vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
b'Dear CFPB please see supporting documentation about transunion violation'

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 2025-12-29 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Inquiries : XXXXXXXX Date : XX/XX/XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  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 explanation
Consumer complaint received 2025-12-29 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:
I have noticed some unauthorized accounts on my report most of them are inquiries and one collection

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2025, I deposited a {$3000.00} check from XXXX XXXX  into my Bank of America account using mobile deposit. I have received multiple checks from this same payer throughout the year, and on a prior occasion Bank of America released funds early on a similar deposit hold. 

This time, Bank of America placed an extended hold on the deposit. Because of this delay, both of my accounts became overdrawn and essential utility bills, including water and electric, are now past due. The negative balances are a direct result of the deposit hold, not new spending. 
Since the deposit was made, I have spent many hours attempting to resolve this by phone and chat. 

My calls were disconnected multiple times. When I finally reached a supervisor, I was repeatedly told that nothing could be done due to policy, despite explaining the hardship and financial harm being caused by the hold and requesting a hardship and exception review and partial release of funds. 

I am requesting immediate partial release of the held funds, reversal of any overdraft fees caused by this delay, and a full review of this deposit hold under hardship and exception guidelines.

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 2025-12-29 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: AL

Complaint narrative:
I am writing to dispute inaccurate information in my credit report, which I believe does not comply with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the accounts I am disputing, with specific issues related to each credit bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX DEPT OF ED, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Late Payments : 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 2025-12-29 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 disputing the following accounts that are reported inaccurately on my Equifax credit report : XXXXXXXX XXXX XXXX Account ending XXXX, opened XX/XX/XXXX, balance {$9400.00} XXXX XXXX  Account ending XXXX, opened XX/XX/XXXX, balance {$9200.00} XXXXXXXX XXXX XXXX  Account ending XXXX, opened XX/XX/XXXX, balance {$6000.00} XXXX XXXX XXXX Account ending XXXX, opened XX/XX/XXXX, balance {$4500.00} Inquiries : No inquiries listed for Equifax for these accounts. 

Positive Accounts : I request verification that the following accounts are accurate and belong to me : 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 Please investigate these disputes and correct any inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I believe these items are being reported inaccurately, and I request that they be investigated and corrected as necessary. Below is the information related to each bureau. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}

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 2025-12-29 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 AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX- Account number : XXXX XXXX XXXX XXXX- Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX- Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXXXXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX- Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX- Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/XXXX called and spoke to military services with Chase for 29 minutes and caller said that the letter I recieved on XX/XX/XXXX is enough proof even though the letter just states the reason as to why Chase is not approving but fails to provide a source that shows they can deny for that reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: VA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) has been reporting the same collection account twice on my credit report, causing ongoing and compounding harm since the account was originally assigned on XX/XX/XXXX. 

Both tradelines list the same original creditor ( XXXX XXXX XXXX ), the same date assigned ( XX/XX/XXXX ), and the same account status ( Paid ). These entries represent a single debt, not XXXX separate obligations. The only difference between the XXXX tradelines is the date reported ( XX/XX/XXXX and XX/XX/XXXX ), which appears to reflect internal re-reporting rather than the existence of multiple accounts. 

Reporting the same collection debt more than once is inaccurate and misleading and violates the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report information accurately, and 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. 

This duplicate reporting has caused continued damage to my credit profile for years by exaggerating the severity of a single paid obligation. In addition, one of the entries is marked dispute not available, which further restricts my ability to correct the inaccurate reporting through normal consumer dispute channels.

Federal regulators and courts have consistently held that duplicate or misleading credit reporting may constitute negligent or willful noncompliance with the FCRA and has been the subject of enforcement actions and consumer litigation. Continued reporting of XXXX collection trade-lines for XXXX paid account exposes consumers to unnecessary harm and is not compliant with federal law. 

I am requesting that XXXX XXXX XXXX immediately delete BOTH collection trade-lines associated with this account due to long-standing inaccurate and duplicative reporting, and provide written confirmation that this account will not be re-reported in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX 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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a XXXX credit Card with wells fargo. The card was closed in XX/XX/XXXX. I gave Wells fargo a call on their XXXX line twice on XX/XX/XXXX - the first call the agent did not know what I was speaking about and kept lying about the card being opened and I can use it, and eventually retracted her statement saying it was closed and has been closed, and was circular with her answers and the 2nd call on the XXXX the agent stated that her department could not help since I need a specialized department to answer any questions which is only open on regular business days. I called on XX/XX/XXXX and spoke to a 'specialized agent ' which told me that she could not give information over the hone and a branch will let me know why the card is closed in person. I asked to confirm with a level 2 manager which the agent did, both confirmed that a branch will be able to let me know in person. I arrived at a branch, and the branch told me that they can not let me know why the card was closed and I will need to wait 7 days for a mailer to let me know. 

No one has been able to give me a reason why the card was cancelled and I am being sent between the branch and the phone service but again no answer. Everyone keeps pointing me to another direction.

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 2025-12-29 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: CA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 am writing to dispute the following information that appears on my credit report. The accounts listed below contain inaccurate or incomplete information, and I request an immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account Information : 1. [ Creditor Name ] Account Number : [ Account Number ] Status : [ Account Status ] Dispute Details : This account has inaccurate details regarding the balance, status, or payment history. The information does not meet FCRA standards for accuracy and completeness.

2. [ Creditor Name ] Account Number : [ Account Number ] Status : [ Account Status ] Dispute Details : The charge-off status or other reporting errors make this account misleading. I request a thorough investigation and timely correction.

Possible FCRA Violations : Inaccurate Reporting : Information on the accounts is being reported inaccurately, which is a violation of the FCRA.

Incomplete Data : Missing or outdated information that violates FCRA requirements.

Data Breach : I am concerned my personal information may have been compromised, leading to these inaccuracies, potentially violating Data Breach protections.

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 2025-12-29 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and incomplete. Below are the details of the accounts in question, which I request be thoroughly investigated and corrected. Please address these disputes separately for each bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$45.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$820.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Balance : {$880.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} ONEMAIN, XXXX, XX/XX/XXXX, Balance : {$4000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$620.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-12-29 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: KY

Complaint narrative:
CFPB COMPLAINT FAILURE TO BLOCK IDENTITY-THEFT INFORMATION ( FCRA ) I am the victim of identity theft. On XX/XX/year>, Experian received my identity-theft block request pursuant to 15 U.S.C. 1681c-2, including a sworn identity-theft affidavit, proof of identity, proof of address, and supporting exhibits. USPS delivery confirmation shows Experian received this package on XX/XX/year>. 

Under 15 U.S.C. 1681c-2 ( a ), Experian was required to block the identity-theft information within four ( 4 ) business days. The statutory deadline was XX/XX/year>. 

Experian failed to block the account within the required timeframe. Instead, Experian attempted to condition compliance on providing a police or FTC report and improperly treated the identity-theft block request as a standard dispute. After missing the statutory deadline, Experian contacted the furnisher and reported the account as Remains/ Verified rather than blocking it. 

This procedure is unlawful where a fraud block is required. Experian was required to block the information first, not conduct a reinvestigation. 

Importantly, both XXXX  and XXXX  have already removed the same XXXXXXXX XXXX XXXXXXXX account as identity theft. Experian is now the only credit reporting agency still reporting this account, rendering my Experian credit report inaccurate and non-compliant with 15 U.S.C. 1681e ( b ).

Experians actions constitute violations of : 15 U.S.C. 1681c-2 ( a ) failure to block identity-theft information within four business days 15 U.S.C. 1681c-2 ( d ) improper handling of identity-theft identifiers 15 U.S.C. 1681i conducting a reinvestigation where a block was required 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681n willful noncompliance after documented notice I am requesting CFPB intervention to require Experian to immediately block and permanently delete the identity-theft account and associated identifiers and provide written confirmation of compliance.

A copy of the notarized identity-theft affidavit is being re-obtained and will be provided upon request.

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 2025-12-29 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: AL

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