vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal. I am a single mother who deserves to succeed in life but can't due to poor credit because of these things affecting my credit.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
A collection account from XXXX XXXX XXXX XXXX XXXX ( for original creditor XXXX XXXX IN ) is being reported inaccurately on my credit reports with TransUnion and Experian. 
TransUnion reports a balance of {$1800.00} ( updated XX/XX/year> ). 
Experian reports a balance of {$1800.00} ( updated XX/XX/year> ). 
This {$4.00} discrepancy across the XXXX major credit bureaus demonstrates that the reported balance is not accurate, complete, or verifiable, violating the Fair Credit Reporting Act ( FCRA ) requirement for furnishers and credit reporting agencies to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and to conduct reasonable investigations of disputes ( 15 U.S.C. 1681i ).

The inconsistent reporting is harming my credit score and ability to obtain credit. I request that XXXX XXXX XXXX ( or the bureaus ) correct the balance to be consistent or delete the account entirely if it can not be fully verified.

I have attached excerpts from both credit reports highlighting the account and the differing balances.

I previously disputed this with [ TransUnion/Experian ], but they verified it as accurate without resolving the clear inconsistency.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this third formal dispute regarding inaccurate information currently reported on my Equifax, Experian and TransUnion credit file. Despite prior communications, these accounts continue to reflect information that is inconsistent, incomplete, and potentially misleading, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( 15 U.S.C. 1681i ) Dispute of Inaccurate Information, 623 ( a ) ( 2 ) Duty to Correct and Update, 605 ( a ) Obsolete Information, 609 ( 15 U.S.C. 1681g ) Right to Full Disclosure, as well as 1666 Correction of Billing Errors and 1666a Creditor Restrictions During Dispute where applicable. I am requesting a complete reinvestigation, verification, and correction of the following items to ensure that my Equifax, Experian and TransUnion report reflects accurate and verified 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

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Company purchased debt without my knowledge or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i am filing this complaint against Experian Information Solutions for repeated failures to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ). 

I have disputed a XXXX XXXX XXXX XXXX account that is being reported inaccurately and in a materially misleading manner, including improper monthly balance updates on a charged-off account that falsely suggest ongoing delinquency. 

Despite receiving my disputes via certified mail, Experian has repeatedly and automatically forwarded my disputes to the furnisher ( XXXX XXXX XXXX XXXX ) and relied solely on the furnishers response, without performing an independent investigation into the accuracy and completeness of its own reporting.

Experians responses consist of generic, boilerplate statements that do not identify what was investigated, what documents were reviewed, or how the accuracy of the reporting was verified. This does not meet the legal standard for a reasonable investigation under the FCRA. 

Experian continues to report information that is inaccurate or materially misleading, despite being placed on actual notice of these issues. 

I am requesting that the CFPB review Experians dispute handling practices and require Experian to either : XXXX. Provide documented proof of a reasonable investigation, or XXXX. Delete the XXXX XXXX XXXX XXXX account as unverifiable. 

I am attaching copies of my certified dispute letters, Experians generic responses, and evidence of repeated furnisher reliance.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: WA

Complaint narrative:
In XXXX i signed up for the chime checking account and associated cards. A debit, a credit builder and such. I signed up through a link which had advertised a {$350.00} sign up bonus upon them receiving within 45 days a {$500.00} or more direct deposit from my employer. On XX/XX/XXXX i satisfied that deposit. However I noticed no where in the app did it mention the bonus after I signed up so the following day on the XXXX I called to make sure I hadnt messed up. I know the promotional code was there when I signed up but I still wanted to make sure. At that point I spoke with a female who confirmed the direct deposit was from a payroll provider. Told me she saw the promotion and not to worry it was applied and I had satisfied the requirements. I would see the funds in 7 business days. I confirmed that would be the XXXX. Around XXXX on the XXXX I still saw nothing so I called to check up on it, and I was told first that I was just wrong. I wasnt eligible. After that they verified the prior representative had in fact told me she saw I was signed up and met the criteria and would see it in 7 business days. After they confirmed that I was still told I wasnt eligible. I asked for escalation and was transferred to a supervisor who again just kept saying its my fault. At this point I conceded that I fell victim to deceptive business practices but still wanted resolution with why I was lied too. Finally the supervisor very rudely told me that all he will do is make sure that person doesnt work for chime anymore. WOW. Im lied too, then talked down too and then gaslit. If on the XXXX they said sorry there is an issue and unfortunately youre not eligible due to a missing code, I wouldve been upset but I wouldve understood. Instead the day before XXXX Im expecting based on their direct communication with me {$350.00} and then get lambasted and gaslit when Im just looking for an apology for being lied to, or deceived and an explanation on why they wont make good on their promise. Or at the bare minimum some accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This that doesnt belong to me this is due to identity death fraudulent account. I try to the to the spiel dispute with the three major credit bureaus and nothing was done for me. This doesnt belong to me. I feel like theyre not doing an investigation. Well they just go with whatever is there. They just leave it there if Im reporting that is due to identity debt why is keep pouring on my credit score? are you reaching out to you guys so you guys can do a bigger investigation this is really ruining my credit. I need my life back and this to be removed experience.com is not doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
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 's 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.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just want to Follow up this complaint regarding repeated, pervasive inaccuracies, misreporting, and inconsistent data appearing on my credit reports from Experian, Equifax, and TransUnion, under multiple variations of my name including 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 XXXXXXXX. The accounts in question including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other creditors reflect conflicting balances, dates of last activity, and reporting statuses across the XXXX credit bureaus. Many accounts report XXXX balances in XXXX bureau while showing substantial balances in another, and last activity dates are inconsistent or outdated, some as far back as XXXX or XXXX. Original creditor names are misreported, incomplete, or inconsistent, including variations like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries and hard pulls, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX and others, may not meet permissible purpose requirements and some are outdated. These errors violate multiple provisions of the FCRA, including 605 ( a ), 605 ( c ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), as well as the FDCPA 807-809, creating a persistent, ongoing harm to my creditworthiness, financial reputation, and ability to secure fair financial opportunities. I have disputed these inaccuracies multiple times with each bureau, yet they continue to report unverifiable, conflicting, and outdated information, demonstrating negligence and failure to maintain accurate consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9700.00} FROM MY BUSINESS CHECKING ACCOUNT

Company response to consumer: Closed with explanation