vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their reckless and unlawful reporting of an XXXX XXXX account XXXX XXXX as a charge-off since 2023. This account is being reported across all three credit bureaus despite being inaccurate, unverifiable, and in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

This continued reporting violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. Reporting a charge-off without verifiable proof of ownership, a signed agreement, or a legitimate accounting record constitutes reckless disregard for accuracy standards. No valid investigation or documentation has ever been provided by XXXX XXXX or any of the credit bureaus to substantiate this account. 

Under 15 U.S.C. 1681i ( a ), once a dispute is received, the bureaus are legally required to conduct a meaningful reinvestigation and provide a detailed Method of Verification. None of the bureaus have complied with this requirement. A form-letter response without supporting documentation does not satisfy the statutory obligation under the FCRA. Continued reporting after a failed verification constitutes willful noncompliance.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We deposited a cashier's/bank check from the buyer 's Bank of America account into our Bank of America account ( seller 's ) on XX/XX/year> at the XXXX XXXX New York XXXX XXXX and were told the money would be available the next day. When the money was still not in the account on XX/XX/year>, we were told that " the system assumed the house closing hadn't occured and transferred the money to Bank of America 's corporate account/general ledger. '' We were then told the money would be transferred to our account with interest by Monday XX/XX/year>. The amount of the check, {$550000.00} was transferred on XX/XX/year>, but we were not credited for the lost interest for XX/XX/year> through XX/XX/year>, approximately {$300.00}, until after I wrote to the XXXX XXXX  XXXX XXXX XXXX and they contacted the bank. A deposit was made directly into our account for {$300.00} by Bank of America, but we have received no explanation as to how this could have possibly occurred. We want to ensure that this does not happen to another consumer. The XXXX XXXX. XXXX XXXX XXXX representative stated that they don't have juristiction over this bank, and that I should notify the CFPB.

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 2025-10-13 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:
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 2025-10-13 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: WI

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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general and after any reinvestigation under paragraph ( 1 ) 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 suppose 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information I was very upset that i just took a look at my credit report and i saw items that are a result of Identity theft. For those identified transactions I did not provide written authorization or instruction to be reported an my credit report. I am demanding that the report of this information be blocked and deleted. Is not being made by error my request to be blocked ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transact on. As the consumer the identified transactions are not information related to any transaction by me. Listed on my FTC report and letter attached I need you to block those transactions since you are required to do what I am asking within 4 days of receipt of this notice.

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 2025-10-13 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
My account was on hold for 10 days and some from Coinbase called me and said they could update my account. They apparently did that but took all of my money. I spoke to Coinbase and explained it was one of their employees but they said there is nothing they can do to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Account Services, LLC
State: IL

Complaint narrative:
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  I am writing to formally express my disappointment and concern regarding the unprofessional and troubling experience Ive had while attempting to resolve an issue related to my XXXX claims with Patient Account Services , Inc. 

On * XX/XX/year> *, I spoke with one of your agents, * XXXX *, after providing my * Recipient Identification Number ( RIN ) * for the State of Illinois. During this conversation, I was told that I needed to provide a * P.O. Box * in order to submit my claim for processing. This information seemed questionable, but I complied in good faith. Unfortunately, this led to delays in the submission of my claims, which has forced me to make multiple follow-up calls to both * IL Medicaid * and * PAS *, all of which have been frustrating and unproductive. 

Most recently, on * XX/XX/year> *, I spoke with an agent named * XXXX * in an attempt to report the issue and gain clarity. However, I was met with what I can only describe as indifference. XXXX indicated that requesting a P.O. Box is not a standard procedure at PAS and was unfamiliar with any such requirement. Her response, though more helpful in some ways, only left me further confused and concerned. The last agent I spoke with on XX/XX/year> at This raises several critical questions : -Why was I given misleading information? 
-How often are patients misinformed in this way? 
-What safeguards are in place to prevent this from happening again? 

The experience was not only frustrating but also unacceptable. It is disheartening to know that something as simple as claim processing can require multiple phone calls, inconsistent information, and lack of proper support. This is especially difficult for individuals relying on Medicaid services and already navigating complex health-related matters. 

I am requesting a formal explanation of why I was misinformed, and what actions PAS is taking to ensure better training, accountability, and quality of service from its agents going forward. I would also appreciate confirmation that my claims are now being handled correctly and in a timely manner. As well as an invoice balance of {$0.00} at my home address mentioned above. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase closed my checking account without giving me any advance written notice. 

After the fact, I received a letter dated XX/XX/year>, stating that a deposit had been made into my account and that they used that deposit to pay off a negative balance. The letter said the deposit was more than what was needed, and they issued a refund check for {$15.00}. 

I never received any prior notice that the account would be closed or that Chase planned to apply the deposited funds in this way. I was not told who deposited the money, the full deposit amount, or how the funds were applied. My online access was removed immediately, which prevented me from reviewing or verifying my own account information.

The only written notice I ever received from Chase around that time referred to my credit-card account, not this checking account, so I was misled and left without the chance to act or retrieve my money.

I believe Chase acted prematurely and unfairly by closing my account without notice, withholding key account information, and handling the deposited funds without transparency.

Im requesting a full investigation, documentation of all deposits and transactions made before the closure, and a written explanation for why my account was closed without proper notification or disclosure of the deposit details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-13 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I am writing to dispute the accuracy of specific items on my consumer report. In light of recent data-security incidents affecting major credit bureaus, I have reason to believe my file may contain mixed/compromised information. The following accounts are inaccurate and/or unauthorized and must be removed or corrected : Creditor/Collector : Citibank Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX XXXX Reason : wrong balance/wrong dates/paid/closed but reporting open Creditor/Collector : XXXX XXXX XXXX  Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector XXXX XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX  XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX  XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector XXXX XXXX XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open Creditor/Collector : XXXX XXXX Reason : wrong balance / wrong dates/ paid/closed but reporting open My requests ( under the FCRA ) 1. Reinvestigate and correct/delete these items and provide results within 30 days. 15 U.S.C. 1681i ( a ).

2. Notify all furnishers of my dispute and forward all relevant information Ive provided. 1681i ( a ) ( 2 ).

3. Upon completion, send me : o The updated report ; o A description of the procedures used, the furnishers you contacted, and the method of verification. 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Mark these items as disputed in any reporting while your reinvestigation is pending. 1681i ( c ).

If you determine ( or I have indicated ) the items stem from identity theft, then under 1681c-2 you must block the reporting of information resulting from identity theft within 4 business days of receiving : A valid identity theft report ( FTC Identity Theft Report or police report ), My proof of identity, and Identification of the disputed information. 
I am enclosing these documents for that purpose ( see Enclosures ). 
Communication & preservation Please communicate in writing to the address above. 
Preserve all documents and data used in your reinvestigation. 
Thank you for your prompt attention. I look forward to your written results and method of verification.

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 2025-10-13 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: TX

Complaint narrative:
I formally dispute the reporting of entries associated with accounts I did not establish. Please conduct a thorough review and remove them. Supporting documentation is enclosed.

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 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I first submitted a formal research/lien verification request on XX/XX/XXXX. Since then I have received only generic responses and no meaningful documentation has been provided. 

The issue : A clouded title due to a modification in XXXX and unrecorded/deferred forbearance amounts is preventing me from securing a Home Equity Line of Credit. I urgently need : This matter has been ongoing for two years, and I am requesting immediate resolution. 



Thank you XXXX XXXX XXXX XXXX text On XX/XX/XXXX, at XXXX, Research Outgoing XXXX wrote :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, XXXX. XXXX opened XX/XX/XXXX, XXXX. XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  opened 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 2025-10-13 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-13 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: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief