vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report, which I believe have been incorrectly reported. I respectfully request that you investigate and correct the following discrepancies. The accounts listed below are in dispute for the reasons outlined under each section. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Incorrect reporting. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Incorrect reporting. 

XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$95.00} Discrepancy : Incorrect reporting. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Discrepancy : Incorrect reporting. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Discrepancy : Incorrect reporting. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Discrepancy : Incorrect reporting. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Discrepancy : Incorrect reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Discrepancy : Incorrect reporting. 

Inquiries XXXX XXXX Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

Late Payments : XXXX Account Number : XXXX Discrepancy : Incorrect late payment reporting. 

XXXX XXXX Account Number : XXXX Discrepancy : Incorrect late payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-12-16 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 reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We received a letter from XXXX Bank on XX/XX/XXXX, stating that our mortgage loan with them has been sold to XXXX XXXX. We contacted XXXX Bank multiple times to get details but were told the loan has been sold and we should deal with XXXX XXXX going forward. Subsequently, we settled the debt and paid it off in full in XXXX and got a XXXX XXXX letter from the court. We confirmed with Amerant multiple times over the phone that there were no more pending loans open. No monies owed to them. This was confirmed multiple times. However, I recently realized that XXXX Bank has been reporting missed payments to Experian since XX/XX/XXXX for an amount of approximately a little over {$11000.00}. We have made countless attempts to get clarity but have not had any luck. We were told to contact a perticular employee to get clarity. I have spoken to him twice and he said he would get back to us. The same thing with my husband, If we were lucky enough to get him on the line, he would say he would get back to us. We would not hear from him. Any call to XXXX Bank results in XXXX getting the runaround. I have also emailed them twice with details and have requested clarity and have not received anything back, nor has anyone called us back to explain. We have not received any mail, email, phone notification that there was a balance due. My XXXX XXXX is now in the XXXX and I have been deemed a 'Slow Payer ' which will stay on my records for 7 years. For an original loan of XXXX, we ended up paying XXXX about XXXX to save our home. Another point to note, this is being reported to only XXXX credit bureau.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX Account Number : To whom It XXXX concern, I have been a customer since XX/XX/XXXX and during that time, I had enjoyed our experience with Best Buy Greatly, I am writing to see if you would be willing to make a goodwill adjustment to your reporting, to the XXXX credit agencies. I have {$220.00} on the above referenced account in XXXX and XX/XX/XXXX. Since that I have been exceptional customer paying each month on time and never in 30 days late. 

Because of my exceptional payment history over the past years, I would like you to consider removing the negative payment from my credit reports. At the time of the late payment, my hours got cut short at work unexpectedly. I say this not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Best Buy is willing to work with us on erasing these late payments from my credit reports. 

I have been a very happy customer, and I hope to continue a long relationship with Best Buy I look forward to your reply. 

Thank you in anticipation, 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 2025-12-16 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: PA

Complaint narrative:
I am very frustrated to find that inaccurate late payments continue to show on my credit report today. Even after refreshing my browser, these late payments were still there, which makes this situation even more stressful. I am requesting an immediate and thorough review of the documents I provided so this matter can be fully corrected without any further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 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: NC

Complaint narrative:
I am submitting a formal dispute regarding the following items on my Equifax credit report. I believe these items to be inaccurate or unverifiable, and I am requesting that Equifax investigate these accounts and inquiries under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts The following charged-off account is being reported on my Equifax credit report : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$180.00} I dispute the accuracy of this account and request that Equifax verify it or remove it from my report if it can not be substantiated. 

Unauthorized / Unverifiable Inquiries The following inquiries are listed on my Equifax credit report, and I do not recall authorizing them. I request verification of permissible purpose for these inquiries, or their removal : XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment Reporting The following account is reporting a late payment, which I dispute : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Several credit inquiry was ran on my account several times and credit line was increased and then decreased right after being approved causing my credit score to drop significantly due to the hard inquiries. I have not applied for any credit for years.

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 2025-12-16 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:
Inquiries at Issue : XXXX  XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX I am filing this complaint against TransUnion for continuing to report multiple hard inquiries on my credit report without providing verification that these inquiries were authorized or permissible under federal law. I have repeatedly disputed these inquiries, yet TransUnion has failed to provide a single piece of documentation demonstrating that I initiated, authorized, or benefited from the credit applications associated with these inquiries. 
Under the Fair Credit Reporting Act, a consumer reporting agency may only report inquiries that result from a legitimate request for credit initiated by the consumer or otherwise authorized by law. TransUnion has not provided any application records, written authorization, signed agreements, or permissible purpose certifications for any of the inquiries listed above. 
Although I have not filed an identity theft affidavit, TransUnions continued reporting of unverified inquiries, combined with TransUnions history of multiple data breaches and regulatory actions, raises serious concerns about the accuracy, integrity, and source of this data. TransUnions failure to validate these inquiries after dispute demonstrates a lack of reasonable procedures to ensure maximum possible accuracy. 
Simply stating that an inquiry belongs to me or leaving it marked as in dispute does not satisfy TransUnions obligation to verify that the inquiry was lawfully obtained and properly reported. Continued reporting of unverifiable inquiries constitutes inaccurate and misleading credit information. 

I requested that TransUnion verify or delete the disputed inquiries, which has not been done, this violates several laws FCRA 1681b Credit reports may only be accessed for a permissible purpose FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation after dispute FCRA 1681i ( a ) ( 5 ) Failure to delete information that can not be verified Without proof of a permissible purpose or consumer authorization, the inquiries can not lawfully remain on my credit report.

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 2025-12-16 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  Date assigned : XX/XX/XXXX XXXX XXXX XXXX Date assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX Date assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Opened date : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX Inquiries on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
unauthorized inquires. This is my second request demanding Transunion to delete these unauthorized inquires.

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 2025-12-16 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.

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

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 the38668re 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 2025-12-16 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: NC

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 the38668re 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my business checking account recently for no reason even though I had a flawless track record with them. 

They sent me a cashiers check for my remaining account balance, {$38000.00}. I went to Bank of America 's branch located at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX to cash the cashiers check. 

They refused to cash the cashiers check because I am no longer a client even though it was Bank of America themselves that decided to close my accounts. They also refused to reissue the cashiers check to my own personal name instead of my business. I explained clearly to Bank of America the business is no longer active and has been dissolved, and I do not have another business checking account at any other bank. 

So now I am completely unable to access my funds. Bank of America has not provided me any reasonable method to honor its cashier 's check.

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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank and XXXX department XXXX committed fraud by using a card in my name that was not activated, by me. Synchrony Bank and XXXX conspired over an entire week to a month to rack up charges in a card I did not activate. After the charges were were racked up, Synchrony Bank and XXXX try to conceal this fraudulent activity by dumping all the charges in a separate account, charging extremely high interest.

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 2025-12-16 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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