vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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:
Equifax is reporting a tradeline within my consumer report that is inaccurate and that violates the FCRA, metro2 compliance, and IRS requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have additional information regarding cfpb case complaint id XXXX. On XX/XX/year> I sent Citibank a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 12 CFR 1022.43 regarding inaccurate and inconsistent credit reporting for Account # XXXX. 

On XX/XX/year> Citibank responded to my CFPB complaint but failed to address the disputes core issue, accuracy of furnished data. 

Instead of investigating the discrepancies ( open dates, high credit, limits, payment history ) Citibank treated my notice as a debt-validation request and admitted that a copy of the application is not available. 
Citibank also stated that because earlier disputes came from the credit bureaus, they responded only to the bureaus and not to me directly, contradicting their obligation to investigate direct disputes. 

Their response did not include any documentation verifying the data being furnished to XXXX, XXXX, or XXXX  and relied solely on prior internal findings. 
They then placed a Completed Investigation of FCRA dispute consumer disagrees note on my file, which does not remedy the inaccurate reporting. 

Citibanks actions violate 12 CFR 1022.43 ( e ) ( 3 ) for failing to complete and communicate investigation results to me as the consumer, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for furnishing information known or believed to be inaccurate, 15 U.S.C. 1681s-2 ( b ) for failing to conduct a reasonable reinvestigation after receiving notice of my dispute, and 12 CFR 1022.42 ( a ) for failing to maintain written policies and procedures to ensure the accuracy and integrity of the information being furnished. 

Because Citibank continues to report conflicting data without substantiation, my credit scores remain suppressed, resulting in credit denials, increased interest rates, and reputational harm.

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 2025-12-03 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I was the victim of a scam involving XXXX XXXX transfers I made through Bank of America. On XX/XX/2024, I sent XXXX dollars through XXXX to XXXX XXXX for a car purchase. On XX/XX/2024, I sent an additional XXXX dollars. I never received the car and later realized I had been scammed. 

I filed a fraud/scam claim with Bank of America XXXX and the response I received stated that the transactions posted according to instructions provided and that the claim could not be approved. After receiving this denial, I contacted XXXX. The XXXX agent advised me to reach out to my bank again and let them know I had filed a police report, an FTC report, and an IC3 report so that the bank could consider reopening the case, as any further action ( such as flagging the recipient or contacting the receiving bank ) would need to come from Bank of America. 

I called the bank again to request reopening the case and informed them that I had already reported the incident to local law enforcement, and that I have the Case ID. However, I was told again that the claim could not be reopened because the transfer was considered authorized. 

Considering I have banked with them for years and this is my XXXX  fraud/scam report. I expected more honesty and I am requesting a fair review, the receiving bank can flag or freeze the scammers account, take all steps available to attempt recovery of my funds. In a working system as well, they should protect consumers, I shouldnt lose {$4500.00} with no much effort from them, I just deserve a proper review, the whole situation has left me completely overwhelmed, I know its XXXX transfer, but can my bank at least try too in helping me get justice,

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 2025-12-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: FL

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
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am submitting this complaint because several negative accounts, including charge-offs, are being reported inaccurately on my credit report. I have repeatedly requested proper validation, documentation, and corrections from the furnisher, but they have failed to provide legally required information under the Fair Credit Reporting Act ( FCRA ). 
These accounts are being reported with inconsistent dates, incomplete validation, and errors that violate FCRA 602, 609, and 623. I was never properly notified, the creditor can not verify the accuracy of the debt, and some information appears to be outdated, unverifiable, or reported incorrectly to the credit bureaus. 

Because the furnisher has not provided adequate proof of ownership, itemization, original documents, or a correct accounting of the debt, I am requesting that the CFPB intervene to require the company to validate or immediately delete all inaccurate, unverified, or incomplete information being reported about me. I am simply asking that my credit file be corrected according to federal law and that any unverifiable negative accounts or charge-offs be removed

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 2025-12-03 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions CAPITAL ONE BANK for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established and charged off. 
XXXX. Copies of the original signed contract or agreement bearing my signature. 
XXXX. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required XXXX  days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of fraud.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains multiple inaccurate and unverified personal identity entries. These include incorrect name variations, old addresses, outdated employers, and phone numbers that do not belong to me and were not provided by me. 

These errors are causing improper matching of information within my credit file and increasing the risk of mixed or merged files. I submitted formal disputes to the credit bureau, but the inaccurate identity information has not been corrected. 

Under the Fair Credit Reporting Act ( FCRA ) requirements for maximum possible accuracy, the credit bureau must ensure that all identifying information is accurate, complete, and verifiable. 

I am requesting CFPB assistance to require the credit bureau to delete all inaccurate personal identifiers and correct my consumer file. I have attached a detailed identity sweep document outlining the incorrect items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
THIS IS INACCURATE ITEMS. IT STILL SHOWS AS LATE tick box

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I made a {$910.00} payment on my CITI card ; a hold was placed and I called to complain. Once they VERIFIED my payment was fine. All of my Citi cards available credit was lowered. I have Never missed a payment, and routinely pay off the cards.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
Synchrony Bank is proving misleading information about payment in real time. Even after payment is made, account still shown a current balance incorrect, processing payment is delayed which is very confusing and misleading. Some technical glitches resolving in high fee of {$30.00}. Customer service told that everything is managed by computer system but why payments are delayed and not reflected in real time. It seems like system designed to collect fees with possible opportunity.

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 2025-12-03 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: Global Lending Services LLC
State: MI

Complaint narrative:
I am filing a complaint about unauthorized hard inquiries by Global Lending Services LLC.

Global Lending Services is reporting hard inquiries on my credit reports on the following dates : XXXX  Inquiry dated XX/XX/year> XXXX  Inquiry dated XX/XX/year> I did not apply for financing with Global Lending Services around that time and never authorized a credit pull with this company. I asked the company to provide a copy of any credit application or authorization with my signature, but they have not provided documentation. The inquiries remain on my reports and are affecting my credit. 

Under the FCRA, a hard inquiry requires a permissible purpose and my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
In accordance with the fair credit reporting act the following accounts : - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX Account No. XXXX ( Unverified Account ) - XXXX XXXX XXXX  XXXX Account No. XXXX ( Unverified Account ) These accounts were not authorized by me and were opened using my personal information without my knowledge or consent. This constitutes a violation of my federal rights under the Fair Credit Reporting Act ( FCRA ) and a defamation of character in my credit report.

Under 15 U.S.C. 1681, Section 602 ( a ), I have a right to privacy, and the law explicitly recognizes the need to protect consumers from the dissemination of inaccurate or unauthorized personal credit information.

Furthermore, 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) clearly states that a consumer reporting agency may not furnish a consumer report to a third party without the consumers written instructions. I have never provided such written authorization for the opening or furnishing of these accounts. Therefore, their presence on my report is unauthorized, unlawful, and damaging.

You are now on notice that these entries are not only inaccurate and unverifiable, but also illegally placed and defamatory. I demand that they be removed immediately to prevent further harm.

Company response to consumer: Closed with non-monetary relief