vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am disputing certain information reported on my Experian credit report that I believe is inaccurate or incomplete. The accounts in question are : Charged Off Accounts : XXXX XXXX XXXX, Account XXXX XXXXXXXX, Date : XX/XX/year>, Balance : {$34000.00} Late Payments : XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX  XXXX, Account XXXX XXXXXXXX Request : Please investigate these accounts and remove or correct any information that can not be verified.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Got notification from credit bureau collection account was added to credit report that was improperly reported. Never received any communication regarding account before added.

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 2025-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute regarding inaccurate information on my credit report. I request immediate review, verification, and correction/removal of the following : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXXXX/XX/XXXX XXXX, XXXX * * * *, XX/XX/XXXX, XXXX Please provide verification of these accounts. If you are unable to provide proper documentation, I request these entries be removed from my report. 

Inquiries :XX/XX/XXXXXX/XX/XXXX I request verification of these inquiries and removal of any that can not be validated.

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 2025-11-18 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I am a victim of identity theft and someone created a Chime credit card on XX/XX/XXXX without my knowledge. I requested they close my account immediately and they said I need an FTC report. I gave them the report but they claim they need one specifically for Chime ( I have other credit cards opened without my knowledge ). They are not willing to help. I also contactedXX/XX/XXXX and they can't do anything for me either. I've done some research and other people are saying Chime 's fraud department is notoriously difficult. Additionally, I have a phone number and address I don't recognize on my credit report as a result of this and though I was able to dispute the phone number, I am unable to dispute the address as the Chime account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am submitting this filing to address multiple issues concerning my credit report as reported by the three major credit bureaus. The following accounts are in dispute, and I am requesting an investigation and correction of the reported inaccuracies. 

Charged Off Accounts XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
there are accts that were reinserted on my profile that i disputed before that came back on my credit report that i never got notification that they were going to be reinserted and why. furthermore there a fcra laws that are being broken.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding significant and ongoing issues with my new Citi XX/XX/XXXXXXXX credit card account, which I opened specifically to utilize its advertised benefits, particularly the improved point transfer ratio to XXXX XXXX XXXX. I paid the annual fee immediately upon opening the account but have been unable to access the expected value due to the following two critical issues.

1. Repeated Card Lock and Ongoing Account Review Since opening the card, the account has been repeatedly locked, resulting in three separate instances. Despite numerous calls to customer service, the card currently remains locked as it has been placed " under review '' for nearly a month. This extended inability to use the card effectively nullifies the value of the annual fee I have paid and prevents me from accessing the core benefits of the Citi XXXX XXXX product. I have been given no timeline for resolution and no specific reason for the prolonged review. Customer service agents stated that there's nothing they can do before the completion of the reviews. 


2. Failure to Apply Advertised Point Transfer Ratio A primary feature of the Citi XXXX XXXX card is the improved point transfer ratio to XXXX XXXX XXXX at XXXX Citi ThankYou Points ( TYP ) to XXXX XX/XX/XXXXXXXX ratio ), as directly advertised on the product page. 

On XX/XX/XXXX, I transferred XXXX Citi ThankYou Points that I have accumulated over the years from my Double Cash account. The points were incorrectly transferred at the regular rate of XXXX TYP to XXXX XX/XX/XXXXXXXX ( XXXX ratio ). This mistake resulted in a shortage of XX/XX/XXXXXXXX ( XXXX * XXXX ) that I am entitled to.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [XX/XX/XXXX [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This is a follow-up complaint regarding XX/XX/XXXX TransUnion XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXX/XX/XXXX TransUnion ( XXXX ), XXXX ( XXXX ), and XXXXXX/XX/XXXX TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU :XX/XX/XXXXXX/XX/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 2025-11-18 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: IL

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 2025-11-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-18 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

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 2025-11-18 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: GA

Complaint narrative:
An account has reported on my credit that I am an authorized user on XXXX XXXXXXXX account XXXXXXXX XXXX XXXX XXXX XXXX I have no knowledge of this account nor did I agree to be an authorized user on this account or for any reporting of this account whatsoever, I am not financially responsible for this account and have not consent to anything in relationship to this account I want this account removed from my credit report 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 2025-11-18 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: GA

Complaint narrative:
An account has reported on my credit that I am an authorized user on XXXX  XXXX account XXXXXXXX XXXX XXXX XXXX XXXX. I have no knowledge of this account nor did I agree to be an authorized user on this account or for any reporting of this account whatsoever, I am not financially responsible for this account and have not consent to anything in relationship to this account I want this account removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, I received a XXXX text from XXXX of my close friends, asking me to transfer {$1500.00} to an account on his behalf due to a problem with his bank account. 

Since the text was from a friend who had done several favors for me, I transferred the following amount of money to the relevant account via XXXX : XXXX XXXX : XXXX - {$1000.00} XXXX XXXX : XXXX - {$500.00} However, after completing the money transfers, it came to light that my friend 's phone had been hacked by scammers, and the text asking for money was from the scammers. 

In XXXX minutes after transferring the money, I contacted my bank XXXX Bank of America XXXX and asked them to cancel the transfers and recover the funds. However, I received a letter from the bank on XX/XX/year>, which says, " We've completed our evaluation and are unable to approve your claim. '' I have been working with Bank of America for 13 years, and as an individual, I do not have any tools or power to figure out which accounts belong to scammers. I have been keeping my money in my bank account and making money transfers via my bank account based on my trust in the banking system and the support from my bank to me. Unfortunately, the current situation makes me very vulnerable by putting all the burdens of money transfers on my shoulders. 

As an individual, I have been facing many difficulties when trying to open a bank account, get a phone number, and transfer money. However, the current situation proves that the banking system allows to scammers to act in the way they want. 

If the bank will take no responsibility, how can I keep my money in my bank accounts and transfer money to others? Nobody should create a scamming environment and ask individuals like me to be aware of scammers. It must be the duty and responsibility of the bank to protect from such fraudulent actions. 

Therefore, I complain about Bank of America because of its refusal to take any responsibility regarding my money transfers.

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 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Under the FCRA, credit bureaus are prohibited from reporting negative items such as collections, charge-offs, or delinquent accounts after seven years from the date of first delinquency. Despite this legal requirement, my credit reports from all three credit bureaus continue to display several accounts that have exceeded the seven-year reporting limit. 

I have previously disputed these accounts directly with the credit bureaus, yet they remain on my reports without proper correction or removal. Their failure to delete these obsolete accounts has caused ongoing harm, including damage to my creditworthiness and financial opportunities. 

I am requesting that the Consumer Financial Protection Bureau : Investigate the failure oXXXX XXXX XXXX XXXX XXXX to comply with FCRA 1681c ( a ) concerning obsolete information. 

Require the credit bureaus to delete all accounts on my credit file that are beyond the seven-year reporting period. 

Ensure that the credit bureaus implement corrective measures to prevent continued inaccurate and unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-18 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: NC

Complaint narrative:
Please inspect the provided items ; the inquiries arrived with no warning and may not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts do not involve me ; they must be removed within 15 days as required by USC 1681g.

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