vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am filing this complaint because a bankruptcy is being inaccurately reported on my credit file. This public record is unverifiable and should be permanently deleted under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). 

On XX/XX/year>, XX/XX/XXXX, XXXX XX/XX/year>, XX/XX/year>, and XX/XX/year>, I mailed certified dispute and verification request letters to XXXX XXXX XXXX, and LexisNexis, XXXX XXXX, & XXXX XXXX regarding this bankruptcy listing. I included proof of identity and requested proper verification or deletion in accordance with the FCRA. 

As of today, I have not received a valid verification response within the required 30-day period. The credit bureaus and data furnisher ( LexisNexis ) have either failed to respond or failed to provide documented proof from the courts regarding this bankruptcy. 

I have also contacted the U.S. Bankruptcy Court District of Maryland, which confirmed that they do not report information to the credit bureau. This confirms that the information being reported is inaccurate and unverifiable. 

I am requesting that the CFPB investigate this matter and ensure that the credit bureaus and LexisNexis comply with FCRA regulations by deleting this unverifiable bankruptcy record from my credit files. This inaccurate reporting has significantly impacted my ability to obtain housing, credit, and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am disputing the following accounts that are inaccurate or incomplete according to my credit report. I respectfully request a thorough investigation and correction of these items in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/2021 Balance : {$570.00} XXXX Account Number : XXXX Date Open : XX/XX/2021 Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 submitting this dispute statement for my credit report with Experian regarding the following charged-off accounts, inquiries, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$990.00} XXXX XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$990.00} XXXX XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} RXXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} XXXX BANK XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$31000.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4400.00} Inquiries : XXXX XXXX - Date Open : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Open : XX/XX/XXXXXXXX XXXX - Date Open : XX/XX/XXXX XXXX - Date Open : XX/XX/XXXX Late Payment Accounts : XXXX FCU XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Attempts to collect a debt in the amount of {$530.00} that does not belong to me. I do not recognize account. Please remove from report.

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 2025-11-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : 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 XXXXXXXX XXXX * * * * XX/XX/XXXX INQ : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am writing to dispute the following items listed on my credit report. I believe these accounts to be inaccurate or incomplete. I respectfully request that they be verified or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-05 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: DC

Complaint narrative:
I am requesting the immediate removal or correction of the following accounts that have been reported inaccurately or with discrepancies in the balances and dates. 

XXXX, XXXX, XX/XX/XXXX, {$580.00} The reported balance is not accurate. Please review and verify under FCRA guidelines. 

XXXX, XXXX, XX/XX/XXXX, {$970.00} Discrepancies in the balance reported. Please provide verification or delete the entry under FCRA regulations. 

XXXX, XXXX, XX/XX/XXXX, {$450.00} This account has an inaccurate balance, and I request immediate verification under FCRA XXXX. 

XXXX, XXXX, XX/XX/XXXX, {$970.00} The date and balance are in question, and I request that they be corrected or removed under FCRA XXXX. 

XXXX OF XXXX, XXXX, XX/XX/XXXX, {$39.00} This account shows a balance that is inaccurate, and I request correction under FCRA regulations. 

XXXX XXXX, XXXX, XX/XX/XXXX, {$2400.00} There are discrepancies with this accounts balance. Please investigate and correct under FCRA compliance. 

XXXX, XXXX, XX/XX/XXXX, {$3600.00} This account is incorrectly reported and should be reviewed and updated according to FCRA regulations. 

XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} The charge-off for this account is incorrect. Please provide verification or remove it under FCRA 607 ( b ). 

The following inquiries should be removed as they are unauthorized or inaccurate : XXXX, XX/XX/XXXX Unauthorized inquiry. 

XXXX, XX/XX/XXXX Unauthorized inquiry. 

PXXXX XXXX, XX/XX/XXXX This inquiry was not authorized by me. 

Late Payment : XXXX XXXX, XXXX The reported late payment is inaccurate and should be corrected. 

XXXX, XXXX I dispute this late payment reporting. 

XXXX, XXXX The reported late payment is incorrect. 

XXXX XXXX XXXX, XXXX Discrepancy in the reported late payment. 

XXXX XXXX, XXXX The late payment reporting is incorrect. 

XXXX, XXXX Incorrect reporting of late payment.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am reporting Bank of America 's wrongful denial of my fraud claim regarding XXXX unauthorized check transactions totaling {$3300.00}. 

- On XX/XX/year>, I discovered XXXX unauthorized withdrawals from my checking account. The checks were originally issued to my landlord for rent payment but were fraudulently deposited by an unknown third party. 

XXXX Bank of America conducted an investigation and denied my claim on XX/XX/year>, stating I had " authorized '' the transactions. This is incorrect. 

- The check images provided by the bank prove this was fraud : XXXX. The checks were made payable to " XXXX, '' an informal name for my landlord. 
XXXX. The endorsement signatures on the back are forged and do not match the legitimate payee. 

- * * A bank employee suggested that the checks were likely deposited through a remote channel ( like mobile or ATM deposit ), but the bank has not provided me with official confirmation on how the fraud was technically executed. * * - The bank reversed the temporary credit of {$3300.00} on XX/XX/year>, which was 10 days earlier than their promised date of XX/XX/year>. 

I have repeatedly tried to resolve this with Bank of America, but they refuse to acknowledge the forged endorsements. I request that the CFPB help me get my money back and hold the bank accountable for its negligence.

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 2025-11-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX * XXXX XXXX Card Services * XXXX XXXX XXXXXXXX Bank * XXXX Select Portfolio * XXXX XXXX * XXXX XXXX * XXXX 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 15 USC 1681s-2 they are supposed 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. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX BANK XXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
XXXXILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I dispute the following accounts listed under Experian. I believe these accounts contain inaccuracies that need to be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$25000.00} FLAGSHIP CRD, XXXX, XX/XX/XXXX, {$40000.00XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : 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 XXXXICE, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
On XX/XX/year>, XXXX fraudulent withdrawals were made by Current XXXX XXXX XXXX XXXX known as, XXXX XXXX XXXX XXXX 
Total of the withdrawals were {$2500.00}. 
Upon seeing the transactions, I called and spoke to my XXXX XXXX XXXX University XXXX MXXXX  XXXX XXXX XXXX They sent a request to Current Bank to return the withdrawals but were never given a reply and did not reverse the fraudulent withdrawals of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am a consumer working on fixing my credit, and I am disputing the following items reported under my Experian credit report. These disputes are based on the accuracy and completeness of the information provided by the reporting agencies : XXXX OFF : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$560.00} IXXXX : XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Open : XX/XX/XXXX LATE PAYMENTS : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

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 XXXX 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 2025-11-05 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: PA

Complaint narrative:
I am filing this complaint because Equifax is reporting several inaccurate and unverifiable accounts, as well as other incorrect personal information. Despite my prior attempts to resolve these issues directly with Equifax and the furnishers, the information remains inaccurate and is negatively affecting my credit profile. 

Accounts Reported as Charged Off ( Disputed ) XXXX XXXXcct # XXXX Reported XX/XX/XXXX {$1500.00} XXXX Acct # XXXX Reported XX/XX/XXXX {$620.00} XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$0.00} XXXX PREMIER Acct # XXXX Reported XX/XX/XXXX {$1700.00} FST PREMIER Acct # XXXX Reported XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$530.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$2000.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$390.00} XXXX XXXX XXXX Acct # XXXX Reported XX/XX/XXXX {$700.00} These accounts are either outdated, unverifiable, or inaccurately reported. I am requesting that Equifax conduct a proper reinvestigation under FCRA 611, provide verification of each account, or delete any item that can not be verified with the original creditor. 

Late Payment Entries ( Disputed ) XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX

Company response to consumer: Closed with non-monetary relief