vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and Metro 2 compliance audit request for the account being reported under XXXX XXXX XXXX XXXX, account number ending in XXXX, on my consumer credit reports. After reviewing my credit file, I have found numerous inaccuracies, inconsistencies, and violations of both Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This account is in dispute and requires immediate investigation and correction or deletion as required by federal law. Metro 2 Compliance Violations Identified : Conflicting Remarks Across Same Account One report shows Dispute Resolved Subscriber Disagrees. Another report shows Consumer Disputes Reinvestigation in Progress. A third shows This Is An Account In Good Standing. Under Metro 2 guidelines, only one accurate and current compliance code may be present. These contradictions violate Field 112 ( Compliance Condition Code ) integrity rules. Late Payment Inconsistencies One report shows 130-day late ; another also shows 160-day late, yet this is not reflected uniformly across all three versions. The FCRA prohibits furnishing inconsistent or unverifiable payment histories ( FCRA 1681s-2 ( b ) ). Incomplete and Missing Payment History Several months show N/A ( No Data Available ) in the payment history timeline. This violates Metro 2 Field 28 ( Payment History Profile ) which requires a complete 24-month cycle or explicit explanation for missing data. Inaccurate Performance Percentage One section claims 98 % on-time, another 96 %, without reconciling the actual number of lates over 48, 55, and 57 reviewed months. This contradicts FCRA 1681e ( b ) which mandates maximum possible accuracy. Duplicate/Triplicate Reporting The same account is reported three times under nearly identical parameters but with varying data fields ( month reviewed, remarks, compliance codes ). This is a clear case of duplicate tradeline reporting, which artificially suppresses credit scores and violates FCRA 1681i and Metro 2 duplicate file prevention standards. FCRA Violations : 1681s-2 ( b ) : Failure to report accurate and complete information. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) ( 5 ) : Failure to promptly delete unverifiable or inconsistent data. 1681c-2 : If the information is disputed and can not be verified, it must be suppressed or deleted. I have also added my bank statement were payment was deducted they deducted the payment late not a error on 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
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX I went to Bank of America to open a safe deposit box in the name of our family trust. Bank of America employees refused to allow me to open the box unless my co-trustee was physically present. 

Our trust document explicitly states : When multiple trustees are serving, each such trustee shall have the authority to act alone and independently of the other trustees then serving, without the necessity of consultation with or approval of any other co-trustee or co-trustees. Any writing signed by a co-trustee with the authority to act alone and independently shall be valid and effective for all purposes as if signed by all such trustees. 

Despite this clear language granting me independent authority to act, the Bank of America employees, XXXX XXXX ( Senior Banker ) and the branch manager, refused to proceed. They appeared to apply their own personal interpretation of the trust document rather than following Bank of Americas official policy or accepting the legal authority granted to me in the trust. 

I attempted to resolve the issue directly at the branch, but both the banker and manager refused to open the box unless my co-trustee was physically present. I have not been offered any reasonable alternative or escalation process. 


I would like Bank of America to review this incident, clarify its policy regarding co-trustees with independent authority, and allow me to open the safe deposit box independently as authorized by our trust. I also ask that Bank of America ensure its employees receive appropriate training on handling trust documents to prevent similar issues 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 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint says Im late on payment every month. When I check the account online, there is not late status. They have not provided any way to contact an actual person to see what the problem is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: KY

Complaint narrative:
Account Name XXXX XXXX XXXX Account Type. Sales Contract Date Opened. XX/XX/XXXX Status. Charge off {$110.00} written off I filed a dispute through trans union. Their response was their investigation verified this information to be true. 

This is not my account! I have zero knowledge of this account! The phone number and address listed for me on this account is incorrect! Here is my proof that this is not my account!! On XXXX XXXX, XXXX at XXXX XXXX I was in the process of being booked in at the XXXX XXXX XXXX located in XXXX, XXXX XXXX. Which is the city I live in and not the one this company has on file for me. I was shipped from that jail to XXXX XXXX XXXX in XXXX XXXX where I remained incarcerated. I was released on XXXX XXXX, XXXX.! This account was opened while I was incarcerated. Theres no way I could have opened this account! Its b not possible! I want this off my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-23 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:
This letter serves as a formal dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and the Truth in Lending Act ( TILA ). I also reference the XXXX XXXX Compliance Manual, and cite the Equifax and TransUnion data breaches as reasons for heightened scrutiny. 
Disputed Accounts & Issues : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Late Payments : 30, 60, 90, and 120 Days Late ( 2024 ) o Violation : FCRA 607 ( b ) - Failure to maintain maximum possible accuracy ; XXXX XXXX - conflicting payment rating vs. account status XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o 150 Days Late ( Reported XX/XX/XXXX ) o Violation : FCRA 607 ( b ) ; FDCPA 809 - Validation not provided ; data possibly re-aged in violation of FCRA 605 ( a ) 3. XXXX  o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Lates : XXXX and 60 Days Late ( XXXX ) o Violation : XXXX XXXX XXXX Canceled by grantor but reported inaccurately ; Payment Rating conflicts with Status Inquiries Not Linked to Open Accounts : Please investigate and remove any hard inquiries not tied to active, open, or positive tradelines : o Creditor Name - Date of Inquiry o [ TransUnion Inquiries to be listed here from report ] Remedy Sought : Immediate reinvestigation under FCRA 611 ( a ) ; deletion if unverifiable or non-compliant under 611 ( a ) ( 5 ) ( A ).

Failure to comply within 30 days will result in formal complaints to the CFPB, FTC, Georgia Attorney General, and civil litigation under FCRA 616-617.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
I am writing pursuant to 15 U.S.C. XXXX and 15 U.S.C. XXXX, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft FACTUAL DATA XX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
This complaint is intended for the Equifax Information Services LLC Fraud Victim Assistance Department. It concerns identity-theft-related fraudulent reporting requiring an FCRA 605B block.

I previously filed disputes and submitted an FTC Identity Theft Report # XXXX regarding a fraudulent XXXX XXXX XXXX XXXX  that was opened without my authorization on or about XX/XX/year>. 

Despite providing Equifax with my FTC report, photo ID, and proof of address, Equifax has continued to report this account showing a charge-off balance of {$29000.00} and inconsistent data ( missing original creditor name, conflicting balances, and a false joint responsibility tag ). 

Equifaxs prior investigation failed to correct or block this fraudulent information as required under FCRA 605B and 611 ( a ). The XXXX XXXX tradeline contains multiple factual errors : Date opened ( XX/XX/year> ) and delinquency ( XX/XX/year> ) are inconsistent with normal reporting timelines. 
Charge-off amount ( {$48000.00} ) and balance ( {$29000.00} ) conflict. 
Account status Joint shows no co-signer information ( XXXX XXXX violation ). 
Post-closure updates after my identity-theft filing show re-aging of debt. 

These issues prove the account is unverifiable and fraudulent. Equifaxs failure to block and delete it constitutes non-compliance with FCRA 605B ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$330.00} XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$12000.00} Kikoff Date Opened XX/XX/XXXX Balance {$0.00} Credence Resource Management Date Opened XX/XX/XXXX Balance {$830.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$2000.00} XXXX XXXX Inquiries XXXX XXXX XXXXXXXX ( Education ) XX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Citibank Customer Service Consumer Banking XXXX. XXXX XXXX XXXX XXXX, SD XXXX Subject : Formal Complaint - Unauthorized Account Lockout and Inadequate Customer Service Dear Citibank Customer Service Manager , I am writing to file a formal complaint regarding the unauthorized lockout of my credit card and brokerage accounts, which has resulted in significant inconvenience and financial hardship. 

Issue Summary : Since XX/XX/year>, both my credit card access and brokerage account access have been completely locked without prior notification or clear explanation. This lockout has prevented me from : Making necessary trades in my brokerage account Accessing my funds Using my credit card for essential transactions Customer Service Experience : In my attempts to resolve this matter, I have experienced unacceptable service delays and inefficiency : Spent over 3 hours on hold Spoke with 16 different representatives across your brokerage team, credit card team, and senior customer service Have not received a satisfactory resolution or clear timeline for account restoration Impact : This account lockout has caused significant disruption to my financial activities and daily operations. The inability to access my funds and make trades has resulted in potential financial losses and prevented me from conducting necessary business. 

Requested Resolution : I respectfully request the following immediate actions : Immediate restoration of full access to both my credit card and brokerage accounts A detailed written explanation of why my accounts were locked Compensation for any fees, penalties, or financial losses incurred due to this lockout A direct contact person to handle my case to avoid further transfers between departments I expect this matter to be resolved within 48 hours of receipt of this complaint. If this issue is not addressed promptly, I will be compelled to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider alternative banking relationships. 

I have been a loyal customer and expect better service than what I have received. I look forward to your immediate attention to this matter and a swift resolution. 

Please contact me at XXXX or XXXX to confirm receipt of this complaint and provide updates on the resolution process. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation