vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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 am submitting this complaint against Equifax Information Services, LLC for repeated failures to conduct a lawful reinvestigation and for continuing to report disputed accounts without verification, in violation of the Fair Credit Reporting Act. 

On XX/XX/year>, I mailed Equifax a formal dispute and demand for verification regarding inaccurate and incomplete accounts being reported under my name, including XXXX XXXXXXXX ( Account No. XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX. ( Account XXXX. XXXX ), and XXXX XXXX XXXX ( Account XXXX. XXXX ). Equifax was required to reinvestigate and obtain verification from the furnishers. 

Equifax failed to provide verification or substantive responses. It did not supply contracts, account ledgers, proof of ownership, or any documentation supporting continued reporting. Instead, Equifax issued non-responsive communications and continued reporting the disputed accounts as accurate. 

On XX/XX/year>, I sent a second written notice documenting Equifaxs failure to verify, procedural evasion, and bad-faith avoidance. Equifax again failed to cure these defects. On XX/XX/year>, I issued a final Notice of Dishonor and Demand for Deletion after Equifax failed to meet its statutory duties. 

Equifaxs continued reporting of these accounts without verification constitutes negligent and willful non-compliance with 15 U.S.C. 1681e ( b ) and 1681i ( a ). The harm from this inaccurate reporting is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
LETTER 2 : XXXX XXXX XXXX PAID/CLOSED WITH XXXX LATE Sent to : Kikoff Lending LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXXXXXX RE : DISPUTE OF INACCURATE DEROGATORY REPORTING Account : Kikoff Lending LLC ( XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, I dispute the accuracy and legal reporting of the above-referenced account appearing on my TransUnion credit file.

VIOLATIONS Material Inaccuracy 15 U.S.C. 1681e ( b ) The account is reported as XXXX, XXXX, yet a XXXX delinquency is inconsistently applied despite full satisfaction of the obligation. 

Failure to Report Complete Payment Context No evidence exists that I was provided meaningful notice or opportunity to cure prior to the reported delinquency.

Disproportionate Harm / Obsolete Negative Impact Continuing to report a lone delinquency on a satisfied account serves no permissible purpose under 1681b.

DEMAND You are required to delete all derogatory payment history associated with this account or remove the tradeline entirely.

If verification can not be completed with original records, deletion is mandatory under 1681i ( a ) ( 5 ). 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Immediate Escalation Requested Credit Limit Decision I am extremely dissatisfied with how my recent credit card request was handled. 
I requested a new credit card while having a total credit line of {$70000.00} with Bank of America. Instead of extending additional credit, {$2500.00} was taken from my existing card and reassigned to the new one. From my perspective, this is not a credit approval but merely a reshuffling of my own available credit. 
I have been a Bank of America customer for nearly 20 years. I have never missed or been late on a payment, have maintained an excellent credit profile, and keep significant funds with the bank. Given this history, I find this decision both unreasonable and unprofessional. 
At this point, I am not interested in generic explanations or responses from frontline staff who lack the authority to make meaningful decisions. I am requesting that this matter be escalated to a decision-making manager who is qualified and empowered to review my account properly and address this issue in a substantive way.

If this matter can not be reviewed and resolved appropriately, I will seriously consider closing all of my accounts and ending my relationship with Bank of America. 
I expect a response from a senior representative who can address this matter with the level of competence and authority it requires.

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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Claim number XXXX XXXX I chose to damage my bank account in its totality. This complaint concerns Wells Fargo Bank 's retaliatory misconduct following complaints I lodged regarding the actions of bank personnel and the handling of matters by its Executive Office. After those complaints were made, Wells Fargo closed my account. The timing and circumstances make clear that this closure was retaliatory by XXXX I. 

A transaction dispute in the amount of {$30.00} remains unresolved. The merchant expressly admitted, in writing, that a refund was owed. Despite that admission, the merchant issued a refund check payable to an incorrect name, rendering the check non-negotiable. I never received usable funds. The refund was therefore never completed, and the dispute was properly initiated. 

Instead of resolving this simple matter, Wells Fargos Executive Office employee XXXX XXXX has deliberately kept the dispute open and has delayed resolution without justification. There is no factual or procedural basis for the continued pendency of this dispute. The funds remain unpaid solely due to Wells Fargos intentional failure to act. 

Wells Fargo is hereby demanded to immediately resolve the dispute and remit payment of the {$30.00} owed. Continued delay constitutes bad-faith handling, further retaliation, and a failure to meet basic dispute-resolution obligations.

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 2025-12-19 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: IL

Complaint narrative:
I am submitting my seventh formal follow-up dispute to demand the immediate and permanent removal of the inaccurate, misleading, and unverifiable XXXXXXXX XXXX XXXX XXXX XXXX account, currently reported with a {$28000.00} balance on Experian and TransUnion, as it is inaccurately listed as a charged-off account without the proper issuance of a 1099-C for debts over {$600.00}. This continued reporting violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires furnishers to ensure accurate reporting, and despite multiple prior disputes, including certified communications, this account remains on my credit reports in a misleading and unverifiable manner, causing ongoing harm to my financial integrity, misrepresenting my creditworthiness, and creating undue stress. 

The reporting also violates FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), granting consumers the right to dispute unverifiable information, and FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681c-2, as the furnisher has failed to ensure accuracy before 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 explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
Company : Chime Financial , Inc. 
Product : Checking account / Debit card Issue : Fraud / Account compromised Sub-issue : Funds unavailable / delayed resolution Complaint Description : I am a pregnant single mother, and my Chime account was compromised without my authorization immediately before the holidays. This has caused significant financial hardship for me and my children. 

As a result of the compromised account, my funds were either removed and/or frozen, leaving me without access to money needed for basic necessities such as food, housing expenses, and care for my children. The timing of this incident has been extremely disruptive and stressful, particularly given my XXXX and XXXX  responsibilities. 

I trusted Chime with my primary banking needs, and this account disruption has left my family vulnerable during a critical time. I have reported the issue to Chime and submitted a handwritten letter explaining the situation, but I am concerned about delays in resolution and lack of timely access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
I am submitting to follow up on my previous complaint regarding inaccuracies reported on my Transunion credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Upon further review of my credit report, I have identified several items that appear to be inaccurate, unauthorized, unverifiable, or may be a result of a mixed file. These discrepancies are causing undue harm to my creditworthiness and financial stability. As a victim of multiple national data breaches and large-scale incidents that exposed personal consumer data, it is vital that my credit report reflects only accurate, authorized, and fully verifiable information. 
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 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 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 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  Specifically, I have highlighted several accounts that appear to have erroneous balances, inaccurate reporting of creditors, and outdated information, some of which may be linked to identity theft or fraudulent activities. I am requesting a thorough investigation into each of these disputed items as required by FCRA 607 ( b ), which mandates that consumer reporting agencies maintain the highest level of accuracy. Furthermore, I request that any unverifiable or unauthorized information be promptly removed in accordance with FCRA 605B and 609 ( a ), and that I be provided with verification documentation as stipulated by FCRA 609 ( a ).

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 2025-12-19 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: CITIBANK, N.A.
State: ID

Complaint narrative:
I canceled the citi XXXX XXXX used with my citi XXXXXXXX XXXX XXXX XXXX. It has been two months, Citi bank did not put the refund to my creditcard.

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 2025-12-19 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: PA

Complaint narrative:
I am submitting this complaint against TransUnion Information Services LLC for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) despite receiving multiple written disputes and a second formal notice regarding inaccurate credit reporting. TransUnion has knowingly continued to report false and misleading late payment information on my credit file after being provided sufficient notice and opportunity to correct these errors, causing ongoing harm to my credit standing. 

On XX/XX/year>, I formally disputed inaccurate late payment reporting associated with several XXXX XXXX XXXX XXXX accounts. Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified as accurate. TransUnion failed to meet this obligation. As a result, I issued a second written notice on XX/XX/year>, clearly identifying the continued inaccuracies and demanding lawful compliance. Despite this second notice, TransUnion has failed to correct or delete the disputed information. 

TransUnion continues to report late payments on XXXX XXXX XXXX XXXX Account No. XXXX, even though the account is current and was previously marked as dispute resolved. TransUnion also continues to report late payments on Account No. XXXX, which was successfully disputed and closed in good standing. Additionally, Account No. XXXX remains reported with late payments despite having been previously disputed, resolved, and closed in good standing. These negative notations are inaccurate, misleading, and unsupported by proper verification. 

TransUnions conduct indicates reliance on automated or superficial verification methods rather than the independent and reasonable reinvestigation required by federal law. Simply accepting unsubstantiated responses from furnishers does not satisfy FCRA requirements. Continuing to report disputed information without documented proof of accuracy constitutes unlawful reporting and reflects reckless disregard for consumer rights. This ongoing misconduct has resulted in suppressed credit scores, loss of credit opportunities, and reputational harm. 

TransUnion has been given multiple opportunities to correct these errors and has failed to do so. Its continued reporting of unverifiable information after repeated notice constitutes willful noncompliance with the FCRA and necessitates regulatory intervention.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there is an address reporting on my credit report that are not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Farrell Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate and unlawful reporting of a Prime Acceptance Corp ( PAC Auto ) auto loan account. This account contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and CFPB policies.

1. PAC Auto responded to my previous CFPB complaint stating they are not the appropriate company to address this issue, while they continue to furnish data to XXXX  and XXXX. If PAC Auto is furnishing the data, they ARE the appropriate party. If PAC Auto is not the furnisher, the information is unverifiable and must be deleted. This is a direct violation of FCRA 1681s-2 and 1681e ( b ).

2. The account is reporting * * three different balances * * across bureaus : TransUnion : {$0.00} balance, paid/closed XXXX  : inflated and increasing balance now at {$14000.00} XXXX  : inflated balance also at {$14000.00} 3. The account is also reporting : A charge-off/write-off amount of * * {$8100.00} * * An original balance of * * {$9500.00} * * Transferred to recovery on some bureaus Ongoing monthly interest increases after charge-off Balance increases during a dispute in XX/XX/year> Rising balances after a charge-off constitute * * illegal re-aging * * and violate FCRA 1681c ( f ). 

4. PAC Auto did NOT provide verification within the legally required 30 days under FCRA 1681i ( a ). Instead, they updated the balance to a higher amount during the dispute, causing score damage of more than XXXX points and preventing credit approvals. 

5. PAC Autos statement that they are not the appropriate company conflicts with the fact that they : Verified my dispute in XXXX Continue furnishing monthly data Updated balances during disputes Appear as the furnisher on the credit bureaus This is a failure to investigate under FCRA 1681s-2 ( b ) ( 1 ) ( AE ).

6. Because the data is : Inconsistent across bureaus Unverifiable based on PAC Autos own statement Illegally re-aged Reporting inflated postcharge-off balances Preventing credit opportunities Causing financial and emotional harm I am requesting * * permanent deletion * * of the PAC Auto tradeline under : FCRA 1681i ( a ) ( 5 ) ( A ) unverifiable information must be deleted FCRA 1681s-2 ( b ) ( 1 ) ( E ) furnisher must delete if unable to verify CFPB UDAAP rules for deceptive and harmful reporting practices Please investigate and require deletion, as PAC Auto can not verify or lawfully furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Complaint False Advertising and Failure to Honor Capital One Shopping Offer On XX/XX/year>, I purchased an annual XXXX subscription through a promotional offer advertised on the Capital One Offers platform. The offer required that the purchase be initiated by clicking the XXXX link provided directly on Capital Ones website, which I did. I was redirected to the XXXX website and completed the purchase in accordance with the offer terms. 

The charge posted to my Capital One account on XX/XX/year>, though the transaction was initiated on XX/XX/year>. I subsequently received an email stating that the promotional payout could take up to 45 days to process. 

After 45 days passed without resolution, I contacted Capital One and was advised to wait 90 days. On XX/XX/year>, I again contacted Capital One and spoke with a supervisor named XXXX at approximately XXXX XXXX The call lasted about XXXX minutes while she researched my concern. 

XXXX XXXX informed me that Capital One claimed XXXX deemed me ineligible for the offer. This explanation is inconsistent with what is reflected in XXXX Ones system. The shopping trip confirmation ( Confirmation Number : XXXX ) does not state that I was ineligible, it simply shows the offer as inactive. These are materially different representations. 

XXXX did not advertise this promotion to me, Capital One did. Capital One induced the purchase by advertising a {$20.00} promotional reward, and I relied on that representation when deciding to purchase an annual subscription rather than a monthly plan. Absent this offer, I would not have made this purchase. 

This conduct constitutes false advertising and deceptive trade practices, as Capital One promoted a financial incentive, directed the transaction, confirmed the shopping trip, and then failed to honor the advertised reward without valid justification. 

If this matter is not resolved promptly, I am prepared to pursue further remedies, including filing formal complaints with applicable consumer protection and regulatory agencies. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation