vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
This is now my third and FINAL notice regarding the continued reporting of false, inaccurate, and unverifiable information on my credit file : XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 15 USC 1681b ( a ) ( 3 ) : Permissible Purpose Instruction : Explain the permissible purpose for accessing my credit file in relation to this collection account & DELETE this account immediately. 
Let me be very clear your failure to correct this matter after multiple lawful disputes is no longer just negligence. It is now willful, malicious, and entirely unlawful conduct designed to harm me. 
I am a consumer with rights protected under federal law. I have notified you on two prior occasions and provided every opportunity for you to correct this situation. Instead, you have chosen to ignore your legal obligations, leaving damaging and false information on my credit report. This stops now.

The following laws are being violated by your continued actions : FCRA Violations

: 15 U.S.C. 1681e ( b ) : You have willfully failed to ensure maximum possible accuracy. 15 U.S.C. 1681i : You failed to conduct a lawful reinvestigation and correct the information within the required time. 15 U.S.C. 1681s-2 : You continue reporting false, unverifiable information, kno
wingly violating my rights.

1 of 3 FDCPA Violations : 15 U.S.C. 1692e : You are deceptively misrepresenting the validity of this alleged debt. 15 U.S.C. 1692f : You are engaging in unfair and abusive reporting practices that have caused me financial and emotional harm.

UCC Violations : UCC 3-305 & 1-103 ( a ) : You are knowingly reporting debts for which there is no legal, verifiable agreement this is outright fraud. 
Intentional Harm & Emotional Distress : Your continued refusal to delete this unlawful entry is causing me extreme emotional distress, XXXX, and financial harm. I have been denied credit opportunities, faced embarrassment, and endured financial instability due to your reckless and illegal actions. 
I want you to understand that your failure to act is not just a violation of technical statutes it is causing real, lasting damage to my life and wellbeing. You are knowingly and willfully violating my consumer rights. 
Case Law Precedent : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : You are required to conduct a truly independent and reasonable investigation parroting creditor information is insufficient and unlawful. 
XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failing to delete inaccurate information after proper notice is a clear FCRA violation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Continuing to report inaccurate data after consumer dispute constitutes willful noncompliance, subject to full legal damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I am filing this second-round complaint because my credit report with EQUIFAX still contains inaccurate name variations and invalid addresses that I did not authorize or provide. Despite my previous request, this incorrect personal information remains on my credit file. I have again submitted my identification, Social Security number, and proof of current address to support my claim. 

I have identified inaccurate personal information on my credit report, including multiple unauthorized name variations and outdated addresses that do not belong to me. 

My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see proof attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ( proof attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted.

I am formally demanding that you complete a reinvestigation and update and correct my personal information to reflect only accurate and verifiable data as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$51000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Friday the collection lawyers sent a letter to wells saying my funds were to be released to me ( wich they werent ) .it 's now Tuesday and wells is den XXXX getting the release letter.i got a copy of the letter sent tome from my lawyer Friday wich means the other lawyers drafted it up sentbitvtovthe courts and the release letter was sent to wells which they still deny. No clue why wells is being such uncooperative as he'll for me to get my funds the fac t thar they screwed up and never should have touched my funds to begin with its dissability funds protected by federal law.noew im looking at eviction because I c ouldntbpay my rent cause wells seized my check and now won't give it back when it's been cleared with the lawyers for the collection company.i feel like it's discrimination to be honest.what other viable reason is there to con t interest stomping on my civil rights as ND not returning my cash? all legal steps have been taken dfor me to get my cash back .period there is no excuse for such behavior from a buisness.

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 2025-10-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I tried to use my bank app on my phone and it would not recognize my information. I went in to the bank to find out why and was informed my account was closed. They said it was because I put the bank at risk but no more information then that. Gave me a number to call and they said same thing that the bank and myself were at risk this the account was closed. Refused to give anymore information and will not reopen or open a new account. 

This is unfair .. how do I know what I did wrong if they won't tell me. Also because of this I can't get my social security now until XXXX and they closed in XXXX so now I can't pay rent.

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 2025-10-21 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
XXXX XXXX is reporting a {$210.00} collection account on my credit report that I do not owe. 

This issue began when I returned a XXXX device in full working condition. However, a store representative mistakenly opened XXXX accounts under my name. One was properly closed, but the second was left open in error and later sent to collections. 

I have multiple recordings and documentation confirming that I returned the device and do not owe this balance. XXXX representatives have acknowledged the mistake, and the account now appears on my credit reports as Account disputed by consumer. 

It has been nearly two months since I initiated the dispute, and the item still has not been removed. Under the Fair Credit Reporting Act ( FCRA ), companies are required to correct or delete inaccurate information within 30 days of a consumer dispute. 

I am requesting that XXXX XXXX immediately notify XXXX, XXXX, and XXXX  to delete this collection account entirely from my credit reports. 

This inaccurate reporting is causing harm to my credit profile and violates my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I requested my credit report from XXXX, and I also disputed things that were on my credit report. Some were mine and some were not mine. I filed the dispute. They sent me information saying that the dispute had been investigated and nothing has changed and I have disputed this multiple times with experience XXXX  is holding my credit score at a low level and I know that for a fact that my credit score should be higher And instead of them taking care of what I request XXXX  is study offer me credit cards, and after I log off of XXXX, I have credit card companies. Emailing me offer me lines of credit that I did not ask for..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX and XX/XX/XXXX, Bank of America reported my credit card account ( ending XXXX ) as 30 days late to XXXX  and other credit bureaus. 

The information is inaccurate. I made timely payments and contacted Bank of America multiple times to correct the record. I also submitted a written dispute in XX/XX/XXXX, requesting investigation and documentation supporting their claim. 

On XX/XX/XXXX, Bank of America responded by letter stating that they did not find any errors, but they did not provide any documents, payment history, or investigation details. The late-payment entries remain on my report, harming my credit profile and loan eligibility. 

I believe the bank did not conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( b ). I am asking the CFPB to review this matter and require Bank of America to either provide verification of the alleged delinquencies or delete the inaccurate late-payment data from all consumer reports. 

Supporting documentation includes the XX/XX/XXXX letter from Bank of America and a current XXXX  report showing the disputed late-payment entries.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their respons
e without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-21 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:
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.

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