vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies in my credit report as listed below. I request that these issues be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute, separated by bureau : Charged-Off Accounts : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: SC

Complaint narrative:
MY INFORMATION WAS IMPACTED DURING THE EQUIFAX DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently, I disputed the late payment information reported on this account because the payment history contains clear inaccuracies. Experian responded stating that the investigation was completed and updated the account comments to : " Account information verified. This update itself confirms a major issue : * How can it be verified as accurate if there are clear errors that they are furnishing. Experian is showing activity as closed While XXXX is reflecting current for these months. I have attached Below is a comparison from another credit bureau showing conflicting information for the same XXXX account ending in XXXX. These discrepancies further confirm that Experian is reporting inaccurate and unverifiable information, and that the reinvestigation was not properly conducted as required by law. FCRA Violations With the FCRA Exerian has violated all codes below and need to be held accountable 15 U.S.C. 1681i requires Experian to conduct a reasonable reinvestigation when a consumer disputes information and to delete or correct any information that is inaccurate, incomplete, or can not be verified. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from providing information they knowor have reasonable cause to believeis inaccurate. 15 U.S.C. 1681 mandates that all consumer reporting be conducted with maximum possible accuracy. Experian has failed to meet these legal requirements because The payment history remains incorrect. The reporting is inconsistent between bureaus. The account shows new late payments despite being closed, which is not accurate or verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is reporting a single XXXX late payment for XX/XX/year> ( XX/XX/year> ) on a closed credit card account on my consumer credit reports with XXXX XXXX and XXXX 

I dispute the accuracy and substantiation of this late-payment notation. The account is closed, and the reporting of a single late payment from over XXXX years ago is materially damaging to my credit profile. I am not disputing the existence of the account itself ; I am disputing the accuracy of the XX/XX/year> delinquency code being furnished. 

I have not been provided with documentation showing that a valid XXXX delinquency occurred in XX/XX/year>, such as the contractual due date for that billing cycle, the applicable grace period, the date the payment was received, or the date the payment was posted. Without those account-level records, the late-payment reporting can not be confirmed as accurate. 

I submitted a written dispute directly to Bank of America requesting a reasonable investigation and documentation supporting the XX/XX/year> late payment. I also requested that, if Bank of America can not substantiate the late-payment designation with complete records, the late payment be removed and the tradeline corrected across all consumer reporting agencies. 

Despite this dispute, the XX/XX/year> XXXX late payment continues to be reported, causing ongoing harm. I am seeking correction of inaccurate credit reporting and confirmation that Bank of America has complied with its obligations as a furnisher to ensure accurate and complete information is reported. 

I am attaching copies of my credit report pages showing the disputed XX/XX/year> late payment and copies of my written dispute to Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law.

Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint regarding unresolved bank errors and inaccurate credit reporting related to my Bank of America personal account. 

On last XXXX Bank of America errors and unauthorized transactions occurred on my account, which resulted in financial loss and damage to my credit report. 

On XX/XX/XXXX I spent over XXXX hours on the phone being transferred between departments. A supervisor named XXXX stated that Bank of America can not provide written confirmation, can not correct credit reporting, and that I must contact Equifax directly. 

Bank of America is the furnisher of this information and is legally responsible for investigating disputes and correcting inaccurate information with credit bureaus. Redirecting responsibility to Equifax without providing documentation prevents me from disputing inaccurate reporting. 

Bank of America refused to provide written documentation, case numbers, or confirmation of corrective action. 

This has caused significant financial harm, emotional distress, and credit damage. 

What resolution are you seeking? 

I am requesting that Bank of America : 1. Conduct a proper investigation of all errors and unauthorized transactions 2. Provide written documentation of findings and corrective actions 3. Correct all inaccurate information reported to XXXX XXXX and XXXX 4. Restore my credit profile impacted by Bank of Americas errors 5. Reimburse any financial losses caused by these errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I authorized Chime Bank to disburse funds from my checking account through the bill pay system via check on XX/XX/year> in the amount of {$2600.00}. The check evidently never went out as the mortgage company confirmed they never received it. I was unaware that the check never arrived until I got a foreclosure letter over two months later. The bank continued to blame the post office as the problem but my bank statement shows differently. I feel that the bank not only owes me an apology but should financially rectify this situation since the check not going out properly started the chain reaction. If the check had gone out as it was supposed the bank I feel should not have been able to place the funds back into my account so quickly. The main reason I know that this is a bank error is because my monthly statement from XXXX reads differently from my other monthly statement showing a clear error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LYON SERVICES CORPORATION
State: TX

Complaint narrative:
In early XX/XX/year>, I applied for a home improvement loan in the approximate amount of {$93000.00} through Lyon Financial. The application was submitted as a joint application and included a U.S. citizen co-applicant.

Lyon Financial issued an adverse action notice citing generic reasons including Residency/Occupancy Guidelines and Lender Guidelines. The notice did not

identify specific or actual reasons for the decision. Lyon Financial later confirmed in writing that the application was not submitted for underwriting review prior to issuing the adverse action notice. I also received multiple, inconsistent explanations for the same denial, including a verbal statement that the decision was based on immigration status and a later written explanation suggesting the issue related to credit score guidelines.

Despite the joint nature of the application, Lyon Financial did not evaluate or address the eligibility of the U.S. citizen co-applicant in the adverse action notice or subsequent communications. 

I submitted a detailed written request seeking clarification regarding the accuracy and completeness of the adverse action notice, whether underwriting review occurred, whether the joint application was properly evaluated, and why contradictory reasons were provided. I requested a written response within ten ( 10 ) business days.

More than eleven ( 11 ) business days have passed without any response from Lyon Financial. The company has not addressed the issues raised, corrected the adverse action notice, or explained the contradictory bases for denial. 

This complaint is submitted due to the issuance of a non-specific and inaccurate adverse action notice, denial without underwriting review, failure to evaluate a joint application, inconsistent explanations for the same credit decision, and failure to respond to a formal written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I keep getting phone calls from XXXX ID shows from Chase wanting to know if I am XXXX XXXX. I am not him and have no idea why they keep calling my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: OR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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