vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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:
I am submitting this complaint because my Experian credit report contains multiple errors that are inaccurate, misleading, and harmful to my credit profile. My credit file is showing XXXX addresses that are completely incorrect and not associated with me in any way XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These addresses are false and must be removed as they are not part of my verified personal information. 

In addition to the address errors, Experian is reporting false late payment information on XXXX accounts that have always been paid on time. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$65000.00}, * * and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$7600.00}. * * Both of these accounts are being reported with late payments that never occurred. I have never been delinquent on either of these accounts, and the reporting of late payments is inaccurate and in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires all information reported to be complete and accurate. 

My Experian report is also showing several unauthorized hard inquiries that I did not approve or initiate. These include 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. I never gave permission to these companies to access my credit report, and these inquiries were not connected to any credit application I made. Their presence on my file represents an unauthorized and unlawful use of my personal credit information. 

I have already disputed these inaccuracies directly with Experian, but no proper corrections or deletions have been made. The continued reporting of these false addresses, inaccurate payment histories, and unauthorized inquiries has damaged my creditworthiness and caused emotional and financial distress. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into this matter and ensure that Experian and the furnishers of this information comply with all provisions of the Fair Credit Reporting Act by deleting or correcting all inaccurate and unauthorized information immediately.

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 2025-11-06 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: WI

Complaint narrative:
I previously submitted formal disputes to XXXX XXXX and TransUnion regarding multiple inaccurate, unverifiable, and outdated entries appearing on my credit report. These include accounts reported by third-party debt collectors and debt buyers who failed to provide original contracts, itemized billing, or legal proof of debt ownership.

Despite the bureaus receiving detailed letters citing violations of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), many of these entries are still being reported. Some accounts show incorrect balances or dates, and others were not verified using original source documentation. My disputes have either been ignored or resolved with generic responses, not actual reinvestigation as required under federal law. 

In addition, there are outdated addresses, unauthorized hard inquiries, and personal contact details that I did not consent to being reported or shared. Under FCRA 604 ( a ), such inquiries must be verified and removed if not properly authorized.

Debt collectors and data furnishers must follow strict legal guidelines. The continued reporting of unverifiable or inaccurate information has caused me harm and is considered negligent and willful noncompliance under FCRA 616 and 617.

I am requesting the CFPB to investigate and enforce the removal of all unverifiable accounts, hard inquiries, and outdated personal information.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America keeps reporting inconsistent balances and false verifications. This violates FCRA 623 ( a ) ( 1 ) ( A ) & ( b ). Provide documented proof or delete immediately. 

Bank of America is reporting inaccurate and misleading information to the credit bureaus. This account was closed in 2021, yet they continue to report derogatory activity from XXXX as if the account were still active and accruing interest. That is factually incorrect and constitutes furnishing false information under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

Before the account was closed, my balance was approximately {$900.00}, but Bank of America withdrew about {$1000.00} and then closed the account. The payment history attached clearly shows continued reporting years after closure, which is illegal. 

I am requesting a full investigation, deletion of all inaccurate data, and proof of the original records from Bank of America showing the correct closing balance. 
BOA has always came back verified saying that I can not delete the account because it is the only good history that I have as they were blatantly dishonest : another verified dispute that they were dishonest about was that my account was negative ; what was left in my checking was {$1.00} or less, but not negative and my savings account had XXXX. 

I called them asking how Id get my money and they said that itll be mailed in a check and they mailed a check saying XXXX meaning they already took what I owed and still decided to report negatively on my credit report which violated my rights because they committed fraud.

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 2025-11-05 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-11-05 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I visited my sister on the XXXX day in XXXX and stayed at a local hotel overnight. I booked the hotel through an online third party vender. However, after I got back home, I found that the hotel double-charged my credit card for the staying. I already paid the third party vender, Agoda.com, {$170.00} for the night. The hotel charged me again of the {$170.00}. I have tried to dispute the charge with the credit card company, which is Citi Bank. But Citi bank said that the hotel had provided the service to me, so the charge was correct. I told them that I already paid the hotel through the XXXX. They just ignored me. The Citi Bank refused to resolve the problem and keeps charging interests and fees to my account.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am requesting that the CFPB reopen or reconsider my previously submitted complaint regarding the denial of my fraud claim by Self Financial Inc . In the companys response to my complaint, they asserted that the XXXX XXXX transaction in question was authorized because it contained my personal information and matched a XXXX reservation in my name. However, this conclusion is incorrect and based on a misunderstanding of key facts. While it is true that I did book a legitimate XXXX XXXX reservation earlier this year, that booking was made with a completely different credit card, not the card involved in this dispute. The fraudulent charge occurred separately and without my authorization. The presence of my personal information on the transaction reflects identity misuse, not consent or authorization. The credit card company has failed to distinguish between my legitimate purchase and the fraudulent transaction. Their investigation therefore did not properly address the core issue of unauthorized use as defined under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which places liability on the issuer unless they can demonstrate the cardholder personally authorized the transaction. I am again requesting that the CFPB ask the company to : Reopen and properly reinvestigate the disputed transaction with this clarification in mind ; Provide documented proof of authorization for the specific charge on the card in question ( such as payment method, device ID, or IP address used ) ; and Remove or credit back the fraudulent charge if they can not demonstrate I personally initiated or approved it. I have attached ( or will provide upon request ) a copy of the companys denial letter and evidence showing my legitimate XXXX XXXX  was booked using another card. Thank you for your assistance and for ensuring this matter receives a full and fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
My account with XXXX XXXX XXXX Was Close In XXXX  due to unauthorized fraud. Bank Dont have my Id on file or state

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 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SilverLake Financial LLC
State: NE

Complaint narrative:
It's a classic bait and switch where they offer you a pre approved offer for a loan but then switch to sell you debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect 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 2025-11-05 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I hope this letter finds you well. I am sending to formally dispute and request a investigation concerning XXXX XXXX XXXX accounts that are currently being reported on my credit file as charge-offs, even though both accounts now show {$0.00} balances : 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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Today XX/XX/year> my daughter and I walked into Navy Federal located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. We came to withdraw some funds that I put into her account by mistake. We approached a teller by the name of XXXX who seemed to have rXXXX XXXX XXXXs from the moment we walked up. My daughter was making her transaction and XXXX was typing away on her computer. XXXX transactions never take this long but due to the amount XXXX was visibly bothered and the fact that we are XXXX and withdrawing that amount had her on fire. Now my daughter is XXXX XXXX XXXX and has an account with Navy Federal as do I and out of nowhere XXXX says to me, I will need to see your ID as well. I explained to XXXX that I'm not here doing a transaction my daughter is, why do you need to see my ID. XXXX says that banking law states that when XXXX or more people come up to a teller that all people have to be identified. I am XXXX XXXX XXXX and have never heard such non sense. There is an IRS form that must be filled out when a transaction is over XXXX XXXX dollars. I know because I have had to fill that form out for our customers also, but there is only XXXX place for XXXX name on that form, not XXXX, so we where definitely being XXXX XXXX XXXXurthermore it takes XXXX to XXXX minutes to complete that form. XXXX had us there for XXXX minutes. She asked my daughter where she works, asked me for my Licence and debit card even though I am not doing any transaction. Asked me if I owned the company that my daughter works for. Asked us to verify our home address. XXXX was totally XXXX XXXX XXXX XXXX XXXX XXXXXXXX went right along with her. The XXXX came up and said yes banking law says that when XXXX or more people come to a teller that both parties need to be identified. In summation the branch on XXXX XXXX XXXX in XXXX racially profiled me and my daughter. Its disgusting, embarrasing and totally shameful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MS

Complaint narrative:
Everything is attach to the files and the email they said they sent about the mypay was never sent on the day they said it was

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
This letter serves as a formal objection to the referenced accounts. They were not created with my authorization and appear fraudulent. I respectfully request their removal and investigation. Evidence is enclosed.

Company response to consumer: Closed with explanation