. 
If verification can not be fully established, they must be immediately deleted from my credit report. 
Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
Despite being paid in full, the account continues to show late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
I am writing to formally dispute the accuracy of the accounts and inquiries listed below that appear on my Experian credit report. Due to recent data breaches and potential compromise of my personal information, I believe these accounts and inquiries may have been affected or reported inaccurately. 
Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9800.00} Account Name : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$590.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$310.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: PR

Complaint narrative:
I closed my checking account with Truist Bank nearly a month ago. I fulfilled all the necessary steps to close the account. I have called several times and have not received a clear explanation. They don't give me an answer as to why I haven't received the check for the balance of the closed checking account. 

Last time I called, on XX/XX/XXXX, a Truist representative told me that I would receive a check with the remaining balance by Thursday or Friday of the following week. Today is Saturday, XX/XX/XXXX and I still have not received the check. 

All I have received from them is the account statement ( attachment ), but the check was not included in that envelope. I have not received any other envelope or correspondence containing the check. 

This delay is causing stress and financial disruption. I am requesting that the bank immediately send the funds, provide a tracking number, and explain the reason for the 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 non-monetary relief
Consumer complaint received 2025-11-09 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: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
I am filing a complaint against The Law Office of Jennifer McCoy for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this alleged debt in writing and requested validation. Despite my dispute, on XX/XX/year>, The Law Office of Jennifer McCoy reported a new collection account to the credit bureaus in the amount of {$8000.00}, listed under their firms name. 

This account was reported after I exercised my dispute rights, which constitutes continued collection activity in violation of 15 U.S.C. 1692g ( b ) and false or misleading credit reporting under 15 U.S.C. 1692e ( 8 ). 

In addition, another company is attempting to collect this same alleged debt for a different amount, suggesting duplicate or inaccurate reporting. 

I am requesting that this tradeline be immediately deleted from all credit reports and that The Law Office of Jennifer McCoy cease all collection activity related to this account.

Attached are : Screenshot from my XXXX XXXX report showing the date and amount reported Copy of my original dispute letter sent to the collector Copy of the follow-up Formal Notice of Violation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have been a member of XXXX XXXX Military since XX/XX/XXXX. I applied for an American Express Gold Card in XX/XX/XXXX. I have been charged an annual fee every year, and I am seeking a reimbursement of the annual fee due to my XXXX XXXX military status. 

I first discovered this problem in XXXX, and after months of sending an XXXX request and waiting the advertised XXXX weeks, and then calling again, I was denied in XX/XX/XXXX. I proceeded to start another series of phone calls and denials until I was told that American Express had the wrong SSN for me on file, and I will be reimbursed. I then went on XXXX and did not check on my reimbursement. Most recently, I discovered in XXXX of XXXX that I was being charged my annual fee again, and that I never received a reimbursement from previous years. 

I called the American Express Customer Service line on multiple occasions, and I have been denied Military Lending Act Eligibility on multiple occasions, to include emails from XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. I have appealed my denial on each of these occasions, and I have not received any resolution. My most recent phone conversation with a customer service representative said that my appeal has been closed, and " there were no errors from American Express ''. I have uploaded to my account Document Center, a valid XXXX eligibility certificate, and a Leave and Earning Statement that indicated my current XXXX XXXX status and the fact that I have been XXXX XXXX since XX/XX/XXXX. 

American Express Customer Service says that the office that handles the XXXX eligibility requests are a " back office '' and refuses to provide me any email or phone information. They continue to refer me to either wait for resolution or just resubmit an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ava Finance, Inc
State: NM

Complaint narrative:
I opened an Ava credit account with a {$1000.00} limit. The agreement I signed before opening stated that Ava reports credit limits, payment history, and account status to all three major credit bureaus XXXX, XXXX, and XXXX. My account has been reporting correctly to XXXX  and XXXX, but it has never appeared on my XXXX  credit report. 

I have contacted both Ava and XXXX  to resolve this, but it is still missing from XXXX. This missing reporting is negatively affecting my credit profile and credit-building efforts. I am requesting that XXXX  investigate and ensure the Ava account is properly added and updated as stated in the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unauthorized entries on my credit report that are causing significant financial harm. These items include false late payments, unverifiable charge-offs, and unauthorized inquiries. This complaint is submitted under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires furnishers and credit reporting agencies to report only accurate, complete, and verifiable information.

I demand immediate investigation and deletion of the following items if verification can not be provided : XXXX XXXX XXXX  Open Date XX/XX/XXXX High Credit {$900.00} Late Payment I have never missed a payment on this account. The late payment reported is false and misleading. This inaccurate reporting is causing undue harm to my creditworthiness. I demand immediate correction to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off This account is also unknown to me. The charge-off status is inaccurate. I request an immediate investigation and deletion from my credit file in accordance with FCRA. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I dispute this account. I have no knowledge of any balance or charge-off associated with me. Its reporting is false and must be removed immediately. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of this account and did not authorize it. The charge-off notation is unverifiable and may be fraudulent. Per FCRA Section 611, I request deletion if verification can not be provided. 
Demand : I request that the Consumer Financial Protection Bureau ensure these false, unverifiable, and unauthorized items are immediately removed from my credit report. Failure to comply with FCRA requirements constitutes a willful violation, and I reserve the right to pursue all legal remedies available, including damages and attorney fees. I demand written confirmation of the resolution of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: OH

Complaint narrative:
On XX/XX/year> I had received a {$300.00} loan from Buffalo lake lending. I spent the {$300.00} on necessities and the next day they emailed me that I was denied.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
In XX/XX/XXXX I opened a secured credit card account through XXXX XXXX XXXX XXXX XXXX XXXX  with a {$100.00} limit. 
The account now appears on my TransUnion report as Collection / Charge-Off with a {$120.00} balance, {$130.00} original balance, and remarks Charged off as bad debt | Profit and loss write-off. 

On XX/XX/XXXX, I disputed this tradeline with TransUnion under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines.

I asked for verification of the original signed contract, complete payment history, and correct Metro 2 reporting codes. 

TransUnion responded only with : Account information disputed by consumer, meets FCRA requirements. 

That generic statement does not prove that a full reinvestigation occurred or that the furnisher supplied supporting documentation. 
The account remains on file with inconsistent datashowing a {$100.00} limit but a {$130.00} original balanceindicating unverified and inaccurate reporting. 

These actions violate : 15 U.S.C. 1681e ( b ) Duty to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duties upon notice of 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 2025-11-09 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:
Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter

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