vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
ve been monitoring my Equifax credit file through XXXX XXXX for years. Recently, I began receiving notifications of changes to my credit file, but when I log in, nothing is updated. 

All of my accounts on Equifax have remained the same for a long time even when the same accounts are being updated regularly by XXXX XXXX XXXX. It is a lot of old accounts still showing that was removed from XXXX XXXX and XXXX 

For example, a tradeline that was removed by the furnisher on XX/XX/year>, is still appearing with the same balance/status on Equifax. The bankruptcy account is still showing and its been over 7 years. 

I believe Equifax is failing to reflect accurate and current data and request an immediate investigation into the issue and a proper update of all applicable tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
Upon reviewing my credit report, I noticed an account that is unfamiliar and unauthorized. I did not open this account and have no contractual obligation tied to it.

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 2025-07-18 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Someone purchased concert tickets with my credit card on a company named via XXXX. They also tried to purchase other tickets but they were declined and flagged as fraudulent. However, one went through. I disputed the claim either the same day or within a day or two. I have multiple times open to dispute with Chase and they say the information matches we will not be covering this. I have provided proof that I was not in the state where the concert was at the time of the concert and I never had an account with the company that made the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Late Payment * * Law/Issue : FCRA 1681s-2 ( a ) ( 1 ) ( B ) requires furnishers to correct and update information they know to be inaccurate Story : This late payment is inaccurately reported I was enrolled in autopay and made payments on time I have records to support my claims Instruction : Reinvestigate this account with the creditor and delete any unverifiable or incorrect data immediately XXXX XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Chargeoff * * Law/Issue : FCRA 1681i ( a ) ( 5 ) requires deletion of unverifiable information following a reinvestigation Story : I do not recognize this account nor did I authorize it It appears to be fraud or misreported data and I have no business relationship with this creditor Instruction : Provide detailed verification including original application and account history or delete the account in its entirety XXXX XX/XX/XXXX Inquiry Law/Issue : Under FCRA 1681b ( c ), hard inquiries require permissible purpose and consumer authorization Story : I did not apply for any credit from this company and did not authorize any credit pull this inquiry was made without my consent Instruction : Delete this unauthorized inquiry immediately and provide the source documentation of how permission was obtained In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I discovered an account on my credit report that I did not authorize or open. This is clearly fraudulent and was not initiated by me.

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 2025-07-17 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had both a checking and savings account with Bank of America, along with a secured credit card. 

Between XXXX and XX/XX/year>, I experienced a mental health crisis and severe XXXX. During this vulnerable time, I became a victim of identity theft and financial fraud. 

Someone manipulated my account by changing the phone number and email address linked to my online banking. This allowed them to access the mobile app and drain my accounts through unauthorized XXXX transfers, ATM withdrawals, purchases, and fake checks. Despite reporting the issue and receiving limited help from a representative, the fraud continued to happen. I felt powerless and mentally overwhelmed. 

All my savings between {$8000.00} and {$15000.00} were stolen. 

Instead of helping me or seriously investigating the issue, Bank of America closed both my checking and savings accounts, seized the security deposit from my secured credit card, and left me with a {$50.00} balance that continues to grow with interest. I still receive payment plan offers and collection emails from them to this day. 

I used to receive all notifications from this email : XXXX The affected accounts and cards were : Savings account ending in XXXX Debit card ending in XXXX Secured credit card ending in XXXX They never gave me a clear explanation for closing my accounts or seizing the funds. I was not given any chance to appeal or defend myself. Even after reporting the fraud, I continued receiving collection emails and offers to set up payment plans, as if I were the one responsible for what happened. 

I still have access to some of the emails, bank messages, and other documents that can support my case. Im willing to provide screenshots or evidence if needed. 

The final decision of the bank was to terminate their relationship with me even though I was the victim. That destroyed my trust completely. My financial life collapsed, and so did my mental health. I had XXXX  thoughts and felt abandoned. 

After years of mutual trust, this is how the bank paid me back. 

I am still trying to recover emotionally and financially. Bank of America failed to protect me, acted with negligence, and treated me as if I was the problem. 

Im requesting a full investigation and reimbursement of the funds stolen from me. Please help me get justice and closure.

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KY

Complaint narrative:
My phone which had my cash app account recently broke. I bought a new phone and tried to log into my cash app but I didn't really remember all my information so I only had my cashapp tag to use. When I tried logging in my screen said " account does not exist/ca n't be accessed ''. I called cashapp support and they tried walking me through it. A lady on the phone told me to make a new account, add and email and phone number. When I did that she told me I needed to verify my account. I verified it and it told me that my account is closed. When I asked about it she said to text chat support. I talked with chat support for a while and I was just going around in circles until one of the chat support advocates helped a bit but wanted my bank info but I got mad and didn't answer so they left. When I calm down I tried to get back to that conversation but I think i was giving a different advocate because they didn't get back to what the bank thing. Eventually I think they got sick of me and they told me they can't access my account. Even if they can access my account i told them that I would be okay without the account as long as they could withdraw the money in that account because I have to feed my family and house them. When I asked what would happen to my money that i cant get to if the higher ups decide to close the account for good. They sent me a period like this ". ''. I'm beyond frustrated and I really need that money to pay for the room me and my family are staying at this is really a emergency especially with how the weather is its pouring and my father can't walk my daughter can't help that much she is only XXXX. And my paycheck gets sent to that accoun. I have no money for dinner tonight as well. Please look into this soon. I would prefer it be right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
My personal information was exposed to the XXXX XXXX breach and stolen my identity and I don't not recognize these accounts listed XXXX XXXX XXXX XXXX for {$650.00} and XXXX XXXX XXXX XXXX for {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IN

Complaint narrative:
I am filing a formal complaint against TransUnion for continued reporting of inaccurate, harmful, and unverifiable information on my credit report. Despite my efforts to resolve these issues, I am still being negatively impacted including being denied safe housing and access to basic opportunities.

I am requesting that TransUnion conduct a full reinvestigation of all negative and potentially inaccurate items on my file. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), I am requesting the method of verification for all accounts being reported, including the original source of the data, documents used, and the name or system that verified the accuracy of each item.

Some of these accounts do not belong to me, contain incorrect balances, or are outdated and should no longer be reported. I request the immediate removal of all unverifiable, inaccurate, or misreported information in accordance with FCRA 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
Consumer complaint received 2025-07-18 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: IN

Complaint narrative:
I am filing a formal complaint against TransUnion for continued reporting of inaccurate, harmful, and unverifiable information on my credit report. Despite my efforts to resolve these issues, I am still being negatively impacted including being denied safe housing and access to basic opportunities.

I am requesting that TransUnion conduct a full reinvestigation of all negative and potentially inaccurate items on my file. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), I am requesting the method of verification for all accounts being reported, including the original source of the data, documents used, and the name or system that verified the accuracy of each item.

Some of these accounts do not belong to me, contain incorrect balances, or are outdated and should no longer be reported. I request the immediate removal of all unverifiable, inaccurate, or misreported information in accordance with FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
An account that I have no affiliation with has been wrongly listed on my credit report. I did not authorize or recognize this entry, and it constitutes fraudulent reporting.

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 2025-07-17 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America withdrew funds from my joint personal and checking account, which I share with my wife, under the heading of a pending offset without my consent or prior notice. This account is used exclusively for the direct deposit of my salary from my employer.

The offset was executed to collect outstanding balances from : A personal Bank of America credit card, and A business Bank of America credit card issued in my name only.

I didn't authorize, in writing or otherwise, any right of offset against this account.

For the personal credit card, this action violates Regulation Z ( 12 CFR 1026.12 ( d ) ), which prohibits credit card issuers from taking funds from a consumer deposit account without express written authorization.

Additionally, the offset affected funds owned jointly with my wife, who is not responsible for the business credit card debt. This caused us financial harm, disrupted our household expenses, and put my employment at risk by interfering with my access to payroll funds.

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 2025-07-17 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Did not authorize All inquiries on. XXXX  profile account..

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 2025-07-17 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-17 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: GA

Complaint narrative:
I send each credit bureau a copy of the past due inquiries that are still being reported on my credit reports.

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 2025-07-17 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: GA

Complaint narrative:
I send each credit bureau a copy of the past due inquiries that are still being reported on my credit reports.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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