vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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 writing to formally dispute the inaccuracies on my credit report regarding the following accounts. These disputes pertain to charged-off accounts, which I believe to be incomplete, inaccurate, or improperly reported. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided by credit reporting agencies must be accurate, timely, and complete. 

Charged-Off Accounts : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Dispute Reason : The reporting for this account is incomplete, and I suspect it is inaccurately classified as a charge-off. Please verify the account and ensure it is correctly reported as required under the FCRA. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Dispute Reason : I believe this account is being reported incorrectly, and I request a re-investigation to confirm whether it is in proper charge-off status or if corrections are needed. 

XXXX Account Number : -- XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Dispute Reason : Discrepancies in the balance and reporting status have resulted in inaccurate information being reflected on my credit report. Please investigate for compliance with the FCRA and update accordingly. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Dispute Reason : This accounts payment status and balance appear inaccurate. Under FCRA 607, I request verification to ensure the account is correctly reported. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Dispute Reason : Inconsistent reporting on this account. Please verify and correct any inaccuracies in line with FCRA guidelines. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Dispute Reason : Incorrect charge-off status and reporting. Requesting validation and proper reporting of this account per FCRA regulations.

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

Complaint narrative:
This is a follow-up complaint regarding [ Experian / 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 Sessa v. TransUnion ( 2023 ), Kirtz ( 2024 ), and Norman v. TransUnion ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am disputing two late payments reported by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on my account # XXXX. 
I sent a direct written dispute on XX/XX/XXXX, requesting documentation to verify the accuracy of these late payments. On XX/XX/XXXX, XXXX responded with a generic letter stating that all information reported is valid, but they failed to provide any supporting documents proving that my payments were actually more than XXXX or 60 days late. 

The Account Transaction History they provided only shows basic payment entries and a payoff on XX/XX/XXXX, but it does not identify the exact months reported as late, nor does it include any aging or days-past-due calculations that would justify 30- or 60-day delinquency reporting. 

Additionally, XXXX did not provide any negative information notice to the consumer as required under FCRA 623 ( a ) ( 7 ) when furnishing negative information for the first time. Therefore, their investigation was not meaningful or complete, and the late payment reporting remains unsubstantiated and misleading on my credit reports.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a Chase personal checking account for many years. I was the cosigner for 3 of my daughters who had their own account but under my name. We each had our own checking accounts. On XX/XX/year>, I deposited cash into an atm in the amount of {$3000.00}. I was able to use my atm card and make purchases until XXXX. On the XXXX, I got a text and an email saying that my account had been suspended because of suspicious activity, and to call Chase immediately. I called and they told me that my account would be closed and all of my children 's accounts would be closed as well. They told me that I would receive a letter in the mail stating why my account was closed. In addition, within 1 week we would all be issued a cashier 's check separately for each of our accounts. They could not tell me why my account was closed, nor have they sent any letter stating why. Even worse, is that my money from my account and XXXX of my daughter 's accounts has not been refunded to us yet. It has been almost 1 month with no explanation or reason. So far, only 2 of my daughters have received a cashier 's check back from the money in their account. All 3 of my daughters had to open a new checking account. Chase has told me they are terminating their relationship with me but with no explanation. My account had a credit balance of {$3000.00}. My daughter had a balance of over {$400.00} still not paid to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 non-monetary relief
Consumer complaint received 2025-11-11 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:
This account was charged off on the following date, XX/XX/year>. Since then the account has repeatedly been updated as XXXX XXXX every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX XXXX closed my credit card on XX/XX/year> while I was doing a XXXX XXXX. After I came back from the hospital, I found that my account was closed. So I called AMEX and requested to transfer my hard-earned membership rewards points of XXXX. AMEX refused for no reason. They cleared my membership rewards the next day.

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

Complaint narrative:
I request removal of these accounts within 15 days ; they are not mine per the Fair Credit Reporting Act.

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 2025-11-11 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
1681i.

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

Complaint narrative:
I am submitting this complaint because the information reported by the credit bureaus listed below contains inaccurate, outdated, and unverifiable accounts. I have attempted to dispute these items directly with the credit bureaus, but they have failed to correct or remove the incorrect data. I am requesting a full reinvestigation and deletion of any account that can not be verified according to the Fair Credit Reporting Act ( FCRA ). 


Disputed Accounts Charged Off XXXX XXXX ( XXXXXXXX XXXX ) XXXX XXXX XX/XX/XXXX, {$0.00} balance ( obsolete ). 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, {$12000.00} ( obsolete ; beyond 7 years ). 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, {$3400.00} ( disputed for accuracy and verification ). 

Disputed Late Payments XXXX XXXX XXXX XXXXXXXX Reported late payments disputed as inaccurate ; please verify and correct as necessary.

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 2025-11-11 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: TX

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
I was trying to withdraw money at a chase bank branch ATM. At XXXX XXXX XXXX XXXX in XXXX XXXX Nevada. On XX/XX/year>. 

The amount was for XXXX dollars. The machine showed a decline message and no money was dispensed. My bank account took the XXXX dollars out of my account. I tried contacting my bank to dispute the transaction and the proof that chase provided was completely false. I would like camera footage to show that I never received any money out of the ATM and they will not help or provide that. I feel completely at a loss and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing INNOVIS DATA SOLUTIONS, INC. to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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

Complaint narrative:
I am filing this complaint because [ XXXX XXXX Equifax XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX ( XXXX ), XXXX paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : EQ : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CO

Complaint narrative:
XXXX XXXX at Schools First does not know the law nor does she do her due diligence, research or read prior to sending uncouth responses to XXXX. XXXX XXXX stipulated, without reading the contract signed with SFCU, that the incorrect and fraudulently reported information that was illegally inserted on my credit report this month is correct. XXXX XXXX made this assumption without reading or knowing the law as it relates to FCRA, Bankruptcy Discharges, Legal Contract Terms. XXXX XXXX 's actions are intentional, illegal and inflict harm. NCUA and the SEC are both aware of her actions and conduct. fail to investigate the criminal actions then both are equally responsible for the crimes. I have asked SFCU 41 times to remove the incorrect data, they said they did not with CFPB. XXXX XXXX is opting to bully and mistreat Members as opposed to acting legally, ethically and doing right by them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT GA XXXX - XX/XX/year> VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Georgia XXXX Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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