vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I am disputing inaccurate late payment reporting by Citizens One ( Acct # XXXX ). Ive requested verification and documentation for over 60 days, and neither Citizens One nor the credit bureaus have produced proof that any payments were actually late.

Without company bank statements or payment posting proof, this reporting is hearsay and unverifiable, violating FCRA 1681i, 1681s-2 ( b ), 1681e ( b ), and Metro 2 accuracy standards.

If this late payment is not deleted and updated to Paid as agreed within 15 days, I will pursue legal action for willful and negligent noncompliance under 15 U.S.C. 1681n & 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXXXX/XX/year>, {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

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 XXXX USC XXXX. 
Account name : credit card Account # XXXXXXXX XXXX XXXX XXXX this is an unverifiable account # there is also XXXX different open dates for this account XXXX found XXXX discrepancies .Account name : XXXX XXXX XXXX XXXX account # visible for this account different payment status and open date several discrepancies .Account name : XXXX XXXX unverifiable account # wrong payment history also wrong payment status reported several discrepancies. Account name : XXXX XXXX account # XXXX XXXX XXXX XXXX unverifiable # also found several discrepancies. Account name : XXXX account # XXXXXXXX XXXX XXXX XXXX unverifiable # balances, payment type, credit limit different. Account name : XXXX XXXX auto financial : account # XXXXXXXX XXXX XXXX XXXX  unverifiable # close dates different last activity different. Account name : XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX unverifiable # wrong close dates, account status, creditor wrong. Account name : XXXX of Mi XXXX, account # XXXXXXXX XXXX XXXX XXXX unverifiable # no other agencies reporting on this which violated my rights. 

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 XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX USC XXXX 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. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

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 2025-11-04 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 have no relationship with these accounts ; they must be removed within 15 days per USC 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 2025-11-04 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:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-04 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: OK

Complaint narrative:
I am submitting this complaint because Equifax is reporting several accounts that appear to be inaccurate or unverifiable. I have previously attempted to resolve these issues directly with Equifax, but the reporting has not been corrected. These accounts are showing as Charged Off, yet I have not been provided with any supporting documentation or original creditor records that validate the accuracy, ownership, or legitimacy of these accounts.

Some of the accounts are years old and may fall outside the legal reporting period. Others are showing balances or statuses that do not align with my records or correspondence with the original lenders. The lack of verification and inconsistent reporting has caused harm to my creditworthiness and access to fair financial opportunities. 

Accounts in Dispute : XXXX, Account No. XXXX, Date : XX/XX/XXXX, Amount : {$3100.00} XXXX, Account No. XXXX, Date : XX/XX/XXXX, Amount : {$2300.00} XXXX XXXX XXXX, Account No. XXXX, Date : XX/XX/XXXX, Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I Attempted to take XXXX euros out of the ATM on XX/XX/XXXX however the fee was to high so I cancelled the transaction with no money taken out but learned the next hour the bank still took the money out of my account. I went into the bank to complain, and they told me I had to file a complaint with my XXXX bank which was wells fargo. I immediately opened a case with wells fargo and have been trying to get this fixed however they were unable to help. I requested video footage of the transaction, and they failed to provide that to me. I've been fighting with wells fargo about this since XXXX of XXXX with no resolution. I feel like this is a fraudulent transaction and can be easily rectified with video footage. Please help me get the money back that was taken out of my account fraudulently. 

Banks in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Opens tomorrow XXXX XXXX  More hours XXXX XXXX XXXX XXXX XXXX XXXX wells Fargo Case # XXXX sincerly, 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-04 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 filing this complaint regarding inaccurate and inconsistent reporting among the XXXX major credit bureaus. I have identified multiple accounts that are either reporting incorrect balances, dates, or statuses, and I have made prior attempts to have these corrected directly with the credit bureaus and/or furnishers without satisfactory resolution. 
I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) to ensure all accounts are reported accurately and verified according to FCRA XXXX ( a ) and XXXX. 


The following accounts are inaccurately reported or inconsistent with other bureaus : XXXX ( XXXX ) Showing {$0.00} balance while other bureaus list {$2300.00}. Please verify correct amount. 

XXXX XXXX ( XXXX ) and XXXX  XXXX ( XXXX ) Both report identical balances and may be duplicates. 

XXXX  ( XXXX ) Verify accuracy of charge-off balance ( {$13000.00} ). 

XXXX  CREDIT UNION ( XXXX ) Verify that the account is being accurately reported as charged off and not open. 

Equifax Inquiries : ( No listed inquiries. ) Please confirm that no recent unauthorized inquiries have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-04 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax XXXX XXXX. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint on behalf of my XXXX daughter, who is on the XXXX XXXX and is a college student. I am also an authorized user on her BMO Bank account. Her checking account was compromised due to a scam, resulting in misleading transactions and emotional distress. 

Because of her XXXX, my daughter has difficulty recognizing manipulative or deceptive behavior. She was targeted by scammers who gained her trust and obtained her personal banking information. 

While the only helpful step BMO took was locking the account to prevent further damage, the bank provided no real help or guidance in resolving the matter. Throughout this process, BMOs handling of the situation was extremely slow and disorganized. The bank took an unreasonably long time to respond and failed to keep us informed. I had to email over XXXX screenshots of the communication between my daughter and the scammers not once, but twice because the bank either misplaced or failed to properly review the information we had already submitted. 

After weeks of delay, instead of protecting or supporting my daughter as a vulnerable customer and fraud victim, BMO labeled her as high risk and closed all of her accounts, including her checking and savings accounts. 

This was not only unfair but deeply distressing. My daughter was the victim of a scam not at fault and the banks actions caused her significant emotional and financial hardship. She relies on her accounts for school and daily living expenses, and the closure created unnecessary disruption and anxiety. 

Moreover, their decision to penalize and close her accounts afterward appears discriminatory and demonstrates a lack of empathy and accommodation for a customer with a developmental 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 2025-11-04 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: MI

Complaint narrative:
I filed a dispute with Experian, Equifax, and Transunion for XXXX XXXX XXXX XXXX that appear on my credit report. All reporting agencies reported the account as verified. I notified XXXX XXXX XXXX XXXX directly myself after the dispute came back as verified. XXXX XXXX XXXX XXXX launched an investigation on my behalf that it was an unauthorized membership account under my name The fact that the address, date of birth, and social security number did not match what was associated with me shows that these XXXX reporting agencies did not do a thorough investigation. They referred to me as " XXXX ''. I have never served in the XXXX. After the investigation, XXXX XXXX XXXX XXXX deemed it as identity theft and closed all accounts associated with the credit union. I need all information negative information with all these credit bureaus removed. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I filed a dispute with Experian, Equifax, and Transunion for XXXX XXXX XXXX XXXX that appear on my credit report. All reporting agencies reported the account as verified. I notified XXXX XXXX XXXX XXXX directly myself after the dispute came back as verified. XXXX XXXX XXXX XXXX launched an investigation on my behalf that it was an unauthorized membership account under my name The fact that the address, date of birth, and social security number did not match what was associated with me shows that these XXXX reporting agencies did not do a thorough investigation. They referred to me as " XXXX ''. I have never served in the XXXX. After the investigation, XXXX XXXX XXXX XXXX deemed it as identity theft and closed all accounts associated with the credit union. I need all information negative information with all these credit bureaus removed. 
Thank you.

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 2025-11-04 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with explanation