vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>. In New York XXXX. In Washington XXXX XXXX. At XXXX. My phone was grabbed from my hand. The thief ran, and while he had my phone, he accessed my bank account and stole {$2500.00}. I called the bank and immediately filed a police report. I provided the bank with the police report, but they refused to refund my funds. They stated that they were unable to retrieve the funds from the account where the thief transferred the money. My understanding is that if it's a case of fraud and a crime, then the banks are required to refund the money. It's a law the XXXX XXXX. I provided the police reports to the bank. It was a crime.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Opened an account with Citibank for a checking and savings account close to a month ago. I have been sending over funds from my XXXX XXXX account as I had deposits come in for selling my car and my work direct deposit ( as it takes several billing cycles for the direct deposit source to change ). 

On Sunday, after sending a {$100.00} XXXX payment to my girlfriend, my checking and savings accounts were both locked and then I was locked out from being able to sign in at all today. 

Calling Citibank did nothing. They gave me no reasoning for the closure. They simply stated that my money will be sent to be at the end of 60 days. 

That is absolute insanity as I can not pay my mortgage or my bills as all of my life savings is in those accounts. 

I don't want to do... 

They have provided me no document or reason for the closures. The only physical correspondence that I have received from them is the notating of my online account login being disabled. I didn't get any notice at all about my accounts being blocked/locked.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CT

Complaint narrative:
This account was charged off on the following date ( XXXX, 2022 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am requesting the deletion of the XXXX account due to inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

The account is currently reporting as a charge-off with a {$0.00} balance, and it is being updated monthly as if it is still active or unresolved. This is misleading and inconsistent with FCRA requirements for data accuracy and completeness. 

If the balance is {$0.00}, the account can not accurately be reported as an outstanding charge-off. Additionally, the remarks indicate that the account was transferred or sold, which means the original creditor no longer owns the debt and should not be updating the tradeline as if the account is still collectible. 

This reporting violates multiple sections of the Fair Credit Reporting Act : FCRA XXXX ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Reporting a charge-off with no balance and no ownership is neither accurate nor complete. 

FCRA XXXX ( a ) ( XXXX ) : Prohibits the re-aging of charge-off accounts beyond the seven-year reporting period. Monthly updates on a {$0.00} balance are improperly extending the negative impact of the account. 

FCRA XXXX ( a ) : Requires a reasonable reinvestigation of disputed information. I have previously disputed this account, and the investigation was marked as " verified '' without addressing these inconsistencies or correcting the status. 

I am requesting that this account be fully removed from all three credit bureaus ( Equifax, TransUnion, and Experian ) due to incomplete and inaccurate reporting that is causing ongoing harm to my credit profile. 

Please find attached a screenshot of the current tradeline and proof of the monthly updates and {$0.00} balance status.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the deletion of the XXXX account due to inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

The account is currently reporting as a charge-off with a {$0.00} balance, and it is being updated monthly as if it is still active or unresolved. This is misleading and inconsistent with FCRA requirements for data accuracy and completeness. 

If the balance is {$0.00}, the account can not accurately be reported as an outstanding charge-off. Additionally, the remarks indicate that the account was transferred or sold, which means the original creditor no longer owns the debt and should not be updating the tradeline as if the account is still collectible. 

This reporting violates multiple sections of the Fair Credit Reporting Act : FCRA XXXX ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Reporting a charge-off with no balance and no ownership is neither accurate nor complete. 

FCRA XXXX ( a ) ( XXXX ) : Prohibits the re-aging of charge-off accounts beyond the seven-year reporting period. Monthly updates on a {$0.00} balance are improperly extending the negative impact of the account. 

FCRA XXXX ( a ) : Requires a reasonable reinvestigation of disputed information. I have previously disputed this account, and the investigation was marked as " verified '' without addressing these inconsistencies or correcting the status. 

I am requesting that this account be fully removed from all three credit bureaus ( Equifax, TransUnion, and Experian ) due to incomplete and inaccurate reporting that is causing ongoing harm to my credit profile. 

Please find attached a screenshot of the current tradeline and proof of the monthly updates and {$0.00} balance status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MI

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 XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged a monthly service charge fee for a XXXX XXXX  account of {$12.00} on XXXX for not having a minimum amount of {$1500.00} in the account on XXXX. I inquired about this fee and received a refund on XXXX ; however, I was charged an additional {$12.00} fee on XXXX for not having {$1500.00} in my account between XXXX and XXXX. I again inquired with XXXX since the only reason my account was below {$1500.00} in XXXX was because they charged a fee on XXXX that was refunded on XXXX. I was told they could not refund this fee because I reached the maximum amount of refunds for the calendar year ( XXXX refund ). I insisted that I should not be penalized for the time period between being charged the fee ( XXXX ) and receiving a refund ( XXXX ), and was told over the phone the policy is I will be charged a fee if the amount in my account is below {$1500.00} at the start of any day out of the month. XXXX is refusing to refund and double penalizing me for a fee they initially refunded, and that is why I am submitting this complaint. I should not be charged a fee for not having {$1500.00} in my account over XXXX business day when XXXX is the one that caused my account to go below {$1500.00} on XXXX. Attached you will find the secure messages where I attempted to resolve this issue with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-22 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA XXXX, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year>

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 2025-07-22 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-07-22 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NV

Complaint narrative:
i have repeatedly repeatedly submitted formal identity theft dispute letters to all three credit reporting agencies ( TransUnion, Experian, and Equifax ) under XXXX U.S. Code XXXX, starting as early as XX/XX/2025, with all required documentation including an FTC Identity Theft Report, proof of identity and address, and a signed sworn statement. Despite this, multiple fraudulent collection accounts from XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX have remained on her credit reports or were reinserted without notice or reinvestigation, violating FCRA law. None of the CRAs have conducted a proper investigation, provided verification of the accounts, or removed the inaccurate entries within the XXXXday period as legally required. The reporting is inconsistent across the bureaus, and some accounts appear duplicated or altered, indicating negligence and willful noncompliance with federal credit reporting laws. 
PLEASE SEE ATTACHMENTS BELOW

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