vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: NC

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 consen
t.

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 2025-12-16 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: NC

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 consen
t.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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 submitting this complaint as a consumer who is trying to repair my credit and has identified inaccurate and inconsistent information on my TransUnion credit report. 

* * Charged-Off Accounts in Dispute ( TransUnion ) 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 Some of these accounts appear to be reported differently across credit bureaus, which raises concerns about accuracy. I am requesting TransUnion to verify each accounts balance, dates, and ownership. 

* * Inquiries in Dispute ( TransUnion ) : 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  I do not recall authorizing all of these inquiries and request verification of permissible purpose. 

* * Late Payments in Dispute ( TransUnion ) : 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 I am disputing the accuracy of these late payments and request a complete investigation. 

I respectfully request that TransUnion correct or remove any information that can not be verified as accurate.

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 2025-12-16 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a XXXX  law that regulates the collection, dissemination, and use of consumer credit information. XXXX  law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-16 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: FL

Complaint narrative:
} I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Equifax credit report, I identified several accounts, inquiries, and late payments that I believe are being reported inaccurately or without proper verification. 

* * Charged-Off Accounts in Dispute ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy of these charged-off accounts. I am requesting Equifax to verify the balances, dates, ownership, and reporting status of each account. Any account that can not be fully verified should be corrected or removed. 

* * Inquiries in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXX  ( appears XXXX  ) * XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing all of these inquiries and request verification of permissible purpose. 

* * Late Payments in Dispute ( Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy of the late payment reporting and request a full investigation. 

I respectfully request that Equifax investigate these matters and ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
I attempted to contact Crown Asset Management , LLC regarding XXXX debts I settled with them for XXXXXXXX XXXX XXXX and Upstart Consumer Loan. I wanted to request Crown Asset Management to report to the credit bureaus that the XXXX accounts were paid and settled through them. However, Crown Asset Management , LLC never updated the account statuses to either credit bureaus. I attempted to contact Crown Asset Management several times, and received voicemail recordings or representatives that could not resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year>, unauthorized persons were able to access my personal information. I lost a total of {$4000.00} due to the fraud that occurred through multiple transactions. U.S. Bank had a duty to keep my personal information safe but failed to do so. XXXX XXXX  XXXX XXXX XXXX states Provided you let us know right away, you are not liable for unauthorized transactions that are initiated online at usbank.com or through the U.S. Bank XXXX XXXX. ( Attached ). XXXX XXXX  website states : Our industry-leading encryption and security features are always on to protect you and your information. You arent liable for any unauthorized transactions made with the mobile app or online banking ( Attached ). On XX/XX/year>, XXXX day after I reported the fraud, US Bank sent me a communication regarding XXXX of the unauthorized transactions, a transfer between accounts in the amount of {$200.00}. They stated, Our investigation determined you either authorized, initiated or benefitted from this transaction on XX/XX/year> in the amount of {$200.00} ( Attached ). On XX/XX/XXXX, I requested a copy of the documentation used in their investigation ( Attached ). To date, I have not received any documentation. On XX/XX/year>, I received communication regarding another unauthorized transaction with no amount listed. US Bank stated : Our investigation determined you either authorized, initiated or benefitted from this transaction on XX/XX/year>. ( Attached ). On XX/XX/year>, I requested a copy of the documentation used in their investigation ( Attached ). To date, XX/XX/year>, I have not received any documentation. In XXXX, I received a letter from US Bank dated XX/XX/year> ( postmarked XX/XX/year> ). The letter included paperwork to be completed in order to process my claim. ( Attached ). On XX/XX/XXXX, I sent a letter to US Bank requesting refund of funds in accordance with their fraud protection policies. ( Attached ). I have not received a reply. On XX/XX/year>, I visited my branch bank and spoke with XXXX XXXX, XXXX XXXX XXXX. ( Attached ). XXXX XXXX stated that the paperwork was for unauthorized paper debt, which did not apply to my case. He contacted the US Bank XXXX Department and requested that the proper paperwork be sent to me. As of XX/XX/year>, I have not received this paperwork. On XX/XX/year>, I sent a letter to the US Bank XXXX Department confirming that they would send me the proper paperwork and that the XXXX deadline would not run until the paperwork was received. ( Attached ). I have not received a reply. I am concerned since the XXXX deadline has passed. I believe US Bank is ignoring my communications in an effort to delay the investigation past the XXXX deadline so that I will not be able to recover the {$4000.00}.

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 2025-12-16 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: GA

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 : XXXX XXXX XXXX- Date opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Hello theres a Bank of America XXXX account that I wasnt aware reached {$5600.00} or something like that. And they posted on my credit report that the account was permanently closed and nothing further I contacted them and they informed me they will be willing to negotiate if I am having hardship but then they gave me collection information which I reach out to my current living situation since XXXX has been drastically impacted. The company they send me too had a very nasty gentleman who looks like he was trying to rub me to pay for something I am not aware of and threatening me with a judgement and forcing the judgement etc just being completely evil like maybe they make commissions of what they make lying to me like I dont know what is going on. If the account is closed is closed permanently its been nearly XXXX  years since the account has been closed and Bank of America write XXXX  as loss to company but because I want to remove it of my credit I reach out to see my options and unfortunately since is not in their hands and in collections called XXXX and XXXX XXXX, they send me there to speak to a gentleman whom seems to be a fraudster and dont even know what he is doing or saying or trying to XXXX me just switching lies from lies saying different things like negotiating in a fraudulent way like I was born yesterday trying to put me on payment plan. Why do I need to pay a debt I wasnt even aware reached that amount and make a XXXX  monthly payment plan on? He is a scammer and need to be fired. He needs to be fired.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of two dismissed XXXX XXXX bankruptcy filings on my consumer credit reports with Experian, Equifax, and TransUnion. 

The bankruptcies being reported are : XXXX XXXX Bankruptcy Filed XX/XX/year> DISMISSED Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX Bankruptcy Filed XX/XX/year> DISMISSED Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( XXXX ) Neither of these cases resulted in a confirmed plan, a discharge, or any form of bankruptcy relief. Both cases were dismissed, and I did not proceed through bankruptcy in either instance. 

Despite this, the credit reporting agencies continue to list these filings in a manner that is misleading to creditors and does not reflect the true legal outcome of the cases. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting dismissed bankruptcy filings in a way that implies an adjudicated bankruptcy or completed bankruptcy proceeding is inaccurate and misleading.

Additionally, under 15 U.S.C. 1681c ( a ), only accurate public record information may be reported. A dismissed bankruptcy does not adjudicate debts, provide relief, or resolve creditor claims, and therefore should not be reported in a manner that suggests otherwise. 

The continued reporting of multiple dismissed filings without proper clarification creates a false impression of bankruptcy relief and materially harms my credit profile. If the reporting agencies can not produce certified court documentation showing that this information is being reported accurately, completely, and in compliance with the FCRA, the entries must be removed. 

Resolution Requested I am requesting that : Both dismissed XXXX  XXXX bankruptcy entries be deleted from my credit reports with Experian, Equifax, and TransUnion ; and The credit reporting agencies ensure that any public record information reported complies fully with the accuracy and non-misleading requirements of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of two dismissed XXXX XXXX bankruptcy filings on my consumer credit reports with Experian, Equifax, and TransUnion. 

The bankruptcies being reported are : XXXX XXXX Bankruptcy Filed XX/XX/year> DISMISSED Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  XXXX Bankruptcy Filed XX/XX/year> DISMISSED Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( XXXX ) Neither of these cases resulted in a confirmed plan, a discharge, or any form of bankruptcy relief. Both cases were dismissed, and I did not proceed through bankruptcy in either instance. 

Despite this, the credit reporting agencies continue to list these filings in a manner that is misleading to creditors and does not reflect the true legal outcome of the cases. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting dismissed bankruptcy filings in a way that implies an adjudicated bankruptcy or completed bankruptcy proceeding is inaccurate and misleading.

Additionally, under 15 U.S.C. 1681c ( a ), only accurate public record information may be reported. A dismissed bankruptcy does not adjudicate debts, provide relief, or resolve creditor claims, and therefore should not be reported in a manner that suggests otherwise. 

The continued reporting of multiple dismissed filings without proper clarification creates a false impression of bankruptcy relief and materially harms my credit profile. If the reporting agencies can not produce certified court documentation showing that this information is being reported accurately, completely, and in compliance with the FCRA, the entries must be removed. 

Resolution Requested I am requesting that : Both dismissed XXXX  XXXX bankruptcy entries be deleted from my credit reports with Experian, Equifax, and TransUnion ; and The credit reporting agencies ensure that any public record information reported complies fully with the accuracy and non-misleading requirements of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief