vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
Upon reviewing my credit report, I identified the following errors and violations of FCRA reporting requirements : Conflicting Status Reporting : The account is marked as open while simultaneously reporting 180 days past due for multiple consecutive months ( XX/XX/XXXX XX/XX/XXXX ). Under the Metro 2 reporting standards, a debt can not simultaneously be reported as open and severely delinquent at the same time without charge-off notation.

Improper Delinquency Layering : The history shows overlapping 30, 60, 90, 120, 150, and 180-day late statuses within short timeframes, which misrepresents the accounts true payment status and inflates derogatory reporting in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Inconsistent Balance & Payment Application : Despite payments ( including a {$1100.00} payment on XX/XX/XXXX ), the balance increased from {$8700.00} ( XX/XX/XXXX ) to {$9500.00} ( XX/XX/XXXX ). This discrepancy suggests misapplied payments or inaccurate balance reporting, violating FCRA 1681i ( a ) ( failure to maintain accurate records ). 

Incorrect Status Date : The status was last updated XX/XX/XXXX, yet reporting continues with balances/payments as recent as XX/XX/XXXX. The status date must reflect the latest activity to avoid misleading reporting. 

Incomplete Data : The Highest Balance field is blank, despite an original balance of {$9100.00}. This omission violates FCRA 1681e ( b ) which mandates credit bureaus to maintain complete and accurate information.

LEGAL BASIS FOR DISPUTE FCRA 602 ( 15 U.S.C. 1681 ) : Requires credit reporting agencies to ensure maximum possible accuracy of information. 

FCRA 611 ( 15 U.S.C. 1681i ) : Mandates reinvestigation of disputed information within 30 days.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers of information ( like XXXX XXXX XXXX XXXX from reporting data they know or should know is inaccurate.

Because these reporting errors misrepresent my creditworthiness, they are damaging my credit profile and creating an unfair portrayal of my financial responsibility. 

REQUEST FOR ACTION Under my rights granted by the Fair Credit Reporting Act, I formally request that : The bureaus conduct an immediate reinvestigation of this account. 
XXXX XXXX XXXX validate and correct all reporting errors, including status, balance, delinquency history, and missing fields. 
All inaccurate, unverifiable, or incomplete information be corrected or permanently deleted from my credit file within 30 days, per FCRA 611.

A copy of this letter is being sent to the Consumer Financial Protection Bureau ( CFPB ) for record and oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Ar once, i DEMAND eternally XXXX XXXX XXXX complete transparency, full disclosure, and full financial reimbursement and/or compensation for emotional and statutory damages, in this blatant disregard for my private property being used without my consent ; my credit report is a XXXX XXXX product ... my personal data is being sold as data backed security to lenders, background screening companies, insurance companies, and credit card companies ; i am left out of the profits, contrary to the fair credit reporting act and trust law and equity law, without my consent ; they never asked for permission from me ; So on, i am the beneficiary, authorized representative, asset, and creditor ; these constructive trusts of private equity are created by the trustess id est credit reporting agencies without my consent ; frankly, i rebut eternally XXXX XXXX XXXXXXXX all presumpitons and/or assumptions that i am anything less than the beneficiary, authorized representative, asset and creditor ; i DEMAND eternally XXXX XXXX XXXXXXXX the full accounting of all of the abovelisted financial transactions ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; the dates are from XXXX XXXX XXXX XXXX XXXX XXXX i demand nimbly and eternally full financial reimbursement of all the proceeds in five business days and i am notifying my fiduciary in the IRS to audit these financial transactions if i dont hear from these agents in five buciness days ; thanks... 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 2025-08-17 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the inaccurate and unauthorized reporting of the following accounts. 
These accounts are the direct result of identity theft and have been illegally reinserted on my credit report without proper verification or notice. 
-- - Accounts in Dispute 1. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$250.00} Date of Last Activity : XX/XX/XXXX Status : Derogatory Collection/Charge-off 2. XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$9300.00} -- - Grounds for Dispute 1. Identity Theft No Authorization I did not authorize or open these accounts. I have no contractual or financial relationship with these furnishers. These are fraudulent accounts resulting from identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand immediate blocking and deletion of these accounts.

2. Factual Inaccuracies Dates reported are fabricated and inconsistent. Balances and payment history are misrepresented. Statuses are reported incorrectly, creating a false and damaging picture of my creditworthiness.

3. Violation of FCRA 1681b No Permissible Purpose The furnishers had no lawful basis to access or report my credit information. This constitutes an impermissible use of my consumer file.

4. Metro 2 Compliance Failures These accounts are not reported according to Metro 2 standards. Missing fields, conflicting Date Opened vs. Date of Last Activity, and incorrect status codes all violate reporting guidelines.

5. Previously Deleted & Illegally Reinserted These items were previously disputed and deleted. Reappearance without proper verification or written notice within 5 business days violates FCRA 611 ( a ) ( 5 ) ( B ).

6. Statutory Time-Barred Accounts These accounts are beyond the statutory reporting peri
od under FCRA 605 ( a ) and should not be included on my consumer file. Continued reporting of obsolete accounts is unlawful.

7. Pattern of Abuse Diversified Adjustment and other furnishers associated with these accounts have a history of CFPB enforcement actions. XXXX continued reporting of unverifiable data makes you complicit in ongoing co

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 2025-08-17 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:
For the month of XXXX, I paid my car note in the allotted time that I am supposed to. So it would not be late. It was reported as late on my credit. I called XXXX XXXX XXXX and was told that she doesnt understand why it was reported late for the month of XXXX when it shouldnt be. I called on Thursday XX/XX/XXXX, I still havent received an email like I was told about the information being incorrect and that it will be 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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is for chase bank location XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Theres XXXX atms this one was the XXXX on in the middle second to the right facing the front of the bank I had XXXX dollars to deposit so I went on XX/XX/year> at around XXXX to deposit and the atm spit out XXXX XXXX so I attempted to put them again and it just spit it back out depositing only XXXXXXXX XXXX I hit no receipt and went about my day. Never got anything back no email no funds no nothing been back and forth with the claims team and theyve denied both Both claim numbers are XXXX XXXX I need to see what we can do about this and Ive done all the steps I need my money back as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: TX

Complaint narrative:
Sent multiple emails and certified letter requesting debt valuation, no response from company. tek collect requesting payment of {$1800.00} this debt is not owed. Breach of contract of life time guarantee from XXXX XXXX XXXX  due to their bankruptcy in XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX has confirmed that in XX/XX/XXXX and XX/XX/XXXX, my Bank of America Credit card was overcharged by a margin of XXXX that was overcharged. I have asked them to reverse the XXXX usd but they asked me to contact Bank of America to reverse the overcharged part

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 2025-08-17 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: FL

Complaint narrative:
I am formally disputing the accuracy and verifiability of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of disputed information and delete or correct any item that can not be verified as accurate.

In your previous response, you stated only that this account was verified by XXXXXXXX XXXX XXXX This response fails to meet your obligations under the FCRA because : 1. FCRA 611 ( a ) ( 1 ) ( A ) Requires a reasonable reinvestigation and deletion of any information that can not be verified. Merely relaying that the furnisher has confirmed the account, without reviewing actual supporting documentation, is not a reasonable reinvestigation.

2. FCRA 611 ( a ) ( 2 ) Requires you to forward all relevant information I provided to the furnisher. I have provided this dispute and require you to confirm in writing that such information was transmitted in full.

3. FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) Requires the furnisher ( XXXX XXXX XXXX XXXX  ) to conduct its own investigation, review all relevant information, and provide substantiating records to you. You must then review those records to determine accuracy. 

The courts have made clear that a credit reporting agencys reasonable reinvestigation duty means more than simply accepting the furnishers response without further verification : XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The court held that a CRA may not simply rely on the furnishers verification without conducting its own reasonable investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinforces that CRAs must go beyond a mere confirmation from the furnisher and must review underlying documentation to verify accuracy.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank , N.A . ( CITICARDS CBNA ) is inaccurately reporting a closed account on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 

The Citi Secured Card ( Account ending in XXXX ) was closed, yet as of XX/XX/2025, it continues to report a balance of {$460.00} with a credit limit of {$200.00}. This results in a utilization rate of XXXX %, which is misleading and severely harms my credit profile. 

This is a violation of : FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not provide information to credit bureaus that it knows or should know is inaccurate.

FCRA, 15 U.S.C. 1681s-2 ( b ) : After being notified of a dispute, a furnisher must investigate and correct or delete any inaccurate information. 

By continuing to report a balance on a closed account, Citibank is furnishing false and misleading data. I previously requested correction from the company, but the information has not been updated. 

Requested Resolution : I request that this tradeline be deleted from all credit reports ( XXXX XXXX XXXX XXXX ) to correct the inaccurate reporting and prevent further harm to my credit standing. 

I have attached evidence, including a copy of my XXXX  credit report screenshot showing the account status and balance.

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 2025-08-17 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: CBC Companies, Inc.
State: NV

Complaint narrative:
I am filing this CFPB complaint against the credit reporting agencies XXXX XXXX XXXX XXXX to report multiple fraudulent accounts ( XXXX ) and inquiries appearing on my consumer XXXX credit report. These accounts are the result of identity theft and fraud. The fraudulent accounts include : XXXX - XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$100.00}. 
- A personal credit card opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX, in the amount of {$330.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$840.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$290.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$2700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$720.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$990.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts have resulted in several unauthorized XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that all of the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: CORELOGIC INC
State: NV

Complaint narrative:
I am filing this CFPB complaint against the credit reporting agencies XXXX XXXX XXXX XXXX  to report multiple fraudulent accounts ( XXXX ) and inquiries appearing on my consumer XXXX credit report. These accounts are the result of identity theft and fraud. The fraudulent accounts include : XXXX - XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$100.00}. 
- A personal credit card opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX, in the amount of {$330.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$840.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$290.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$2700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$720.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$990.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 

INQUIRIES XXXX XXXX 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 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  These fraudulent accounts have resulted in several unauthorized XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that all of the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to 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
Consumer complaint received 2025-08-17 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: MicroBilt / PRBC (formerly CL Verify)
State: NV

Complaint narrative:
I am filing this CFPB complaint against the credit reporting agencies XXXX XXXX XXXX XXXX to report multiple fraudulent accounts ( XXXX ) and inquiries appearing on my consumer XXXX credit report. These accounts are the result of identity theft and fraud. The fraudulent accounts include : XXXX - XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$100.00}. 
- A personal credit card opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX, in the amount of {$330.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$0.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$840.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$290.00}. 
- XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$2700.00}. 
- XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$720.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$990.00}. 
- XXXX XXXX XXXX, opened on XX/XX/XXXX, under account number XXXX, in the amount of {$1400.00}. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts have resulted in several unauthorized XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that all of the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to these items cease pursuant to 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
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
My consumer report is not being reported accurately. Ive maintained a positive payment history for my XXXX XXXX credit card account However, there are some inaccuracies on my consumer report. I request a thorough investigation and demand that the payment status be updated to on time payments.

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