vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure 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 2025-06-24 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX a transaction of XXXX was taken out of my account from XXXX. I contacted XXXX on XX/XX/XXXX to inquire why and where the order came from. They could not locate an order for that amount, offered me a XXXX credit and told me contact my financial institution. I contacted Regions and sent screenshots of my bank account as well as the XXXX order history proving that I had not placed an order on XX/XX/XXXX for that amount. I rewarded my money back. Over a month later, today XX/XX/XXXX, I saw that the bank took the money back stating that XXXX sent them a credit card authorization form which what every customer signs when they create an account with XXXX. Even with solid evidence that I did not place an order on XX/XX/XXXX, the bank is refusing to give me my money back.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Credit Report Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and I am requesting that the items listed below be corrected or removed. 

Disputed Item ( s ) : 1. US BANKRUPTCY XXXX This account should not be on my credit report. The above information is inaccurate. 
XXXX. XXXX XXXX Account number ending XXXX This account has been paid in full. Needs to be removed. 
XXXX. CHIMEFIN/XXXX XXXXXXXX Account number ending XXXX This account should not be on my credit due to not ever receiving any type of loans from this company. The above information is inaccurate. 

I request that you : Investigate these items as required by the FCRA. 
Notify me of the outcome of the investigation. 
Send me an updated copy of my credit report if changes are made. 
Inform any creditors or parties who received the inaccurate report in the last XXXX months. 

If you find that the items can not be verified, they must be deleted from my credit file as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccurate Credit Report Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and I am requesting that the items listed below be corrected or removed.

Disputed Item ( s ) : 1. US BANKRUPTCY XXXX This account should not be on my credit report. The above information is inaccurate. 
XXXX. Ed Financial Account number ending XXXX This account has been paid in full. Needs to be removed. 
XXXX XXXX XXXX Account number ending XXXX This account should not be on my credit due to not ever receiving any type of loans from this company. The above information is inaccurate. 

I request that you : Investigate these items as required by the FCRA. 
Notify me of the outcome of the investigation. 
Send me an updated copy of my credit report if changes are made. 
Inform any creditors or parties who received the inaccurate report in the last XXXX months. 

If you find that the items can not be verified, they must be deleted from my credit file as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: 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 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 2025-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CO

Complaint narrative:
Posted erroneous collection activity in XXXX  with both XXXX  and Experian that dropped my FICO Scores From HIGH XXXX 's to unscorable and XXXX at XXXX. Experian when disputed immediately to be removed from report but left score at unscorable. XXXX  left on report for a year despite XXXX Mailings of erroneous posting not presented for payment to medical insurers XXXX and waited until XXXX sent a letter to say payment never presented for payment.

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 2025-06-24 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX has been reporting a collection account since XXXX  with no evidence of ownership or original creditor details. I never received any validation of this debt, as required under FCRA 609 ( a ) and FDCPA 809 ( b ).

The amount reported has not changed, there has been no activity, and no proof has been provided. I dispute this account and request it be removed unless full validation is presented including original contracts, statements, and itemized breakdowns.

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 2025-06-24 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX has been reporting a collection account since XXXX  with no evidence of ownership or original creditor details. I never received any validation of this debt, as required under FCRA 609 ( a ) and FDCPA 809 ( b ).

The amount reported has not changed, there has been no activity, and no proof has been provided. I dispute this account and request it be removed unless full validation is presented including original contracts, statements, and itemized breakdowns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company 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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to make a significant purchase at the merchant XX/XX/XXXXusing my XXXXXX/XX/XXXX The transaction was declined four consecutive times at the point-of-sale terminal without any reason being provided.

The core of my complaint is the failure of the XXXX card 's fraud prevention system. I did not receive any notification ( via SMS, app, or email ) about a potential issue at the time of the transaction. A full 24 hours later, on XX/XX/XXXX, I finally received a series of notifications stating the transactions were blocked due to suspected fraud. 

A fraud alert system that operates on a 24-hour delay is not a security feature ; it is a system failure. It offered me no opportunity to approve the legitimate purchase in real-time, caused significant embarrassment at the store, and resulted in a direct financial loss in the form of credit card rewards. 

I attempted to resolve this issue directly with the company. I sent a detailed email to the CEO 's office on Monday, XX/XX/XXXX. After receiving no response, I sent a follow-up email on Friday, XX/XX/XXXX. As of today, XX/XX/XXXX, the company has failed to respond to either communication, forcing me to seek mediation through the CFPB. I also interacted with a customer service representative. ( Ticket # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
I am refiling this formal complaint against EXPERIAN for inaccurately reporting derogatory payment information on two mortgage-related accounts, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). The first account, XXXXXX/XX/XXXX ( Account No. XXXX ), opened on XX/XX/XXXX with a balance of {$200000.00}, is marked as open but falsely reflects a 30-day late payment for XX/XX/XXXX without any verifiable documentation to support such reporting. The second account, XXXX XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX and now closed, also incorrectly reflects a 30-day late payment for XX/XX/XXXX, which I dispute as inaccurate and unsupported. EXPERIAN has failed to provide any documented proof that these derogatory marks were reported in compliance with FCRA 1681e ( b ) and 1681i, and has not conducted a proper reinvestigation as required by law. I am requesting that these inaccurate late payment notations be permanently deleted from my EXPERIAN credit report and that EXPERIAN update both accounts to reflect a current and accurate payment history in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXX/XX/year> Receivable Management XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : CEASE AND DESIST DEMAND REGARDING CREDIT ACCOUNT NO. XXXX To Whom It May Concern : This letter serves as a formal demand that you cease and desist all collection activities and any reporting of inaccurate information regarding the alleged debt referenced above.

I am writing to inform you that I dispute the validity of this debt, as well as your right to report it to credit reporting agencies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby notified to stop all communication with me regarding this matter, except as permitted by law ( e.g., to inform me of legal action you intend to take ). 

Additionally, if you have reported this account to any credit bureau ( XXXX XXXX XXXX XXXX XXXX, you are instructed to immediately remove any inaccurate, unverifiable, or outdated information. Failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office.

Please provide written confirmation within 15 days of receiving this letter that you have ceased all collection and credit reporting activity related to this matter. Should you continue to ignore this notice, I reserve the right to take further legal action. 

Sincerely, 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 2025-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My grandmother was deceases in 2024. I filed for access to a savings account she made for me with my name on it in XX/XX/year>. Bank of America Estate Services mailed me a letter of instruction, account closure request form, and a VA affadavit form for collection of personal property, On XX/XX/XXXX, I went to the bank with the forms completed- address XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX and asked the bank to fax the forms. The bank told me thgey faxed them, but when I called about the status 2 weeks later, the forms were never faxed. 

I resubmitted the requested forms again on XX/XX/XXXX, and when I went to check my portal, they had disappeared off the portal submission, and support said again that I didn't submit the forms. Now I have submitted a third time as of XX/XX/XXXX and am being told to wait another XXXX weeks for review.

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