vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXXXXXX XXXX XXXX  # XXXX, which XXXX XXXXXXXX XXXX XXXX confirmed would be removed but remains on my report ; It is identity theft-related and should have been blocked under 1681c-2 of the FCRA. XXXX refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. 
These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The inaccurate account is still present on my credit report and have not been deleted. For this reason, I am requesting a thorough review of the documents Ive provided so I can finally put this problem behind me.

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 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I receive an email notification from Chime that my account was closed and they will mail me my check of my balance of XXXX within 30 business days. I called to dispute I need my money and to ask why it was closed. They re open my account and now the money was transferred out and they are denying my dispute after I uploaded proof and they are not putting my money back or refunding me my money. This happens XX/XX/25 @ XXXX. They denied me today and I appeal the dispute. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, I transferred {$12000.00} from my Synchrony bank account to XXXX checking account. I received the confirmation email on XX/XX/year> from the sender ( Synchrony ) that the funds have been credited to the requested destination account and deducted from the account you requested the funds to be transferred out of. However the receiving bank ( XXXX ) does not see such transaction, not even as pending. I requested the trace number from Synchrony, which XXXX does not see in their system. I escalated the issue to the wire transfer team, confirmed the checking account and routing numbers multiple times with both parties, made three-way phone call between Synchrony and XXXX supervisors XXXX and both banks are faulting each other. Both parties are refusing my request to file a claim and open an official wire investigation. My {$12000.00} is lost in transaction and seeking urgent help to resolve this matter.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX XXXX has willfully

violated federal law by reporting inaccurate, incomplete, and unverifiable information on my credit file. Under 15 U.S.C. 1681i and 1681s-2, I am entitled to accurate reporting and reasonable reinvestigation of disputed accounts. Despite my formal debt validation requests, they have failed to provide proper documentation, including an original wet-ink signed contract, proving the validity of this alleged debt. The continued reporting constitutes fraudulent and misleading activity under FCRA and FDCPA 1692e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX XXXX has willfully violated federal law by reporting inaccurate, incomplete, and unverifiable information on my credit file. Under 15 U.S.C. 1681i and 1681s-2, I am entitled to accurate reporting and reasonable reinvestigation of disputed accounts.

Despite my formal debt validation requests, they have failed to provide proper documentation, including an original wet-ink signed contract, proving the validity of this alleged debt. The continued reporting constitutes fraudulent and misleading activity under FCRA and FDCPA 1692e.

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 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
Per 15 usc 1681 you are in violation of my rights to privacy by reporting non sublic personal information without my permission or consent I demand immediate deletion of this data and formally opt of any future reporting of such 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 explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and/or used in my name without my knowledge, authorization, or consent. These accounts include ( but may not be limited to ) a XXXX XXXX  account and an XXXX XXXX account with XXXX XXXX .

I did not open or authorize these accounts, and I have never received any benefit from them. This unauthorized activity has caused serious harm to my credit profile. I am submitting this FTC Identity Theft Report to dispute the accounts with the credit reporting agencies and to request that they be permanently blocked and deleted under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires deletion of identity theft-related items within four ( 4 ) business days of receiving this report and proper documentation.

I am also requesting that the credit bureaus send me a written confirmation once the fraudulent accounts have been 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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XXXX XXXX at XXXX XXXX  I received an email stating my seller was restricted! I reached out to Navy Federal regarding this matter and explained to them what happened and I also have proof where I messaged XXXX XXXX who reported an XXXX dollar payment as fraud who indeed made the payment! The guy I spoke with told me it will more than likely be in my favor after hearing what happened! Well fast forward to today XX/XX/year> I received an email stating my account will be closed due to suspicious fraudulent activity because of the XXXX payment a buyer reported as fraud! Ive explained to them and also told them I had proof but no help at all! Ive had this account for years and never had a fraud issue ever

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 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 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 Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 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 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 Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3500.00}

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX has my last name spelled incorrectly and my Social Security Number recorded with one wrong digit. These clerical errors caused my account ( ending in XXXX, XXXX, XXXX, XXXX ) to be blocked and my high credit limit revoked journey identity, the time of my life, where everything was reported to the FTC and including their own internal processes, IRS and all other regulatory agencies with proven documentation of the identity, theft, and selling of my information from XXXX XXXX and police reports. I provided them with the proof via email was sent directly from them and Ive called over the course of the past five years and nothing has been done. I provided government ID, Social Security card, and proof of address multiple times, but XXXX XXXX has not corrected its records. 

Due to the nature of XXXX XXXX recorded my last name incorrectly and my Social Security Number off by one digit. Despite providing proof ( government-issued ID, Social Security card, proof of address ), XXXX XXXX has failed to correct these errors.

Because of this, my {$30000.00} credit line was revoked, two other cards remain open under the wrong name/SSN, and I have been denied proper billing statements. This caused financial harm, higher out-of-pocket costs, and emotional distress during the time of my daughters XXXX. 

I believe this violates the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA/FCBA ), and Equal Credit Opportunity Act ( ECOA ). I am requesting correction of my records, reinstatement of my account and limit, copies of all billing statements ( up to 7 years ), and compensation for actual and punitive damages due to XXXX XXXX reckless disregard for my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MO

Complaint narrative:
There are errors on my credit report. The account status for XXXX XXXX XXXX is being listed as closed on Experian, open on Equifax, and no information is provided under Transunion at all. The dates of last activity are different as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a {$680.00} collection account that does not belong to me. According to my credit reports, the account was opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. The account is listed as Placed for collection and tied to me individually, but I have never entered into any contract or agreement with this company or any original creditor for this debt. I have disputed this account with the credit bureaus and requested proper validation directly from XXXX XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). I specifically requested a copy of the original signed contract and verification of their authority to collect. To date, no such proof has been provided. By continuing to report and attempt collection without providing validation, XXXX XXXX XXXX XXXX is violating both the FDCPA and the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) : Right to request the source and proof of information. FCRA 611 ( a ) : Right to dispute and have inaccurate or unverifiable accounts removed. FCRA 623 ( a ) ( 1 ) : Furnishers may not report information they know, or should know, is inaccurate. FDCPA 809 ( b ) : Debt collectors must provide validation upon request and cease collection until then. This account is inaccurate, unverified, and damaging to my credit profile. Resolution I am requesting : Immediate removal of this account from all credit bureaus ( TransUnion, XXXX, and XXXX  ). Written confirmation that XXXX XXXX XXXX XXXX will cease all collection and reporting activities related to this account. XXXX that no further attempts will be made to collect on this unverified debt.

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 2025-08-21 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: IL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( s ) are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Late XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Collection

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Subject : Request to Reopen ATM Deposit Dispute {$500.00} Check Donation To Whom It May Concern, I am requesting a formal review and reopening of a dispute involving a {$500.00} donation check issued to XXXX XXXX by XXXX XXXX # XXXX, dated XX/XX/XXXX. 
On XX/XX/XXXX, I attempted to deposit the check via the ATM at BMO Harris Banks XXXX  XXXX location on XXXX XXXX. During the transaction, the ATM malfunctioned as evident by the check tearing while being processed inside of the machine, no funds were dispersed and no receipt was provided - my card was returned and I called the number on the back of the card to report this immediately, ( my peer and board member XXXX XXXX witnessed the incident as well ). 
Troubled by the incident, I returned to the bank the following available work day and reported the malfunction and lack of dispersement to the manager on- site. The reporting process was explained, along with the waiting period, and an internal investigation pursued. After several weeks had passed ; I returned to follow up on my issue and was told the bank records indicated the check was cashed. I asked to see the video or records ( in which I was further informed those items are secured by the XXXX truck drivers/money handlers. The conclusion was a lie, and was inaccurate, as no deposit was credited to my account. I believe ATM surveillance footage and transaction logs will confirm the error. As a long-standing customer of BMO Harris, I am disappointed by the initial determination and request that this case be reopened. 
While I was advised to request a reissued check from XXXX, the issue stems from the ATM malfunctionnot from the grantor. These funds are badly needed for the operation of my business and I should be compensated with interest due to the falsehood of the determination.

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 2025-08-21 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: CA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief