vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
Supplemental Evidence Emotional Distress, Ignored By Remitly XXXX & Transaction Correction, addendum to CFPB Complaint XXXX URGENT : This supplemental addendum documents my severe emotional distress caused by Remitlys mishandling of a fraud case. Despite my repeated attempts to resolve the matter that includes 120 transactions totaling {$5200.00} USD and direct XXXX communications that were completely ignored, Remitly failed to provide a promised refund or consistent guidance. The attached screenshots and evidence clearly demonstrate financial loss, emotional strain, and XXXX XXXX Immediate review and consideration of this supplemental evidence is requested.

I am submitting urgent supplemental evidence related to my ongoing CFPB Complaint, number : XXXX, regarding Remitlys mishandling of a fraud case that has caused me severe emotional distress. The mishandling of this case has led to XXXX XXXX XXXXinancial uncertainty, and emotional strain, all of which are well-documented in the attached screenshots. 

XXXX. Transaction Correction : Contrary to statements made by Remitly representatives, I completed 120 transactions totaling {$5200.00} USD, not 110 transactions totaling {$5000.00} USD as previously reported by their phone agent on XX/XX/year>. This corrects the official record. 

XXXX. Emotional Distress & Mishandling : The emotional distress caused by Remitly includes : * Significant stress and anxiety * Difficulty managing daily responsibilities * Ongoing strain from financial uncertainty and exposure to the fraudster These effects were directly caused by inconsistent communications, contradictory statements, and failure to provide the promised refund. 

XXXX. XXXX Communication Evidence : I am also providing screenshots of my messages sent to Remitlys official XXXX line XXXX ( XXXX ) XXXX, which were completely ignored despite multiple attempts to contact them about the fraud and refund. This demonstrates that I made reasonable efforts to resolve the matter, and Remitlys inaction directly contributed to my emotional distress. 

While the screenshots may not be perfectly chronological, they clearly document my communications, the fraud, and the resulting emotional and financial impact. Combined with prior evidence, they provide a complete record of the case.

Thank you for your attention and for reviewing this material.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase reduced my credit limit without any notice, explanation, or adverse action letter. My credit limit was previously {$3000.00} ( as shown on my statement ), and it was lowered to {$1500.00} without warning. I did not request this change, and I received no email, secure message, or mailed adverse action notice, which is required by law under the Fair Credit Reporting Act and Regulation B. 
This unannounced reduction significantly impacted my credit utilization and score. When I contacted Chase to resolve the issue and have my original limit restored, they stated the only option was a reconsideration that requires a hard credit inquiry. I should not be forced to accept a hard inquiry to correct an action that Chase took without proper legal notice. 
I am requesting that my credit limit be restored to the previous {$3000.00} without requiring a hard pull, and that Chase provide the required adverse action notice and explanation for the reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
I am submitting a complaint regarding a collection account under XXXX  XXXX ( Account # : XXXX ) that appears on my credit report. I do not recognize this account and was never notified about it before seeing it on my credit file. Its really stressing me out as this account was reported without my consent this violates 15 U.S.C 1681b ( 2 ). I also have the rights to receive a complete validation notice that includes the name of the original creditor, a full breakdown of the balance, and evidence of your right to collect this debt. Under 15 U.S.C 1681 s2 ( a ) ( 7 ) ( A ), for not notifying me of my right to dispute the debt before reporting it. You also furnished unverified information which violates 15 U.S.C 1681e ( b ). I am demanding that you provide with all the following : ( 1 ) complete validation notice, ( 2 ) a copy of any signed agreement with my sign on it, ( 3 ) and a detailed breakdown of the alleged balance. If these demands are not met the account MUST BE DELETED from all consumer reporting agencies.

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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I accidentally sent a {$100.00} transaction to a friend through Bank of America. The payment has been placed under a long review with no option for me to dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second CFPB complaint against TransUnion because your response does not comply with the FCRA, the FDCPA, or Metro 2 reporting standards. I disputed the following items : XXXX XXXX XXXX ( Acct # XXXX Late Payment ), XXXX XXXX XXXX ( Acct # XXXX Late Payment ), XXXX  XXXX ( Acct # XXXX Late Payment ), XXXX ( Acct # XXXX Late Payment ), and XXXX XXXX ( Acct # XXXX Collection ). TransUnions investigation only marked these tradelines as ACTIVE DISPUTE, which is not verification under FCRA 611 ( a ) ( 1 ) ( A ). You completed no reasonable reinvestigation, provided no documents, no payment histories, no proof from furnishers, and did not provide the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) or 611 ( a ) ( 7 ). All you did was update status codes. That violates federal law. 
You also deleted two XXXX XXXX XXXX  entries, proving that inaccurate information existed, but you did not apply the same standard to the remaining disputed items, which violates FCRA 611 ( a ) ( 5 ). Your response ignored every substantive point of my dispute, including duplicate Metro 2 coding, missing DOFD data, inconsistent payment history fields, and the fact that the XXXX XXXX collection is not mine and has never been validated. I never received a written notice before that collection was placed on my credit report, which is a direct violation of FDCPA 809 ( a ). I also never received validation after I disputed the debt, which violates 809 ( b ). TransUnion is knowingly reporting an unvalidated debt in violation of FCRA 607 ( b ) and Metro 2s accuracy and completeness standards. 
Late payments require proof of the actual payment date, the internal ledger history, and documentation from the furnisher. This is not optionalthis is federal law and can be verified publicly. For a collection, the furnisher must supply the original creditor agreement, itemized accounting, proof of ownership/chain of title, and proper assignment. You failed to request or provide any of this. Instead, you responded with generic template language and ignored federal obligations. I also want to make it clear : I am fully aware of TransUnions history of lawsuits, enforcement actions, and multiple data breaches. You will not violate my rights and hide behind template responses. I am prepared to sue.

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 2025-11-26 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
Bounce AI is reporting a collection account on my XXXX  and XXXX  credit reports as open, which is inaccurate and misleading. XXXX accounts are not active credit lines, and reporting them as open misrepresents the status of the debt. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide accurate, complete, and non-misleading information to consumer reporting agencies.I am requesting that Bounce AI provide verification supporting why they are reporting this account as open. If they can not verify the accuracy of this status, I request that the account be deleted from my credit reports. 

Resolution Requested : Verification of the correct account status Correction of reporting to reflect the proper status ( closed/in collections ) Deletion of the account if verification can not be provided Written confirmation of the results Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the following account due to inaccurate and unverifiable reporting : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Status : Charge-off Balance : {$0.00} Remarks : Paid profit and loss AND Purchased by another lender Closed : XX/XX/year>XXXX  This account contains multiple Metro-2 compliance violations, conflicting remark codes, and no active balance making the entry unverifiable. 

Under FCRA 602 ( A ), 607 ( b ), and 611, you must delete any unverifiable information. 

This account must be removed immediately if the furnisher can not produce original, date-stamped documentation.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
In XX/XX/year>, a dental provider billed XXXX XXXX for a procedure before the work was completed. The filling performed on my tooth was done improperly and resulted in a fractured tooth, ongoing pain, and the need for a medically necessary root canal and crown, as documented by a second dentist on XX/XX/year>. I provided XXXX with XXXX, clinical notes, and multiple records proving that the original procedure was done incorrectly and caused injury. 

I disputed the account with XXXX because the services were not rendered properly and I should not be held responsible for charges tied to negligent or incomplete dental work. The provider partially refunded XXXX, which further confirms the service was defective. However, XXXX refused to correct the account and continued to treat the loan as valid debt. 

Despite my ongoing dispute and the evidence submitted, XXXX reported the account as delinquent to my credit report. This account was NOT delinquent it is actively disputed, tied to defective medical work, and should not have been furnished to the credit bureaus while the dispute was unresolved. 

I requested verification of the debt, billing documentation, and a full investigation. XXXX did not provide proper verification or correct the inaccurate reporting. Their reporting has now negatively impacted my credit, and the company has ignored the documented evidence that the service was faulty and partially refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  for materially inaccurate, inconsistent, and unlawfully furnished information that has now been proven unreliable based on their own recent corrections. 
After submitting a dispute, my credit file was updated to show that XXXX XXXX XXXX  changed multiple months of payment history. These changes conflict directly with the previous information XXXX XXXX furnished and demonstrate that the account data was not accurate, consistent, or verifiable as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris & Harris XXXX XXXX sent me a written notice dated XX/XX/year>, claiming that I owe a {$280.00} debt to the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. I dispute this debt completely. I have never received any ticket, citation, court notice, judgment, or any form of service related to this alleged debt. I have never signed for or acknowledged any court paperwork, and I was never notified of any violation by the court. 

Because I believe this debt is not mine, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and requested full validation of the debt. I specifically asked for a copy of the original citation or judgment with proof of service, documentation showing I was notified by the court, and proof that Harris & Harris is legally authorized to collect this debt. 

This company is attempting to collect a debt that does not belong to me, and I am concerned they may continue collection activity or attempt to report this invalid debt to the credit bureaus or the XXXX XXXX XXXX. I am requesting that the CFPB require Harris & Harris to provide proper validation and stop all collection efforts until they comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation