vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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:
This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. ( You are instructed to apply the Compliance Condition CodeCCC-8 CLAIMS INACCURATE INFORMATION ) Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them. 
If you claim to have verified these items, I require : XXXX. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. DELETE : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Chime Financial Inc
State: NY

Complaint narrative:
Chime/ XXXX XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ) This account shows a notation : Consumer Statement : Item in Dispute by Consumer. 
This notation is outdated and misleading, as there is no current unresolved dispute. Please delete this comment from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-09-13 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: ME

Complaint narrative:
I am submitting this complaint because Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ). Despite four rounds of disputes, Equifax continues to report inaccurate, unverifiable, and unauthorized information on my consumer credit report. Their actions demonstrate both negligence and willful noncompliance with FCRA 1681e ( b ), 1681i, and 1681b. 

The items that remain unlawfully reported include : XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$510000.00} Late Payment XXXX XXXX This account is showing late payments that are false and unverifiable. I have requested validation multiple times, but no documentation has been provided. Equifax continues to report this derogatory information without proof, violating FCRA 1681i. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1800.00} Late Payment XXXX XXXX This account is inaccurately reported with late payments. No supporting documentation has been provided. Under FCRA, unverifiable information must be deleted, yet Equifax continues to publish this harmful item. 

XXXX XX/XX/year> Inquiry XXXX XX/XX/year> Inquiry XXXX XX/XX/year> Inquiry XXXX XX/XX/year> Inquiry XXXX XX/XX/year> Inquiry All of these inquiries were placed on my file without my consent or authorization. Under FCRA 1681b, a consumer reporting agency may not report inquiries unless they have a permissible purpose. These companies did not have my consent, and yet Equifax has ignored my prior disputes and continues to report them. 

I have made repeated good-faith attempts to resolve this directly with Equifax. After four rounds of disputes, they have failed to conduct a proper reinvestigation, as required under FCRA 1681i. This has caused ongoing damage to my creditworthiness and financial harm. 

I am requesting that the CFPB intervene to ensure that Equifax : Permanently deletes the inaccurate, unverifiable, and unauthorized items listed above. 

Provides me with a corrected and updated credit report. 

Takes measures to comply fully with the FCRA in the future. 

Equifax has had multiple opportunities to comply with the law but has failed. Their repeated refusal to correct these issues leaves me no choice but to escalate this complaint and request regulatory enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I had a check deposited for {$7400.00} which was deposited and the funds were available. 

On XX/XX/XXXX I had a check deposited for {$6700.00} which was deposited and the funds were available. 

On XX/XX/XXXX I had a check deposited for {$6700.00} which was deposited and the funds were available. 

These funds were available for use until the account was depleted due to business expenses associated with this account. 


On or about XX/XX/year> a client of mine had deposited a check in the amount of XXXX for work performed. 

On XX/XX/XXXX a check in the amount of {$4000.00} was deposited into a secondary account of mine. 

On XX/XX/XXXX a check in the amount of {$2000.00} was also deposited into a different secondary account of mine. 

Both of which were submitted and then held for the chance to clear. XXXX had available balance of {$1500.00} and the second account had the {$2000.00} available upon deposit. Both accounts were owned by myself and were deposited by check number XXXX, XXXX from my Bank of America Business Account. 

On the morning of XX/XX/XXXX an email was sent notifying me that this account was Negative {$5900.00}. 

Bank of America had withdrawn this account to pay a past due debt for a credit card account that was in collections. This credit card account has been closed and was sold to a third party debt collector in which I have no contract with and no debt is owed due to FCRA, FDCA, among other CFR and UCC laws. No validation of debt has ever been submitted, as well as a 1099C for cancellation of debt. 15 USC 1681 a ) b ) c ) e ) Subsection A and B o ) Subsection 1.

Bank of America is in clear violation of 12 CFR 1016.1 Purpose and Scope. Section 1. Financial insuitution to provide notice to customers about its privacy policies and practices. 


The account in which the credit card was opened is subject to Federal Investigation under case XXXX XXXX. This Credit Card was opened under False and Misleading practices along with a third party agency without my knowledge or understanding of such. 

I am demanding Bank of America return funds that were fraudulently withdrawn on above date and any and all other such withdraws without consent by myself. 


Upon calling Bank of America after speaking with XXXX different departments, managers, and higher-ups I was told there was nothing that could be done and was hung up on. I am demanding a copy of such phone conversation, showing unethical conversations, fraud and deceptive information told to consumers, unwillingness to comply with requests of proof and signed contracts stating that deposits can be withdrawn without prior notice.

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 2025-09-14 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: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
In 2017, I purchased a vehicle from XXXX in XXXX GA. The dealership never provided me with the proper paperwork for the sale, including the title and required documents. In addition, the vehicle was faulty and unsafe from the beginning. 

Shortly after the sale, the dealership went out of business, leaving me with no way to obtain the missing paperwork or pursue resolution. I have been unable to get support from the dealership since they are no longer in operation. 

I am filing this complaint to document the issue, as I believe this was an unfair and deceptive business practice. I would like guidance on what steps I can take to resolve the lack of paperwork, confirm my legal ownership of the vehicle, and ensure that dealerships can not take advantage of consumers in this way in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint because Experian has failed to remove fraudulent items from my credit report, despite my providing all required documentation under the Fair Credit Reporting Act ( FCRA ). I filed an identity theft claim with Experian and submitted : A copy of my drivers license : A recent utility bill verifying my address : An official identity theft report. Even after submitting this documentation, Experian continues to report accounts that do not belong to me. These items are the result of identity theft and are causing ongoing harm to my credit. Under the FCRA, specifically Section 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency is required to block identity theftrelated information from a consumers file when provided with proof of identity and an identity theft report. Experians refusal to comply is a direct violation of federal law. I am requesting that the CFPB intervene to ensure Experian immediately : Removes or blocks the fraudulent accounts associated with identity theft from my report. Provides written confirmation once these items have been deleted.

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 2025-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
I do not know where the total of {$3500.00} came from for this collection. I also was never notified that this debt would be sent to collections, nor have any phone calls/notifications been sent to my address in the last XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: PA

Complaint narrative:
I disputed a collection account reported by Equifax for XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ]. Under FCRA 611 ( a ), Equifax is required to conduct a reasonable reinvestigation and provide the method of verification upon request. Despite my dispute, Equifax verified the account without providing documentation, proof of ownership, or a method of verification. This violates my rights under the FCRA. The account remains unverified, inaccurate, and continues to harm my creditworthiness. I request that the CFPB compel Equifax to remove this account from my credit file for failure to comply with FCRA 611 ( a ) and 611 ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These hard Inquiries do not belong to me, have not been authorized by me, and should be removed. These others too. Thank you hard inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been having several issues with Citibank and their handling with fraud that occurred on my account back in XXXX. After several disputes, I finally got them to accept the charges and get my money back. This month however, my account was unexpectedly closed without any notification from Citibank due to fraud. My online banking is completely locked down even though I have both a bank account and credit card attached to the same log-in. When I called, I found out that they found all my bank information online and to prevent possible fraud closed my account. In order to regain access, they said I was required to go in the bank and open a new account and then they would be able to transfer the funds from the old account and close it so my information would no longer be on the web. I followed their instructions and went in today but when the branch was trying to help me, the Citibank system would not let the new account go through due to an identity fail but would not show where in my identification information the issue was occurring. The branch said they could typically override it but it was not giving that option as well. I was informed that the branch manager would be in later and they would bring the issue to him and have him call me with an update. The bank closed without any update from the manager. This is leaving me without any funds. I tried calling the support lines to see if they could advise why the identification is not going through and the only advice they had was that I needed to go through the branch, which requires me to take additional time off work and they already expressed they had no solutions themselves. I asked about getting my account unrestricted in order to pull the cash so I can open at another bank since I am no longer satisfied with Citibank and their lack of response to fraud issues over the past and this issue and they again said this can only be done at the branch. The branch can not release funds if its restricted due to the freeze the bank placed on my account. My funds are essentially being held hostage with no resolution. I am not able to pay any bills or expenses and will now have to lose money due to unpaid wages from having to take time off to get this resolved. This is a very urgent matter that leaves me without funds and Citibank has not taken it seriously at all.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
There was an atm withdrawal that I wasnt apart of A second account was opened thats I didnt open or know anything about, she said none of that money was missing or stolen, as well as telling me I agreed that I did those transactions which I didnt l I am a new customer for PNC banking and my stuff was hacked or frauded within two weeks and now I just cant get my money back this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX filed on XX/XX/2025. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief