vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
i recently look at my credit report and found i had fraudulent accounts on my credit report i would like for you to remove these accounts it is hurting my ability to obtain credit because i am a victim of idenity theft so please remove account XXXX XXXX XXXX XXXX XXXX {$14000.00} acoount XXXX please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BK OF AMER a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BK OF AMER XXXX * * * * & BK OF AMER XXXX * * * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year>, I mailed a check via chime to my college XXXX XXXX XXXXXXXX NY, for the amount of XXXX , few days later I summit a stop payment request, their customer service told me they did put in a stop payment in order to this check, and I forgot about it after that. Last week I was sending a check via chime to my mom in XXXX XXXX California, I found this check ( XXXX XXXX  check to XXXX XXXX ) is sent but never cashed or deposited, the check status is expired ( normally the check sent via chime if it's cashed it will show me in the app as cashed or deposited ) but this one shows expired, I called the customer service representative from chime, they look at their end and told me yes the check is indeed having a expired XXXX, they created a case and sent it to their support team, then later on I called them they refused to refund me the money tell me the money is took away from my account ( which the found took away from my account as soon as you requested to send the check via them ) and they can't do nothing about it, even the check have a expired XXXX and should be avoided and my money should be refunded anyhow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am filing a complaint against Sequium Asset Solutions , LLC regarding unfair and unlawful debt collection and credit reporting practices. Sequium Asset Solutions , LLC is attempting to collect on a debt that I dispute and that has not been properly validated. Despite my request for validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), they have failed to provide the required documentation such as the original contract, complete account history, or proof that they have the legal right to collect this debt. In addition, Sequium Asset Solutions , LLC is continuing to report this alleged debt to the credit reporting agencies without proper validation, which is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Reporting inaccurate or unverified information damages my credit and constitutes unlawful collection activity. Their actions are : Failing to provide adequate validation of the alleged debt. Continuing collection activity while the debt is in dispute. Reporting inaccurate or unverifiable information to the credit bureaus. Causing harm to my credit standing and financial well-being. I am requesting that Sequium Asset Solutions , LLC : 1. Provide full validation of the alleged debt, including the original signed agreement, complete account history, and proof of assignment/ownership. 2. Immediately cease reporting unverifiable or inaccurate information to the credit bureaus. 3. Remove any negative credit reporting related to this disputed account until proper validation is provided. The alleged amount owed is {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I had bank fraud on my checking account. I reported it immediately and bank said that they could not stop payment. I had to wait until the charges were posted. The fraud started on XX/XX/XXXX. I notified bank on XX/XX/XXXX. The bank gave me a new debit card. The fraud continued and money was coming out from XXXX and XXXX XXXX. It continued until XX/XX/XXXX. I am out of XXXX in funds. I had clicked on a gambling site on my phone that offered XXXX free play. I won XXXX on the XXXX play. The bank said that since I was on one of the gambling site that I could not get my money back. It was determined that my phone wallet got hacked. I feel like the gambling site hacked my phone. There were different charges from casinos to XXXX XXXX and XXXX. I filed a police report and the officer told me that the bank should know it is fraud. The transactions were coming out of California and I live in Texas. The bank did not notify me of any suspicious activity on my account. I have been at this bank for 15 years. They can look at my spending habits and know it is not me. I am also not able to talk in person to their fraud department. Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DigniFi
State: GA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against CONFIDENT FINANCIAL a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. CONFIDENT FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am writing to formally request a reinvestigation into a bankruptcy entry reported on my credit file by one or more credit reporting agencies. I believe this entry is either inaccurate, incomplete, or misrepresented, and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ).

Basis for Dispute The bankruptcy entry in question may contain one or more of the following issues : Incorrect filing date Wrong bankruptcy chapter ( e.g., XXXX  XXXX vs. XXXX  XXXX ) Reporting of a dismissed bankruptcy as discharged Inclusion of a bankruptcy that does not belong to me ( possible mixed file or identity theft ) Legal Grounds Under the FCRA ( 15 U.S.C. 1681i ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the consumers file 1.

Consumers must be notified of the results of the reinvestigation and provided with a revised credit report if changes are made 1.

Additionally, the Bankruptcy Court does not report information directly to credit bureaus. Instead, credit bureaus obtain bankruptcy data from public records via systems like PACER 2. Therefore, any inaccuracies in how this information is interpreted or reported fall under the responsibility of the credit bureaus and furnishers.

Request I respectfully request the CFPB to : Investigate the accuracy and completeness of the bankruptcy entry on my credit report.

Ensure that the credit reporting agencies comply with the FCRAs reinvestigation and verification requirements.

Require deletion of the bankruptcy entry if it can not be verified or is found to be inaccurate.

Thank you for your attention to this matter and for safeguarding consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX  HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> EXP 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, on my credit report. This information is inaccurate and has negatively impacted my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report 1.

I have already contacted the credit bureau and the furnisher, XXXX XXXX, to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed.

Confirm that no further harm is done to my credit profile due to this inaccurate reporting.

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
To Whom It May Concern, On XX/XX/scrub> 2025, I submitted dispute letters regarding

certain accounts listed on my Experian credit file. I am writing to request full disclosure of the procedures you used to investigate and verify the disputed information. I was also a part of a third-party cyber breach Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. In order for me to confirm compliance with this requirement, I am specifically requesting : A description of the methods, contacts, and sources used to verify each disputed account. Identification of the parties or furnishers you communicated with during the reinvestigation process. Documentation of the steps taken to ensure the information reported is complete, accurate, and current. Please provide this information in writing within the timeframe allowed under the FCRA. This request is made to confirm that my disputes were handled with complete accuracy and in accordance with federal law. Thank you for your prompt attention to 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 2025-09-25 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 follow-up complaint regarding several inaccurate and unverifiable items that remain on my credit report. Despite my previous disputes, these accounts continue to misrepresent my financial history and creditworthiness. 
Specifically, XXXX  ( Acct : XXXX, Balance Owed : {$0.00}, Status : Late/Closed ) is still reported incorrectly as late, and XXXX ( Acct : XXXX XXXX Balance Owed : {$0.00}, Status : Charged Off ) remains unverifiable. Multiple XXXX  XXXX XXXX accounts showing balances of {$28000.00} and {$14000.00} continue to appear as charged off without the required IRS Form 1099-C, making them unverifiable. Similarly, XXXX XXXX ( Acct : XXXX, Balance Owed : {$1000.00}, Status : Charged Off ) and XXXX XXXX ( Acct : XXXX, Balance Owed : {$1200.00}, Status : Collections ) remain on my report despite being inaccurate or unverifiable. 
Under FCRA 611.a 15 U.S.C. 1681i.a, I am entitled to a reasonable reinvestigation of disputed information. FCRA 607.b 15 U.S.C. 1681e.b requires maximum possible accuracy, and FCRA 623.a.2 15 U.S.C. 1681s-2.a.2 obligates furnishers to correct known inaccuracies. FCRA 605B 15 U.S.C. 1681c-2 mandates blocking unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding several inaccurate and unverifiable items that remain on my credit report. Despite my previous disputes, these accounts continue to misrepresent my financial history and creditworthiness. 
Specifically, XXXX  ( Acct : XXXX, Balance Owed : {$0.00}, Status : Late/Closed ) is still reported incorrectly as late, and XXXX ( Acct : XXXX XXXX Balance Owed : {$0.00}, Status : Charged Off ) remains unverifiable. Multiple XXXX  XXXX XXXX accounts showing balances of {$28000.00} and {$14000.00} continue to appear as charged off without the required IRS Form 1099-C, making them unverifiable. Similarly, XXXX XXXX ( Acct : XXXX, Balance Owed : {$1000.00}, Status : Charged Off ) and XXXX XXXX ( Acct : XXXX, Balance Owed : {$1200.00}, Status : Collections ) remain on my report despite being inaccurate or unverifiable. 
Under FCRA 611.a 15 U.S.C. 1681i.a, I am entitled to a reasonable reinvestigation of disputed information. FCRA 607.b 15 U.S.C. 1681e.b requires maximum possible accuracy, and FCRA 623.a.2 15 U.S.C. 1681s-2.a.2 obligates furnishers to correct known inaccuracies. FCRA 605B 15 U.S.C. 1681c-2 mandates blocking unverifiable 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 2025-09-25 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: GA

Complaint narrative:
I am submitting this formal complaint regarding serious and ongoing violations by EQUIFAX in connection with the inaccurate, incomplete, and unlawful reporting of the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as COLLECTION. 

XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Reported as CLOSED/CREDIT CARD with a 30 DAYS LATE in XX/XX/XXXX. 

VIOLATIONS OF FEDERAL LAW Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) 1681e ( b ) : EQUIFAX failed to follow reasonable procedures to assure maximum possible accuracy by reporting a {$0.00} balance account as a continuing collection, and by inaccurately reporting payment history for XXXXXXXX XXXX XXXX. 

1681i ( a ) : EQUIFAX failed to conduct a proper reinvestigation upon disputes, thereby allowing unverifiable and inaccurate information to remain on my credit file.

1681s-2 ( b ) : Furnishers and EQUIFAX failed to ensure completeness and accuracy of information being reported.

1681g & 1681h : Failure to provide full disclosure and proper notice regarding the reinvestigation process and underlying verification materials.

U.S. Federal Law Deceptive Practices and Reporting Reporting a {$0.00} balance debt as an active collection constitutes a false representation of a financial obligation, violating federal prohibitions on deceptive and unfair trade practices.

Misreporting payment history and account status results in an unlawful defamation of credit character, actionable under both federal and state provisions.

VIOLATIONS OF GEORGIA STATE LAW Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) EQUIFAX engaged in unfair and deceptive acts by maintaining false credit data and misrepresenting the true nature of my financial obligations.

Georgia Credit Reporting Statutes EQUIFAX failed in its duty to ensure accurate reporting and to correct or delete information that is found to be unverifiable or inaccurate, in violation of state law governing credit reporting agencies.

Defamation and Negligence under Georgia Law By publishing false and damaging information, EQUIFAX has caused reputational, financial, and economic harm, constituting negligence and defamation under Georgia law.

Company response to consumer: Closed with non-monetary relief