vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
I DO NOT OWE DISCOVER CREDIT CARD ANY MONEY AND MY BALANCE SHOULD BE REPORTED AS XXXX. 

I SPOKE WITH XXXX REPRESENTATIVES FROM DISCOVER WHO STATE MY BALANCE SHOULD REPORT {$1500.00} EVEN THOUGH I DON'T OWE THEM ANY MONEY AND THE ACCOUNT WAS SETTLED WHICH IS INCORRECT. THEIR DISCOVER NUMBERS ARE XXXX AND XXXX. THEY BOTH NEED TRAINING AS THEY ARE MISREPRESENTING INFORMATION TO ME AND THE CREDIT REPORTING AGENCIES THAT ARE AGAINST THEIR INDUSTRY STANDARDS AND METRO 2. 

IF THIS IS NOT TAKEN CARE I WILL FILE A LAWSUIT AGAINST TRANSUNION AND DISCOVER IN A VENUE IN MY COUNTY. 

THE CFPB ALSO NEEDS TO MAKE SURE THIS IS HANDLED CORRECTLY OR I WILL REPORT YOU TOO. 

I AM LEGALLY REQUIRED AN ACCURATE CREDIT REPORT WHICH XXXX AND DISCOVER ARE DENYING ME OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I spoke with bank of America in the past more than year ago about the fact that the bank has to reject any demand for money if the funds are not sufficient. 

Bank of America recently allowed a transaction for XXXX dollars coming from XXXX XXXX when it knows that the funds are not sufficient. 

Bank of America denied in the past same type of request if there is no enough funds from the same company who requested the money. 

Bank of America has violated my consumer 's rights by allowing this overdraft and it knows that I requested in the past that Any request for money must denied if the funds are not sufficient to avoid all problems related to the transaction like recovering the money, overdraft fees and penalties. 

I can not understand how come the bank allowed this amount to be deducted when it refused less than XXXX dollars to be deducted. 

I do not understand why the same transaction was denied many times last XXXX months and this one went through?

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-07 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602, 609, and 611. TransUnion is reporting inaccurate, incomplete, and unverifiable information that fails to meet METRO 2 compliance standards. Under Section 611, unverifiable data must be promptly deleted. Furthermore, TransUnion was involved in a major data breach, making the accuracy of its reported data questionable. I am demanding an immediate investigation and deletion of all unverifiable information within four ( 4 ) days as required by 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 information contained in this entry is incorrect and unfairly misrepresents my payment behavior. Please update my file to reflect the correct data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I was scammed out of a purchase for XXXX on XX/XX/XXXX from a cash app purchase I requested to dispute the transaction and they denied me but I provided all information to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OH

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 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 2025-11-07 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: DC

Complaint narrative:
Subject : Formal Complaint Repeated Re-Reporting of Fraudulent Capital XXXX Account ( Identity Theft Case ) Dear Consumer Finance Division, I am submitting this formal complaint regarding Capital Ones continued reporting of a fraudulent credit card account that was opened in my name as a result of identity theft. Despite multiple disputes and confirmations from the credit bureaus that this account is not mine, XXXX XXXX continues to reinsert the same fraudulent information onto my credit report. 

The account in question has been removed multiple times by Experian after investigation and confirmation that it was associated with identity theft. However, shortly after removal, XXXX XXXX repeatedly re-reports the same account, causing ongoing harm to my credit profile and emotional distress. 

This fraudulent account originated when a relative, XXXX XXXX, who was living with me at the time, stole my identity and opened several accounts in my name without my authorization. I have already filed an identity theft report and provided documentation to both the credit bureaus and XXXX XXXX. 

Despite all supporting evidence, XXXX  XXXX continues to disregard the identity theft documentation and reinsert the account in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I am requesting the following actions : 1. An immediate and permanent removal of the fraudulent XXXX XXXX account from all of my credit reports. 
XXXX. Confirmation that XXXX XXXX will cease any and all future reporting of this fraudulent account. 
XXXX. A written acknowledgment from XXXX XXXX confirming the account has been identified as identity theft and closed accordingly. 
XXXX. A full investigation by the Consumer Financial Protection Bureau into XXXX XXXX  reporting practices regarding this matter. 

Supporting documentation available upon request : FTC Identity Theft Report Police Report Prior correspondence with Experian and XXXX XXXX Copies of prior dispute resolutions confirming the accounts removal Thank you for your attention to this matter. I respectfully request that this issue be reviewed and resolved promptly to prevent further damage to my credit and personal reputation.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BK 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 TransUnion 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-07 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: CA

Complaint narrative:
Take a close look at this entry ; it appears erroneous.

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 2025-11-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the hard inquiries listed on my credit report : 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 XXXXXX/XX/XXXX, as they were made without my consent. Due to the recent shutdown of the Federal Trade Commission ( FTC ), I was unable to file an Identity Theft Report, which has significantly impacted my ability to address unauthorized inquiries in a timely manner. These unauthorized inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which prohibits the reporting of inquiries without a permissible purpose. Furthermore, 15 U.S.C. 1681e ( b ) mandates that all information reported must be accurate, and these inquiries were clearly reported without my authorization. As such, I request the immediate removal of these inquiries from my credit report and expect prompt action to resolve this matter. I am prepared to take further legal action if necessary to ensure compliance with FCRA regulations and protect my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-07 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:
Assess the provided information ; these inquiries arrived unexpectedly and may be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/XXXX I deposited my pay check in the mobile app. They put a hold on my check for XXXX  days with no reason and refused to explain why and refused to release my money.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I am currently traveling abroad and recovering from XXXX, which has left me unable to return to the United States for several weeks. Despite having made XXXX phone calls to your customer service lines, my issue remains unresolved. Today, I called again and was disconnected by the representative without receiving any assistance. 

At this point, I have no access to my account or funds, which has placed me in an extremely vulnerable situation in a foreign country. I urgently need to regain access to my account to cover essential living and medical expenses during my recovery. 

I kindly ask that this issue be escalated immediately and handled as an emergency. Please provide clear instructions on how I can verify my identity and restore access as soon as possible. 

Thank you for your prompt attention and understanding. 

Sincerely, 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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was purchasing something from a second hand buyer and when I sent the money they claimed to have sent it back. I received a false message telling me I would revive the refund in XXXX hours. That never happened and they kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am writing to formally dispute the discover card account appearing on my credit report. This dispute is being submitted under the fair credit reporting act FCRA 15 U.S.C S 1681i Which mandates that all information reported be accurate, complete and verifiable. 
Creditor name ; XXXX card Account number XXXX reported by Transunion, Experian and Equifax

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 2025-11-07 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: Fay Servicing, LLC
State: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by Fay Servicing LLC. The payment was made on time by phone, and I was assured it would be posted. Despite this, Fay Servicing reported it as delinquent, lowering my credit score.

Under the Fair Credit Reporting Act and the Truth in Lending Act, including 15 U.S.C. 1681s-2, 1681s-3, 1681i, 1681b ( Section 604 ( a ) ( 2 ) ), 1637, and 1666b, I am requesting a full reinvestigation and proof of compliance from Fay Servicing LLC.

Documentation proving Fay Servicing complied with 1681s-2 and 1681s-3 when furnishing this data.

Evidence showing compliance with 1681b ( 604 ) ( a ) ( 2 ) regarding permissible reporting and access to my credit information.

Records confirming that under 1666b, my payment was properly credited as of the date it was received and not delayed internally.

Verification that all billing and disclosure requirements under 1637 were properly met before any negative reporting occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief