vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX Balance {$9800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$9800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX 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 2025-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX Balance {$9800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$9800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I previously filed a CFPB complaint regarding an inaccurate CitiCards account ( ending in XXXX ) that was deleted from my XXXX  credit report. 

XXXX  confirmed in its CFPB response dated XX/XX/2025 that the information is not currently on your TransUnion credit report. 

However, within weeks of that response, the same Citi account was reinserted on my credit report with a new Reported date of XX/XX/2025 and status Closed 60 days late. 

I did not receive any written notice of reinsertion as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a violation of federal law.

I am requesting : 1. Immediate removal
of the reinserted account ; 2. A copy of the furnishers certification authorizing reinsertion ; and 3. Written confirmation of compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Attached are screenshots of : The CFPBs prior response showing deletion confirmation ; and The current TransUnion report showing reinsertion.

Under FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : If a credit bureau deletes an account and later reinserts it, they must : Get certification from the furnisher that the information is accurate, and Send you written notice within five ( 5 ) business days after reinsert

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 2025-10-14 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding an outdated public record that should have been removed based on the seven-year reporting limit under FCRA 605 ( a ). The record still appears on my credit report, and I have not received any results or explanations from the credit bureau regarding its continued presence. This is a direct violation of both reinvestigation and time-limit provisions of the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX * * Balance : {$390.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Bankruptcy Court : XXXX Bankruptcy XXXX Reference # : XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX Reference # : 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 2025-10-14 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding an outdated public record that should have been removed based on the seven-year reporting limit under FCRA 605 ( a ). The record still appears on my credit report, and I have not received any results or explanations from the credit bureau regarding its continued presence. This is a direct violation of both reinvestigation and time-limit provisions of the FCRA. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX * * Balance : {$390.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Bankruptcy Court : XXXX Bankruptcy XXXX Reference # : XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy Court Reference # : XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed out of {$550.00} on XXXX [ insert date ] through a XXXX transfer from my Bank of America account. I immediately contacted Bank of America while the payment was still processing. Two separate representatives told me I could not file a fraud dispute until it posted, even though they confirmed the recipient was already flagged as potential fraud in XXXX system. By the time it cleared, the funds were gone. 

After I filed a claim, Bank of America denied it, stating that the payment was authorized. I later submitted additional proof showing that this was a scam, including screenshots of messages with the scammer, their phone numbers and email, the fake breeder address, and XXXX page transparency data showing the page manager location in XXXX and a recent name change to XXXX XXXX XXXX. Despite this, the bank refused to reopen the case. 

The denial letter claimed their decision was based on the information I provided, bank statements previously sent to me, and my account history. I was never sent any statements, and my account history has been in excellent standing for over 17 years. This proves Bank of America did not perform a reasonable investigation and simply issued a generic denial. 

I am requesting the CFPB require Bank of America to reopen my claim, conduct a proper investigation, and reimburse the {$550.00} loss. 

After Bank of America denied my XXXX fraud claim, I was forced to take out a {$500.00} Balance Assist Loan from the same bank ( Agreement Date : XX/XX/year> ) to cover the shortfall caused by their refusal to reimburse my stolen funds. This loan carried a {$5.00} finance charge and required repayment with interest, meaning I had to borrow nearly the same amount that was lost in the scam. This demonstrates additional financial harm directly resulting from the banks mishandling of my fraud claim and shows that the institution financially benefited from its own error.

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 2025-10-14 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: SC

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

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because there are XXXX total accounts and inquiries on my credit report that are completely unauthorized and inaccurate. These items appeared between XXXX and XX/XX/2024, and I did not apply for, authorize, or open any of them. Despite my repeated disputes, the credit bureaus and companies involved have failed to properly investigate or remove these fraudulent items. 

The following are the specific companies and actions in question : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and unauthorized account XX/XX/2024 XXXX. XXXX XXXX XXXX inquiry and unauthorized account XX/XX/2024 XXXX. XXXX XXXX inquiry XX/XX/2024 XXXX. Avant Unauthorized personal loan account XX/XX/2024 XXXX. XXXXXXXX XXXX Unauthorized credit card account XX/XX/2024 XXXX. XXXX XXXX Unauthorized secured card account XX/XX/2024 XXXX. XXXXXXXX XXXX XXXX XXXXXXXX inquiry and negative account XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX account XXXX late XX/XX/2024 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX inquiry XX/XX/2024 XXXX. XXXX XXXX Unauthorized account XX/XX/2024 XXXX. XXXX XXXX XXXX credit account XX/XX/2024 XXXX. XXXX Hard inquiry and inaccurate reporting XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX account not XXXX to me XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX account I never authorized XX/XX/2024 I have disputed each of these items with Experian, Equifax, and TransUnion since XX/XX/2024, but none of the companies have provided verification or proof that these accounts are legitimate. The bureaus and furnishers have instead continued to report them, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and 1681s-2 ( b ), which require proper investigation and deletion of unverifiable information.

These false accounts and inquiries have significantly lowered my credit score, caused financial hardship, and limited my access to fair credit opportunities. I have followed every dispute process in good faith, but these errors remain.

I am requesting that all 14 unauthorized and inaccurate accounts and inquiries be permanently deleted and that my credit report be restored to its accurate standing immediately.

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 2025-10-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because there are XXXX total accounts and inquiries on my credit report that are completely unauthorized and inaccurate. These items appeared between XXXX and XX/XX/2024, and I did not apply for, authorize, or open any of them. Despite my repeated disputes, the credit bureaus and companies involved have failed to properly investigate or remove these fraudulent items. 

The following are the specific companies and actions in question : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and unauthorized account XX/XX/2024 XXXX. XXXX XXXX XXXX inquiry and unauthorized account XX/XX/2024 XXXX. XXXX XXXX inquiry XX/XX/2024 XXXX. Avant Unauthorized personal loan account XX/XX/2024 XXXX. XXXXXXXX XXXX Unauthorized credit card account XX/XX/2024 XXXX. XXXX XXXX Unauthorized secured card account XX/XX/2024 XXXX. XXXXXXXX XXXX XXXX XXXXXXXX inquiry and negative account XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX account XXXX late XX/XX/2024 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX inquiry XX/XX/2024 XXXX. XXXX XXXX Unauthorized account XX/XX/2024 XXXX. XXXX XXXX XXXX credit account XX/XX/2024 XXXX. XXXX Hard inquiry and inaccurate reporting XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX account not XXXX to me XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX account I never authorized XX/XX/2024 I have disputed each of these items with Experian, Equifax, and TransUnion since XX/XX/2024, but none of the companies have provided verification or proof that these accounts are legitimate. The bureaus and furnishers have instead continued to report them, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and 1681s-2 ( b ), which require proper investigation and deletion of unverifiable information.

These false accounts and inquiries have significantly lowered my credit score, caused financial hardship, and limited my access to fair credit opportunities. I have followed every dispute process in good faith, but these errors remain.

I am requesting that all 14 unauthorized and inaccurate accounts and inquiries be permanently deleted and that my credit report be restored to its accurate standing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of late payments on my credit report, which continues to reflect late payments despite my consistent, timely payments. These inaccuracies are negatively affecting my credit profile, and I request immediate correction under the Fair Credit Reporting Act ( FCRA ), Sections 609, 611, and 623, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate TransUnion to investigate disputed information and correct inaccuracies. 
XXXX XXXX * * * * * * Balance : {$0.00} Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I believe the reporting on this account does not meet this legal standard.

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 2025-10-14 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC XX/XX/year> & XX/XX/year> {$1200.00} {$920.00} {$2300.00} {$4300.00} XXXX disputed XXXX times on XXXX different occasions about validation of the accounts posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing to formally dispute credit report, I discovered that XXXX  XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXre being reported with late payments from XXXX to XX/XX/year>, including 30, 60, 90, and 120-day delinquencies. These reports are inaccurate and do not reflect my actual payment history. Despite previous disputes, and XXXX XXXX have failed to verify or correct the information, violating FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation, and 623 ( a ) ( 2 ), which mandates furnishers to correct and update inaccurate data. These late entries have caused significant damage to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am filing to formally dispute credit report, I discovered that XXXX  XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXre being reported with late payments from XXXX to XX/XX/year>, including 30, 60, 90, and 120-day delinquencies. These reports are inaccurate and do not reflect my actual payment history. Despite previous disputes, and XXXX XXXX have failed to verify or correct the information, violating FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation, and 623 ( a ) ( 2 ), which mandates furnishers to correct and update inaccurate data. These late entries have caused significant damage to my creditworthiness.

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 2025-10-14 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: AR

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of late payments on my credit report, which continues to reflect late payments despite my consistent, timely payments. These inaccuracies are negatively affecting my credit profile, and I request immediate correction under the Fair Credit Reporting Act ( FCRA ), Sections 609, 611, and 623, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligate TransUnion to investigate disputed information and correct inaccuracies. 
XXXX XXXX * * * * * * Balance : {$0.00} Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I believe the reporting on this account does not meet this legal standard.

Company response to consumer: Closed with non-monetary relief