vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am writing to dispute several negative items on my Equifax credit report dated XX/XX/year>. Upon review, I have identified the following items that I believe to be inaccurate and require correction in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXXXXXX XXXX XXXX - Multiple Past Due Accounts : These accounts, ranging from {$3000.00} to {$23000.00}, are reported as past due. I dispute the accuracy of these amounts and request that you verify the validity of this information or correct the report if necessary. 
XXXX XXXX XXXX XXXX  - Account Closed with Balance of {$680.00} : This account, closed on XX/XX/year>, shows a balance of {$680.00}. Please verify if this account was correctly reported as closed and if the balance is accurate. If there is an error, I request that it be corrected. 
XXXX XXXX XXXX XXXX- Closed Account with {$12000.00} Balance : The account is listed as closed with a balance of {$12000.00}. Please confirm the status of this account and correct any discrepancies in the report. 
XXXX. XXXX XXXX XXXX - Multiple Closed Accounts with {$0.00} Balance : Accounts with XXXX XXXX XXXX are reported as closed with a balance of {$0.00}. Please verify this information for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am disputing this late entry, as it does not reflect my true payment history. Please correct it.

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 2025-11-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-03 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: AZ

Complaint narrative:
Subject : Formal Complaint Incorrect Credit Reporting by XXXX XXXX XXXX ( Violation of FCRA ) Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX regarding inaccurate credit reporting related to my Home Equity Line of Credit ( HELOC ) mortgage account that was transferred from XXXX to XXXX. 

Details : For XXXX consecutive months, while serviced by XXXX, my HELOC was accurately reported to the credit bureaus with an Account Type of Mortgage. Upon transfer of servicing to XXXX XXXX XXXX, the reporting was changed to Account Type : CL ( Credit Line ), which is factually and legally inaccurate. 

This incorrect reporting has caused a XXXX drop in my XXXX score and has led to denials of credit, including recent applications. 

I have contacted XXXX XXXX XXXX multiple times to request correction of this reporting error, but they have failed or refused to make the correction or provide documentation to justify the change. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information.

15 U.S.C. 1681s-2 ( b ) Duty to conduct an investigation upon notice of dispute. 

Timeline : Prior to Transfer ( through XXXX ) : Account reported accurately as a mortgage for 23 months. 

After Transfer to XXXX ( recent months ) : Account began reporting incorrectly as CL ( credit line ). 

Recent : FICO score dropped approximately XXXX points ; denials of credit followed. 

Attempts to Resolve : Multiple contacts to XXXX requesting correction ; no action taken.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Formal Complaint Incorrect Credit Reporting by XXXX XXXX XXXX ( Violation of FCRA ) Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX regarding inaccurate credit reporting related to my Home Equity Line of Credit ( HELOC ) mortgage account that was transferred from XXXX to XXXX. 

Details : For XXXX consecutive months, while serviced by XXXX, my HELOC was accurately reported to the credit bureaus with an Account Type of Mortgage. Upon transfer of servicing to XXXX XXXX XXXX, the reporting was changed to Account Type : CL ( Credit Line ), which is factually and legally inaccurate. 

This incorrect reporting has caused a XXXX drop in my FICO score and has led to denials of credit, including recent applications. 

I have contacted XXXX XXXX XXXX multiple times to request correction of this reporting error, but they have failed or refused to make the correction or provide documentation to justify the change. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information.

15 U.S.C. 1681s-2 ( b ) Duty to conduct an investigation upon notice of dispute.

Timeline : Prior to Transfer ( through XXXX ) : Account reported accurately as a mortgage for 23 months. 

After Transfer to XXXX ( recent months ) : Account began reporting incorrectly as CL ( credit line ). 

Recent : FICO score dropped approximately XXXX points ; denials of credit followed. 

Attempts to Resolve : Multiple contacts to XXXX requesting correction ; no action taken.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marcadis Singer PA
State: FL

Complaint narrative:
Upon receiving a debt old letter from the attorney, singer I immediately review documentation and requested debt validation. They sent me a debt validation letter, and some kind of a contract with my signature upon me inspecting that I also sent back another debt validation disputing the amount that is listed on their letter they sent me well they keep sending me back the same letter and it does not explain if one line says I paid XXXX and they gave me XXXX how are they saying that I still owe {$5100.00} so again I sent them a second debt validation letter which was different from the first all of it certified through mail and again they sent me the same document. It doesnt show proof of the total amount that was paid and the amount owed is completely different

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
To : Suncoast Credit Union XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Cease and Desist & Formal Demand for Deletion of Charged-Off Account from Credit Report Account Number : XXXX Reported Balance : {$10000.00} Status : Charged Off / Written Off as of XX/XX/year> Dear Suncoast Credit Union XXXX XXXX am writing to formally dispute the continued reporting of the above-referenced account on my credit report. Your records indicate this account was charged off and written off as of XX/XX/year>. According to your own reporting, there is no longer any collectible balance due or active obligation. 

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information may not report information it knows or has reasonable cause to believe is inaccurate. Reporting a charged-off or written-off debt as currently due or collectible is inaccurate and misleading.

Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), when an account is determined to be incomplete, inaccurate, or unverifiable, the credit reporting agencies are required to delete that information from the consumers file. 

Furthermore, under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding that you cease and desist all collection activity and communications regarding this account, including but not limited to credit reporting, until such time as you can provide full verification of the alleged debt in accordance with federal law. 

Because the account has been charged off and written off, and no active financial obligation exists, the continued furnishing of this information constitutes a violation of federal law. I therefore demand that you immediately : XXXX. Cease all reporting of this account to any credit bureau, including XXXX, XXXX, and XXXX. 
XXXX. Delete this account from all credit reporting databases. 
XXXX. Provide written confirmation of compliance with this request within 30 days, as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies for violations of the FCRA and FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 disputing the following accounts on my Equifax credit report, as they contain inaccuracies or discrepancies. I request that these accounts be investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my report. 

CHARGED OFF : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} INQUIRIES : XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'Dear Executive Customer Relations Team,\n\nI am submitting this formal complaint regarding the repeated mishandling of fraudulent activity on my Bank of America account, the ongoing failure of your customer service line, and the lack of follow-up or resolution despite multiple good-faith attempts to obtain assistance.\n\nOver the past several months, I have experienced repeated instances of fraudulent transactions on my account. Each time I report the issue, Bank of America reimburses the stolen funds, only for similar charges to reappear within one to two days. This ongoing pattern strongly suggests that my account remains compromised and that current security measures are insufficient to protect my money.\n\nEach time I contact your customer service number provided in the mobile app XXXX XXXX), I am placed on hold for approximately 30 minutes and then spend another 30 minutes explaining my case in detail. Without fail, the call disconnects near the one-hour markwithout any callback or attempt by a representative to resume contact. This has occurred repeatedly. Despite providing all necessary information and cooperating fully, my claims have gone unresolved, and I have been forced to start over each time.\n\nAttempts to resolve this issue in person at my local branch have also been unsuccessful, as I am continually directed back to the same phone line that disconnects. Efforts to contact support through the app or website have been equally unproductive, as the secure messaging option is unavailable for fraud cases.\n\nAt this point, I believe Bank of Americas lack of follow-up and ongoing service failures represent a serious breach of responsibility. I am therefore requesting immediate escalation and written documentation of the following:\n\t1.\tConfirmation of all active and closed fraud claims on my account, including claim numbers and outcomes.\n\t2.\tDirect contact from a senior fraud specialist or executive relations representative to discuss resolution.\n\t3.\tA detailed explanation of how these repeated breaches occurred and what specific measures will be implemented to prevent further fraud.\n\t4.\tImmediate closure and reissuance of my account and card number, if necessary, to ensure future protection.\n\nPlease treat this as a formal complaint under the Fair Credit Billing Act (FCBA) and Regulation E regarding electronic fund transfers. I request written acknowledgment of this complaint within 15 days and a full resolution within 30 days.\n\nThank you for your attention to this matter. I expect a prompt, written response outlining the actions taken to resolve this issue and protect my account from further unauthorized transactions.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Past few months I have been absolutely battling it out with CITI bank. I can not access my account. After endless calls - it goes nowhere. They tell me my account will be unlocked when I get this letter in the mail. They completely lied to me about how long the letter would take by the way. It was upwards of 3 entire weeks. I called, unlocked my account and now they said IT IS STILL LOCKED and I have to go into a Citi bank in person to unlock it. I work around the country and they do not have locations nationwide. Im so sick of these people I need to access my money and I have done more than enough to prove I AM ME!!! They are holding my money hostage and I will be taking this up a notch to sue them after this. I dont have time to fly back to Illinois to go into a Citi bank XXXX They keep making up all this fake XXXX oh another security this another that blah blah blah I have proved my identity at this point beyond a reasonable doubt and its very sickening what they are doing

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX XXXX  PRODUCT Debt Collection ISSUE Written notification about debt XXXXXXXX XXXX XXXXXXXX contacted XXXX on XX/XX/XXXX saying that I owed them some money. 
Through several letters that I sent to them, I requested validation of the debt which they never provided. 
On their last letter of XX/XX/XXXX, they said they were investigating. However, by searching the internet I found out that XXXXXXXX XXXX XXXXXXXX had filed a law suit against me on XX/XX/XXXX in 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 2025-11-03 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to use a car-rental service called XXXX. Due to an error on their end, the transactions made through the app were never captured by XXXX system, even though my bank withdrew the funds and placed them in a pending status. This occurred XXXX separate times, each for the amount of {$89.00}. 

XXXX has confirmed in writing that no reservations were created for those charges because of a system error. They also verified that they never received any funds from my bank and provided documentation for my bank to resolve the matter. However, my bank, Chime, has refused to acknowledge this information and has continued to hold my funds in a pending state since XX/XX/year>. 

The same situation occurred again on XX/XX/year>, with another bank account I hold at XXXX. In that case, the issue was automatically resolved within XXXX minutes without me having to contact customer service or provide any documentation. This demonstrates that Chimes ongoing refusal to release my funds is both unreasonable and avoidable. 

I have contacted Chime multiple times via chat and phone, but each interaction has led to further frustration. I have repeatedly been transferred between representatives, forced to restate the situation, and have received no resolution. On my most recent call, I spoke with a representative named XXXX and informed him that I would be filing a formal complaint regarding this issue with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am not connected to these accounts ; please remove them within 15 days as required by USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This XXXX  XXXX fraudulently charged my Wells Fargo debit card for almost a month.I have been tossed back and forth between the XXXX companies regarding any action of returning my funds.I even took it upon my self to personally contact the manager at XXXX and he confirmed that my name was not in the intinery. The bank is claiming that no fraud has been happened. 
List of dates and amounts listed below ( XX/XX/XXXX ) XXXX was charged 4 times then on ( XX/XX/XXXX ) another charge of XXXX then another XXXX XXXX on XXXX XXXX then another XXXX on ( XX/XX/XXXX ) then another one ( 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