vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 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: TX

Complaint narrative:
I have disputed this with all three bureaus. Also sent a debt validation letter.

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 2025-12-24 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 have disputed this with all three bureaus. Also sent a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am submitting this follow-up complaint because my credit reports continue to contain numerous inaccurate, incomplete, and unverifiable entries that have significantly harmed my creditworthiness, despite my prior disputes and validation requests, in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). A closed XX/XX/XXXX account with a {$0.00} balance remains reported with late payment information even after dispute, which is materially inaccurate and inconsistent with FCRA 1666 and 1666a regarding billing error corrections, FCRA 611 concerning reinvestigation requirements, and FCRA 623 ( a ) ( 2 ) and 623 ( b ), which require furnishers to accurately report and correct disputed information. In addition, two collection accountsXX/XX/XXXXXXXX for an allegedXX/XX/XXXXbalance of {$1400.00} and XXXX XXXX XXXX for an alleged XX/XX/XXXXbalance of XX/XX/XXXX XXXX to appear on my credit reports without proper validation, without accurate or consistent reporting of the Date of First Delinquency, and without adequate proof of ownership or authority to collect, in violation of FDCPA 807809 and FCRA 605 ( a ) regarding obsolete information, 605 ( c ) regarding proper DOFD usage, 609 ( a ) ( 1 ) regarding my right to full disclosure of information used to create these tradelines, and 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) requiring complete and accurate reporting by furnishers. Furthermore, my credit reports reflect numerous hard inquiries from entities including XXXXXX/XX/XXXXXXXX XXXX and others on various dates, many of which were not authorized by me to the best of my knowledge and appear duplicative or unsupported by a permissible purpose, raising concerns under FCRA 604 . Despite my prior disputes, these issues remain unresolved, suggesting that the reinvestigation process was inadequate and did not comply with federal standards, necessitating CFPB intervention to ensure lawful reporting and fair treatment.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under par
agraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-12-24 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: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
Somehow scammers got access to my bank account and over several months tried stealing tens of thousands of dollars from my Sofi checking and savings accounts. For weeks, I reported the numerous unauthorized charges and attempted charges from my account to the Sofi XXXX department. Each time, the Sofi representative assured me they were putting in measures to prevent the theft of my money. However, the thieves continued stealing money from my accounts. 

On XX/XX/year>, the thieves stole over {$2200.00} from my checking account and used the money to pay a XXXX credit card. I do not own a XXXX card and I do not share my bank information with anyone. Afterwards, Sofi closed my accounts and denied my claim for the {$2200.00}. I was confused by this because Sofi refunded the past thefts after investigating so they clearly know someone was stealing money from my accounts. The representatives actually saw the names of these thieves and asked me if I knew them. I told the rep I had never heard of these individuals. I am willing to do whatever is needed to prove I do not know these individuals and I have never given anyone authorization to withdraw funds from my bank account. 

It is not right that I am being punished by SoFi when people stole money from my accounts. I tried desperately to get Sofi to block these transactions but they never did. I do not know what information SoFi used when denying my dispute for the stolen funds. No one ever interviewed me as part of the decision to deny my claim. I have attached a PDF of some of the attempted unauthorized transactions which were declined due to me fortunately having insufficient funds. I am asking someone to PLEASE do an investigation of my stolen bank funds. I do not know these individuals who accessed my accounts and I can provide whatever is needed in order to show I did not authorize any transactions to a XXXX  credit card. I just want to be credited for the lost funds of {$2200.00}. I had reported the unauthorized transactions to Sofi numerous times, but the transactions to XXXX credit card were allowed to go thorough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
They never deleted it off my creditThey updated and marked as potentially negative on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am filing this complaint due to ongoing inaccurate credit reporting that has not been corrected despite multiple formal disputes submitted to the credit reporting agencies. This is my third dispute attempt. The inaccuracies remain, demonstrating a failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reported Issue : Late Payment This account is inaccurately reported. I did not make any late payments on this account. Reporting late payments that did not occur violates 15 U.S.C. 1681s-2 ( a ) and 1681e ( b ). The payment history is inaccurate and must be corrected to reflect a perfect, on-time payment history. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reported Issue : Late Payment This late payment reporting is inaccurate. I have never made a late payment on this account. Continuing to report incorrect payment history after dispute demonstrates a failure to ensure maximum possible accuracy under the Fair Credit Reporting Act. Immediate correction of the payment history is required. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Reported Issue : Late Payment This account is also being reported inaccurately. No late payments occurred. This information is false, misleading, and harmful. Under 15 U.S.C. 1681i, you are required to correct or delete unverifiable and inaccurate information. 
Despite multiple disputes, these errors remain on my credit report. My attempts to resolve these issues directly have been unsuccessful. I am requesting CFPB assistance to ensure compliance with federal law and to require correction or deletion of the inaccurate information listed above. 
I respectfully request that CFPB investigate this matter and require the credit reporting agencies and furnishers involved to fully comply with the Fair Credit Reporting Act.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL have violated my rights.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment of {$200.00} through Bank of America to an individual who presented as a representative of XXXX XXXX XXXX. The payment was made after interacting with the company through its commercial website, which offered goods for sale and explicitly instructed customers to submit payment using XXXX. 

The transaction was presented as a legitimate merchant purchase, not as a peer-to-peer transfer. The company provided XXXX payment details through live chat, confirmed the order would be processed after payment, and issued an order confirmation showing XXXX as the payment method. Based on these representations, I authorized the payment, believing I was purchasing goods from a legitimate business. 

After payment was sent, no goods were shipped, all communication from the company ceased, and a refund request was ignored. I acted promptly to contact the merchant and request cancellation and a refund when it became clear the order would not be fulfilled. 

I filed a fraud claim with Bank of America. I later submitted an appeal with extensive supporting documentation, including screenshots of the order confirmation, merchant communications, proof of payment, refund request, and independent third-party sources documenting a consistent pattern of similar consumer complaints involving this business. 

Bank of America denied the claim on the basis that the XXXX payment was authorized, without substantively addressing whether the authorization was obtained through material misrepresentation and deceptive inducement. I am submitting this complaint to request that Bank of America reevaluate the claim under consumer fraud protections applicable to payments authorized due to deception and provide reimbursement of {$200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX first contacted me on XX/XX/2XXXX XXXX around XXXX. At the conclusion of this phone call I requested that they not contact me while I was AT WORK due to not being allowed to receive personal phone calls. I am an airplane mechanic and these restrictions on personal phone calls are due to the safety nature of my job. XXXX called my workplace, not my personal number. I explicitly requested they not contact me during business hours. 

On XX/XX/2XXXX XXXX approx XXXX I was contacted by XXXX XXXX, from phone number ( XXXX ) XXXX while I was AT WORK, in direct contradiction to my request the month prior. After hanging up from the collection agent I immediately called the agency back, requested to speak with a supervisor and informed them that formal complaints against them with CFPB and the Nebraska XXXX XXXX would be submitted. 

This attempt to contact me during while AT WORK is in direct violated of the Fair Debt Collection Practices Act, and I request that action be taken against the collection agency.

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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Representative, I am writing to formally report an issue regarding a wire transfer initiated through my Bank of America account. 

On XX/XX/year> I submitted a wire transfer in the amount of {>= $1,000,000}, with confirmation that the funds would be sent on the same day. However, despite meeting all required cut-off times and providing accurate beneficiary information, the wire transfer was not sent as promised. 

This delay has caused inconvenience and potential financial impact. I respectfully request that this matter be immediately investigated, and that I receive : 1. Written confirmation of the current status of the wire transfer ; 2. The case/reference number for this investigation ; and 3. A clear explanation for the failure to process the transfer within the agreed same-day timeframe. 

If the wire transfer can not be completed, I request a prompt reversal and refund of any associated fees, as well as confirmation in writing. 

Please treat this request as urgent and provide a response as soon as possible.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing this complaint regarding the closure of my account with Fulton Bank based on alleged activity that did not occur by me. 

Fulton Bank closed my account due to transactions they attributed to me ; however, I was not responsible for this activity. This is my second attempt to resolve this matter and to have my name cleared so I can be removed from XXXX  and any other negative banking reports associated with this account. 

Fulton Bank owns and controls the ATM surveillance footage related to the transaction in question. I have requested that this evidence be thoroughly reviewed, as I am not visible on the ATM camera, and the individual shown is not me. This directly contradicts the accusation being made against me. 

I am a confirmed victim of identity theft. My personal information was compromised and used fraudulently without my knowledge or consent. I have filed a police report, XXXX  Number : XXXX, regarding this matter, and there is an active case against the individual responsible. 

Despite this, Fulton Bank has failed to properly correct the record. I do not like that I am being wrongly accused of activity that was not done by me, and this situation is damaging my reputation with other financial institutions. Continued negative reporting places an unfair and lasting mark on my banking history for a crime I did not commit. 

If Fulton Bank chooses not to reopen my account, I understand and accept that decision. However, I am formally requesting that : 1.The evidence be thoroughly reviewed 2.I be provided with copies of all documentation related to this investigation 3.I receive a copy of the ATM surveillance footage tied to the disputed transaction 4.All inaccurate reporting be removed from XXXX  and any other consumer reporting agencies If this matter is not resolved and the evidence is not properly reviewed, I will pursue legal action against Fulton Bank for being wrongly accused and for the ongoing financial harm caused by this situation. 

I am requesting immediate corrective action to ensure my record accurately reflects that this account closure resulted from fraud and identity theft, not misconduct on my part.

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 2025-12-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent Midland Credit Management a written Debt Validation Request pursuant to 15 U.S.C. 1692g via certified mail which was delivered on XX/XX/year> Midland Credit Management failed to provide proper validation of the alleged debt, including proof of ownership, chain of title, or a copy of the original agreement. 

Despite this, Midland continued collection activity, including [ calls/letters/credit reporting/lawsuit threat ] , which violates the Fair Debt Collection Practices Act.

Additionally, Midland has reported inaccurate information to credit reporting agencies without first validating the debt, potentially violating the Fair Credit Reporting Act.

I am requesting that Midland cease collection, remove any credit reporting, and provide written confirmation of compliance.

Company response to consumer: Closed with explanation