vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX XXXX XXXX, Balance : {$5300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX  ) Date opened XXXX XXXXXXXX XXXX  Balance {$580.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We sold to a XXXX called XXXX XXXX Tablets for total amount of XXXX. 
We provided them with an invoice and stated on that all the terms and conditions. 
XXXX agreed to the terms and signed the invoice. They provided their credit card so we can charge the invoice value. This happened on XX/XX/year>. But on XX/XX/year> XXXX disputed the charges we had done so we got a chargeback from our XXXX cartd processor. They put the reason for disput that they did not receive the product. We sent to our XXXX the signed invoice that clearly stated that XXXX was not responssible for delivery and that the buyer was supposed to pick up the product. The term also stated that there would be no refund. Our XXXX sent our respone with the documents to American Express stating that the card holder can not dispute as there was no refund. After going back and forth for couple of weeks American Express sided with the card holder and closed the dispute. 
American Express clearly has seen the signed invoice and agreement with our terms by the card holder yet they decided to favour their customer. This is totally unethical And they should not have done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 2025-08-26 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:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
To Whom It May Concern, This is my second written request regarding inaccurate and unverifiable items on my credit file. My initial dispute was improperly verified without providing evidence. Under 15 U.S.C. 1681i ( a ) ( 7 ), I am requesting the Method of Verification for each account you claim has been verified. 
Specifically, you must disclose : The name of the person you verified the account with, The date and method of the verification, And provide me with a copy of all documentation you relied upon. 
The following accounts remain inaccurate, unverifiable, or in violation of XXXX XXXX standards and must be deleted immediately if proper verification can not be produced : Accounts in Dispute : XXXX XXXX XXXX {$620.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX  XXXX XXXX Incorrect late history XXXX XXXX XXXX XXXX but late history reported XXXX  XXXX XXXX XXXX XXXX but derogatory marks remain Nelnet / Dept of XXXX XXXX XXXX XXXX XXXX in Dispute : All unauthorized hard inquiries not tied to active accounts remain disputed. 
Personal Information : Remove all outdated addresses and retain only : XXXX State Hwy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Legal Authority Cited 15 USC 1681i ( a ) ( 7 ) : Requires disclosure of method of verification.

15 USC 1681i ( a ) ( 5 ) : Unverifiable information must be deleted.

15 USC 1681c : Prohibits obsolete/misleading reporting. 
XXXX XXXX XXXX : Require standardized accuracy in reporting. 
DEMAND If you can not provide full documentation proving the validity of these accounts and inquiries, you are required by law to delete them immediately. Failure to comply may result in legal action under FCRA 616-617 for statutory damages, attorneys fees, and punitive damages. 
Please provide written confirmation of deletions immediately. 
Sincerely, 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 2025-08-26 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: TX

Complaint narrative:
To Whom It May Concern, This is my second written request regarding inaccurate and unverifiable items on my credit file. My initial dispute was improperly verified without providing evidence. Under 15 U.S.C. 1681i ( a ) ( 7 ), I am requesting the Method of Verification for each account you claim has been verified. 
Specifically, you must disclose : The name of the person you verified the account with, The date and method of the verification, And provide me with a copy of all documentation you relied upon. 
The following accounts remain inaccurate, unverifiable, or in violation of XXXX XXXX standards and must be deleted immediately if proper verification can not be produced : Accounts in Dispute : XXXX XXXX XXXX {$620.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX  XXXX XXXX Incorrect late history XXXX XXXX XXXX XXXX but late history reported XXXX  XXXX XXXX XXXX XXXX but derogatory marks remain Nelnet / Dept of XXXX XXXX XXXX XXXX XXXX in Dispute : All unauthorized hard inquiries not tied to active accounts remain disputed. 
Personal Information : Remove all outdated addresses and retain only : XXXX State Hwy XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Legal Authority Cited 15 USC 1681i ( a ) ( 7 ) : Requires disclosure of method of verification.

15 USC 1681i ( a ) ( 5 ) : Unverifiable information must be deleted.

15 USC 1681c : Prohibits obsolete/misleading reporting. 
XXXX XXXX XXXX : Require standardized accuracy in reporting. 
DEMAND If you can not provide full documentation proving the validity of these accounts and inquiries, you are required by law to delete them immediately. Failure to comply may result in legal action under FCRA 616-617 for statutory damages, attorneys fees, and punitive damages. 
Please provide written confirmation of deletions immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited the check XXXX  XX/XX/year>. They put a hold on it until this XXXX  the XXXX. Today ( XX/XX/XXXX ) they put another hold on it due to not being able to collect the funds from the companys bank. At least that is what I was told by a Bank of America employee that I spoke with on the phone. They said they will not release the funds until XX/XX/XXXX or when theyre able to collect it from the companys bank. I reached out to the company who issued the check and they showed me that the check cleared on XX/XX/XXXX. They also gave me a copy of the check that cleared which was in fact the check I deposited in the Bank of America 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 2025-08-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$9500.00} XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 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 extremely frustrated to see that inaccurate accounts are still appearing on my credit report this morning. I have no idea why this is happening, and its unacceptable. I refreshed my browser multiple times thinking it was just a glitch, but the issue remained. I need this matter resolved immediately, and I demand that the documents Ive sent be reviewed thoroughly so I dont have to keep stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I duplicated my XX/XX/XXXX payment. I requested the XXXX payment be refunded. Also at this time we setup autopay for my statement balance. They said to expect a week which I thought was a little long for processing but I accepted it. When it did not arrive I inquired again, they said they would expedite my request. No refund received either and after a long wait time with customer service they said it could take XXXX  days. Not happy but we also discussed my concern for the next billing cycle which obviously was XXXX payment due because of my credit on the account. Well on XX/XX/XXXX they took more money from my account so my credit is now over {$2000.00} and I am not waiting XXXX  days for the return of these funds. Please help me get them back now.

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 2025-08-26 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc
State: FL

Complaint narrative:
This is related to CFPB complaint XXXX. Filed complaint on Bright Money, as they advertise fast credit building and repair. This company advised they would refund me the XXXX dollars they took from my checking account. After speaking with their chat customer service more than XXXX times, I never received my refund. I asked if they could mail the refund and was advised they don't mail the refund and could only offer XXXX for refund. However, the XXXX continually failed to go through with no resolution. Now when I log into Bright Money app, my balance is XXXX. So the company has kept my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: VT

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: SC

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

Company 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