vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies, obsolete information, and unverifiable accounts appearing on my Equifax, Experian, and TransUnion credit reports. Several charge-offs, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), and * XXXX XXXX XXXXXXXX ( {$9000.00} ), are reported with inconsistent dates, missing or inaccurate Dates of First Delinquency ( DOFD ), and balances that do not match my records, potentially violating FCRA 605 ( a ), 605 ( c ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). A collection account from XXXX XXXX XXXX XXXX * ( {$6700.00} ) * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$92.00} ) appears without proper debt validation, raising concerns under FDCPA 807, 808, and 809, while multiple inquiriesincluding 800 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX duplicate ), and XXXXXXXX XXXX XXXXXX/XX/XXXX are inaccurate, unauthorized, or duplicated. These errors misrepresent my creditworthiness, affect my financial opportunities, and constitute a pattern of reporting failures across all three bureaus. I have disputed these items directly with the bureaus under FCRA 611 but have not received full verification or correction.

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 2025-11-24 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: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies, obsolete information, and unverifiable accounts appearing on my Equifax, Experian, and TransUnion credit reports. Several charge-offs, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$0.00} ), and * XXXX XXXX XXXXXXXX ( {$9000.00} ), are reported with inconsistent dates, missing or inaccurate Dates of First Delinquency ( DOFD ), and balances that do not match my records, potentially violating FCRA 605 ( a ), 605 ( c ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). A collection account from XXXX XXXX XXXX XXXX * ( {$6700.00} ) * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$92.00} ) appears without proper debt validation, raising concerns under FDCPA 807, 808, and 809, while multiple inquiriesincluding 800 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX duplicate ), and XXXXXXXX XXXX XXXXXX/XX/XXXX are inaccurate, unauthorized, or duplicated. These errors misrepresent my creditworthiness, affect my financial opportunities, and constitute a pattern of reporting failures across all three bureaus. I have disputed these items directly with the bureaus under FCRA 611 but have not received full verification or correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$440.00} late 30 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Late 60 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} late 30 days XXXX XXXX, late 60 days XXXX XXXX  days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Late 90 Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3900.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$3900.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
2. Violation of the XXXX Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
5. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3900.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$3900.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
2. Violation of the XXXX Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
5. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} COXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$93.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
A CHARGE-OFF DEBT FOR XXXX XXXX XXXX HAS BEEN FILED AND IS NOW TAXABLE INCOME AND SHOULD NOT BE REPORTED TO MY CONSUMER PROFILE BUT IS BEING REPORTED TO MY CREDIT PROFILE. THE DATES OF THE LAST REPORTED ACTIVITY IS DIFFERENT ACROSS ALL 3 CRAs. 

INACCURATE INFORMATION IS BEING REPORTED TO MY CREDIT PROFILE VIOLATING MY CONSUMER 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 2025-11-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> we Did an in person money wire to purchase a class B RV for XXXX. We went into a Chase banks and completed the wire transfer. The seller thought it was good due to the bank completing the process. We had the vehicle a bill of sale and the seller in person. The XXXX department called me 3 times with the same questions and would not answer any questions I had. XXXX hours later the wire still had not gone through. We called to see what was wrong or when to exit to go through but chase would not answer any questions other than the refused to participate in the wire. No other explanation. It put us in the position that the seller thought we stole the vehicle. Chase also would not let us talk to the back office people that were making the decisions. So we could prove it wasnt fraud or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Subject : Blocked Access to Investment Account Due to Technical Failure in Robinhood Description My name is XXXX XXXX XXXX XXXX. I am filing this complaint because the Robinhood application has prevented me from accessing my account and investments for over three weeks. 
The identity verification process freezes on a loading screen every time I attempt it, leaving me unable to access my funds. I have contacted Robinhood Support several times, but I only receive repetitive instructions that I have already followed. They have not provided any real solution or any method to manually verify or restore access.

I am requesting that the CFPB investigate whether Robinhood is providing adequate technical support and access to consumer funds, as required under applicable consumer protection regulations. 
XXXX XXXX : Name : XXXX XXXX XXXX XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/2025 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX To : Consumer Financial Protection Bureau ( CFPB ) RE : Formal Complaint Defamatory / Fraudulent Credit Reporting I, XXXX XXXX, am filing this formal complaint against credit reporting agencies and the data furnisher ( s ) for knowingly reporting defamatory, inaccurate, and fraudulent information on my consumer credit file.

I was a victim of identity theft, and several accounts appearing on my credit report do not belong to me, were opened without my authorization, or contain incorrect derogatory information that is damaging my credit profile.

I am requesting immediate investigation and enforcement actions under : FCRA 602 Protection against inaccurate and unfair credit reporting FCRA 605B Identity theft block FCRA 611 Reinsertion prohibitions FCRA 623 Furnisher liability for inaccurate reporting I demand that the credit bureaus remove and block all fraudulent or defamatory accounts, including any account that can not be verified as belonging to me.

I am submitting this complaint because my disputes have not been properly addressed by the credit bureaus, and I am seeking CFPB intervention to ensure compliance with federal law.

Please require the involved agencies and furnishers to : 1. Provide documented proof and original application with signature 2. Provide IP address, device ID, and location used to create the account 3. Block all unverifiable and fraudulent items under 605B 4. Provide written results to my address listed above Listed all account 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX / XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX  Negative Payment History Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
URGENT INTERVENTION REQUIRED XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Instruction Date : XX/XX/year> XXXX UTC Amount : USD XXXX XXXX XXXX  : Standard Chartered Bank New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settlements From : Account holder related to the above instruction. 

Subject : Immediate Administrative Action Required SWIFT Payment Held in Pre-Accounting Retention Dear all, I am writing to request immediate intervention regarding the international wire transfer referenced above. 

After performing a direct SWIFT gpi tracking through the XXXX XXXX portal, the current status of the payment is unequivocal : Instructed Amount : XXXX Value Date : Status : Payment in progress Last Update : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank New York ( XXXX ) Current Situation : The payment remains in pre-accounting retention, unvalidated and without any accounting entry created. 

XXXX XXXX : Only received the XXXX notification, not the funds. 

This confirms that the instruction was not accepted, not processed, and has remained static for more than XXXX days without any movement. 

Immediate Cause Identified A technical review of the XXXX indicates that the correspondent bank placed the payment on hold due to a defective Field 50 ( Ordering Customer ), preventing validation and accounting.

Required Action I formally request that one of the following actions be taken without delay : XXXX. Correct Re-Issuance of the XXXX XXXX ( XXXX ) With proper XXXX XXXX information and full operational validation. 

or 2. Immediate Issuance of an XXXX ( Request for Cancellation / Reversal ) To order the administrative return of the funds to the origin, given that the instruction has not been processed and remains without accounting effect. 

Documentation Attached I am attaching the complete dossier, including : All previous formal letters sent to Holistic, Full SWIFT gpi tracking evidence ( XXXX ), Screenshots, records, and detailed status logs, Proof of the defective Field 50, Copies of instructions, timestamps, and operational discrepancies, Documentation prepared for XXXX XXXX. 

This material fully substantiates the urgency of the request and confirms that the delay is due solely to an operational error outside the clients control. 

Request for Receipt Confirmation Please provide : Formal acknowledgment of receipt, Identification of the responsible operations/compliance officer, Immediate action to be executed ( re-issuance or XXXX ). 

Thank you in advance for your prompt attention. 
I remain at your disposal for any additional information required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I applied for a business loan for an investment property in my business name. I had to personally guarantee However, this account is being reported on my personal credit when I was told multiple times, that it would not show up on my personal credit.

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 2025-11-24 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: GA

Complaint narrative:
I am disputing multiple inaccuracies on my credit report related to my personal information, accounts, and inquiries. My address is incorrectly listed as XXXX XXXX XXXX, XXXX, PA XXXX, which is not accurate. Additionally, multiple XXXX  XXXX XXXX accounts ending in XXXX are reported as charge-offs with balances of {$3100.00}, {$2000.00}, and {$2000.00}, with dates that do not reflect my records. These balances are incorrect, and the accounts are inaccurately reported as delinquent. 

Furthermore, numerous inquiries listed on my credit report were not authorized by me and are inaccurate. These include : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XX/XX/year>, XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, and XXXX  XXXX XX/XX/year>. These inquiries are appearing multiple times and do not reflect any transactions or requests I authorized. The inclusion of these unauthorized inquiries is negatively impacting my credit report and overall creditworthiness. 

I request that all inaccurate items, including the incorrect address, erroneous account balances, charge-off status, and unauthorized inquiries, be promptly investigated, verified, and corrected or removed from my credit report.

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