vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLC\XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Equifax,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\n\n1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRIESXXXXUS DEPARTMENT OF EDU XXXX XXXX XXXXUS DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to [Your Address/Email].\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting UPSTA/FINWSE | Account # XXXX * * * * Under the Fair Credit Reporting Act ( FCRA ) I am formally disputing the accuracy and completeness of the above-referenced account appearing on my credit file. The reporting contains multiple inconsistencies and unverifiable data in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Because the information can not be verified as accurate and complete, I am requesting immediate deletion of this account from my credit file under 1681i ( a ) ( 5 ) ( A ).

Conflicting Date of Last Activity Possible Re-Aging TransUnion reports XX/XX/XXXX while Experian reports XX/XX/XXXX. A single account can not have XXXX different last activity dates. Changing this date extends the reporting period unlawfully, known as re-aging. 
FCRA Violations : 1681c ( a ) ( 4 ) Prohibits re-aging or inaccurate date reporting ; 1681e ( b ) Requires credit bureaus to assure maximum possible accuracy ; 1681i ( a ) ( 1 ) ( A ) Requires reinvestigation of disputed information.

Contradictory Ownership and Comments XXXX lists Charged off as bad debt/ Purchased by another lender. XXXX lists Unpaid balance reported as a loss/ Sold to XXXX XXXX XXXX. These are mutually exclusive statements. The debt can not be both purchased by another lender and sold to XXXX XXXX XXXX. Such inconsistencies make the account unverifiable. 
FCRA Violations : 1681e ( b ) Inaccurate or conflicting information ; 1681i ( a ) ( 2 ) ( B ) Requires correction or deletion of disputed information ; 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted. 

XXXX XXXX but Still Reported as Collection/Charge-Off Both reports show a {$0.00} balance but a Collection/Chargeoff status. A charge-off with a XXXX balance is contradictory and misleading to future lenders, implying an ongoing derogatory status where none exists. 
FCRA Violations : 1681e ( b ) Requires complete and accurate reporting ; 1681i ( a ) ( 5 ) ( A ) Mandates deletion of inaccurate or unverifiable data.

Inconsistent Payment History vs. Charge-Off Status TransUnion shows continuous CO notations, while Experian shows OK and XXXX lates even after the alleged charge-off. This conflicting history is internally inconsistent and misrepresents the accounts true status. 
FCRA Violations : 1681e ( b ) Accuracy obligation ; 1681i ( a ) ( 2 ) ( B ) Requires correction or deletion upon reinvestigation.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received wire on XX/XX/XXXX had sending bank XXXX confirm that they sent the funds on the XX/XX/XXXX it is XX/XX/XXXX and they still havent released my funds I was already able to withdraw from account Im not understanding how the account even got like this because boa has had the money the whole time and they give me no date on when I can access the rest of the funds when they call the internal number Ive been running back and forth from being on the phone to the financial center and they asked that I have my bank confirm funds and they still havent released em every time they give me a difff answer Ive missed a property closing all because they havent helped me with my account and I have escalated this isssue to maximum they told me if I get confirming wire info I could withdraw and they still havent released em

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Request for Full Deletion ( Clean Sweep ) of All Accounts Under FCRA 611 Incorrect Name Reporting I am submitting this formal dispute regarding inaccurate and unverifiable information appearing on my credit reports. My correct legal name is XXXX XXXX XXXX, as confirmed by my enclosed government-issued identification and Social Security card . 
However, your records display my name incorrectly as XXXX XXXX and in some instances as XXXX XXXX. These are not my legal names. Therefore, any accounts, inquiries, or public records reported under these variations are inaccurate and unverifiable, and must be removed in their entirety under the Fair Credit Reporting Act ( 15 U.S.C.

1681i ) and FCRA 607 ( b ), which require maximum possible accuracy. 
I hereby demand a complete deletion ( clean sweep ) of all accounts, inquiries, and public records associated with any name other than XXXX XXXX XXXX Pursuant to FCRA 611 ( a ), you are required to reinvestigate and verify every listed account with the original creditors. If verification under my correct legal name can not be provided, each entry must be deleted immediately. 
Accounts to be deleted ( examples include but are not limited to ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX Bank XXXX. ) XXXX XXXX XXXX ( formerly XXXX ) XXXX XXXX XXXX Card Services ( XXXX  ) All other accounts, collections, inquiries, and public records appearing under any incorrect variation of my name. 
This letter serves as a formal notice that all accounts reported under the names XXXX XXXX or XXXX XXXX are not mine and must be removed unless verified under my true legal name, XXXX XXXX XXXX. 
You are required by law to complete this reinvestigation and provide written results within 30 days. Failure to do so will constitute willful noncompliance under FCRA 616.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IA

Complaint narrative:
XXXX XXXX my chime account was hacked and {$1000.00} was taken from my checking account that I did not authorize and I need my money back ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On my recorded calls I told them to fix dispute. They put wrong reason. It was never " product not gotten. '' Always not as described, wrong and they promised refund of one pair and didnt do. That was always reason and capital one 's gross incompetence and negligence always has them writing wrong thing, not speaking or understanding english, leaving out or changing details. i have ALL RECORDED calls. So they closed the dispute in merchant favor based on these errors. I gave XXXX proof of all chat and the details of dispute. THEY NEVER OPENED and it takes hours to get through, they hang up, and you never can get upload link. HUGE WASTE of time. Then they didnt reopen as were told when recalled and pointed all this out, nor give link for uploads ( old and new ). Im attaching all evidenceagain and charging for my time and time to make thme do job right. THIS IS LINK WITH RECOREDED CALL AND IM XXXX THIS TYPING IS HARD. IM ALSO ABOUT XXXX. THE CALL IS OVER XXXX SO USE THIS LINK .XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: UT

Complaint narrative:
I had a Heloc and account with XXXX XXXX XXXX XXXX XXXX XXXX It went derogatory in XXXX. My home was sold on XX/XX/XXXX and debt was paid off. Credit report shows as derogatory BC It was REAGED in XXXX XXXX years after derogatory. Its reported to All agencies and despite multiple disputes it remainss and continues to create adverse events for my overall profile. This entire debt was paid. Nothing is due. XXXX  even provided a note to me that they would remove this form my report in XXXX and they continue to report it or remove a s XXXX it later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I had a Heloc and account with XXXX XXXX XXXX XXXX XXXX XXXX It went derogatory in XXXX. My home was sold on XX/XX/XXXX and debt was paid off. Credit report shows as derogatory BC It was REAGED in XXXX XXXX  years after derogatory. Its reported to All agencies and despite multiple disputes it remainss and continues to create adverse events for my overall profile. This entire debt was paid. Nothing is due. XXXX  even provided a note to me that they would remove this form my report in XXXX and they continue to report it or remove a s XXXX it later

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 2025-10-22 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: GA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May Concern I request this information please. Under the federal law code 15 USC and 1692G 1.Has there been any insurance claim found on this debt?

2. Has this debt been securitized NO RESPONSE TO THESE WHEN I CALL THEY TOLD TO CALL THE ORIGINAL COMPANY THEY TALL ME TO CALL THE NEW MIDLAND IT WAS A VICIOUS. 
PLEASE HELP....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law. 



As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability. 



Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA. 



Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data. 



Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CarMax, Inc.
State: MO

Complaint narrative:
I am formally disputing the accuracy, completeness, and legality of the following account appearing on my consumer credit reports : Account Name : CarMax Original Creditor : CarMax Auto Loan Balance : {$1100.00} Date Opened : XX/XX/year> Status : Charge-off This tradeline is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include, but are not limited to : - FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy.

- FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] : Failure to reinvestigate disputed information within 30 days.

- FCRA 611 ( a ) ( 5 ) ( A ) : Requirement to delete unverifiable information.

- FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( b ) ] : Furnishing data known to be inaccurate.

- FDCPA 807 and 809 [ 15 U.S.C. 1692e, 1692g ] : Misrepresentation and failure to validate alleged debts before reporting.

The reporting on this account is unverifiable, incomplete, and possibly re-aged in violation of FCRA 605 ( a ) [ 15 U.S.C. 1681c ].

If you can not verify this account with certified documentation from the original creditor b
earing my signature, it must be permanently deleted from all credit files under FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with : 1. The results of your reinvestigation.

2. The name, address, and phone number of each furnisher you contacted.

3. Copies of any documentation used to verify the information.

If you continue to report unverifiable or inaccurate information, this will constitute willful noncompliance under FCRA 616617 [ 15 U.S.C. 1681n1681o ], and I will pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a complaint against Goldman Sachs and XXXX for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ).

Both creditors issued me IRS Form 1099-C for cancellation of debt, which means the debts were legally forgiven and reported as income. However, both companies continue to report these same accounts as delinquent, past due, or charged off on my credit reports.

Once a 1099-C is issued, the account balance should be updated to {$0.00} and reported as canceled debt or paid/settled. Reporting it as an active delinquent account after cancellation is misleading, inaccurate, and harms my credit standing.

I have contacted the creditors and the credit bureaus to request correction, but the inaccurate data remains. I am requesting the CFPBs assistance to ensure these accounts are accurately updated or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: MO

Complaint narrative:
I am formally disputing the accuracy, completeness, and legality of the following account appearing on my consumer credit reports : Account Name : Bounce AI Inc Original Creditor : XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/year> Status : Collection This tradeline is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include, but are not limited to : - FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy. 
- FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] : Failure to reinvestigate disputed information within 30 days.

- FCRA 611 ( a ) ( 5 ) ( A ) : Requirement to delete unverifiable information.

- FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( b ) ] : Furnishing data known to be inaccurate.

- FDCPA 807 and 809 [ 15 U.S.C. 1692e, 1692g ] : Misrepresentation and failure to validate alleged debts before reporting. 

The reporting on this account is unverifiable, incomplete, and possibly re-aged in violation of FCRA 605 ( a ) [ 15 U.S.C. 1681c ].

If you can not verify this account with certified documentation from the original creditor bearing my signature, it must be permanently deleted from all credit files under FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with : 1. The results of your reinvestigation.

2. The name, address, and phone number of each furnisher you contacted.

3. Copies of any documentation used to verify the information.

If you continue to report unverifiable or inaccurate information, this will constitute willful noncompliance under FCRA 616617 [ 15 U.S.C. 1681n1681o ], and I will pursue all available legal remedies.

Company response to consumer: Closed with explanation