vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I am filing a complaint against UNITED WHSLE MORT for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding an inaccurate tradeline on my credit report. Despite submitting a formal dispute and supporting documentation, the company has not conducted a reasonable reinvestigation, provided verification details, or corrected the disputed information. Their continued reporting of unverifiable data violates FCRA 1681s-2 ( b ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), causing harm to my credit. I request immediate deletion of the tradeline, full documentation of the verification process, and compensation for damages under FCRA XXXX and XXXXUNITED WHSLE MORT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I am sending this complaint to report inaccurate, unverifiable, and misleading information that continues to appear on my credit report. Despite multiple prior disputes filed directly with the credit reporting agencies, several accounts and inquiries remain that either do not belong to me, contain reporting inconsistencies, or have not been properly verified with supporting documentation. These errors have negatively affected my credit profile and overall financial standing. I am therefore requesting the assistance of the Consumer Financial Protection Bureau ( CFPB ) in ensuring that the credit bureaus and data furnishers comply fully with the Fair Credit Reporting Act ( FCRA ) particularly their obligations to maintain accuracy, investigate disputed information, and correct or remove unverifiable data. 
: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
I am submitting this XXXX follow-up complaint to formally dispute and request the immediate removal of the following account appearing on my credit report : XXXX XXXX XXXX Balance Owed : {$32000.00} This account was not opened or authorized by me, and its reporting is inaccurate, misleading, and damaging to my credit profile. I have previously disputed this entry, yet it remains on my report, negatively affecting my creditworthiness.Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute any information that is inaccurate, fraudulent, or unverifiable, and the credit bureaus are obligated to conduct a reasonable reinvestigation within 30 days. Any information that can not be verified must be permanently removed.

Furthermore, FCRA 605B ( 15 U.S.C. 1681c-2 ) requires the blocking of fraudulent information resulting from identity theft. FCRA 607 ( b ) mandates credit bureaus to maintain maximum possible accuracy, and 623 ( a ) ( 2 ) obligates furnishers to promptly correct or delete inaccurate data once a dispute is filed. 
The continued reporting of this unauthorized account constitutes a violation of these provisions, and the ongoing presence of this entry is damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
I am submitting this XXXX follow-up complaint to formally dispute and request the immediate removal of the following account appearing on my credit report : XXXX XXXX XXXX Balance Owed : {$32000.00} This account was not opened or authorized by me, and its reporting is inaccurate, misleading, and damaging to my credit profile. I have previously disputed this entry, yet it remains on my report, negatively affecting my creditworthiness.Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute any information that is inaccurate, fraudulent, or unverifiable, and the credit bureaus are obligated to conduct a reasonable reinvestigation within 30 days. Any information that can not be verified must be permanently removed.

Furthermore, FCRA 605B ( 15 U.S.C. 1681c-2 ) requires the blocking of fraudulent information resulting from identity theft. FCRA 607 ( b ) mandates credit bureaus to maintain maximum possible accuracy, and 623 ( a ) ( 2 ) obligates furnishers to promptly correct or delete inaccurate data once a dispute is filed. 
The continued reporting of this unauthorized account constitutes a violation of these provisions, and the ongoing presence of this entry is damaging my credit profile.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a Citibank checking account. A direct deposit in the amount of {$2000.00} was arranged and sent to this new checking account soon after the opening. Citi soon closed my account, without ever refunding the money. I contacted their customer service a few months back, they acknowledged the {$2000.00}, and said they'll return the money with a check ; but that never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: KS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
i have applieda and got approved for a Discover XXXX credit card and now i cant seem to use it and i had a balance transfer that i had requested from another credit card which now on hold because i cant seem to use the Discover card.i need the card active and usable i dont want to pay a ridiculous APR on my XXXX XXXX XXXXXXXX XXXX thats why im trying to transfer the balance and close that card.i demand that Discover bank open the credit line for me to use .i have also added my son as an authorised user to help him with his credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 am submitting this as my XXXX follow-up complaint regarding multiple unauthorized credit inquiries that continue to appear on my credit report despite my repeated written disputes and requests for correction. I have previously contacted your agency multiple times, yet these inquiries remain unresolved, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) .Upon reviewing my recent credit file, I identified the following inquiries, which were not initiated, authorized, or consented to by me : XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX / XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) I have no record of any credit applications, accounts, or authorizations with these entities that would justify a permissible purpose for obtaining my credit file. Under FCRA 604 ( a ), a consumer report may only be accessed for a legitimate, consumer-initiated purpose. FCRA 604 ( f ) further prohibits any entity from obtaining or using a report without such authorization, and FCRA 619 ( 15 U.S.C. 1681q ) makes it a federal offense to obtain a report under false pretenses.Despite my consistent follow-ups, these inquiries have not been removed, nor have I received proof of any permissible purpose. This repeated failure to correct and verify disputed items constitutes negligence and noncompliance under FCRA 611 ( 15 U.S.C. 1681i ), which requires a complete reinvestigation and response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IN

Complaint narrative:
I am submitting this 5th expedited follow-up complaint regarding multiple inaccurate, unverifiable, and misleading accounts appearing on my credit report. Despite prior disputes, these items remain unresolved, continue to harm my creditworthiness, and misrepresent my true financial standing. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for proper reinvestigation and permanent deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$510.00} ( Late Closed ) XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$500.00} ( Charged Off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00} ( Charged Off ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ( Charged Off ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} ( Collection ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  Balance Owed : {$2500.00} ( Collection ) FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : Requires prompt, reasonable reinvestigation of disputed information. Multiple disputes on these accounts remain unresolved.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must maintain maximum possible accuracy. Reporting unverified or misleading information violates this standard.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Obligates furnishers to report accurate information and correct errors once notified.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Grants the right to permanent blocking of inaccurate or unverifiable information, including items resulting from identity theft or misreporting.

FCRA 609 ( a ) ( 15 U.S.C. 1681g ) : I am entitled to disclosure of sources and documentation verifying all reported accounts.

FCRA 616617 ( 15 U.S.C. 1681no ) : Allows for action if a bureau willfully or negligently reports inaccurate information.

FDCPA 807 ( 15 U.S.C. 1692e ) : Prohibits false, deceptive, or misleading representations in connection with debt collection.

FDCPA 809 ( 15 U.S.C. 1692g ) : Requires validation of debt upon request. These collection accounts remain unverified, violating federal law.

Despite my good-faith efforts to resolve these disputes, the inaccurate reporting persists. I therefore demand permanent deletion of all accounts listed above. Continuing to report unverifiable information violates my consumer rights and exposes the bureaus and furnishers to legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I closed my account due to unfair practices and the ruining of my credit. They garnished my paychecks for a negative balnce that was being disputed. Its been over 2 months and I keep getting the run around about my closure check. I have yet to received it. The wrong apartment number and have to update despite of me requesting the update over and over again. The put my calls on mute for hours. The are super rude. I have began to record these conversations due to these actions from their call center. I have no clue about what else to do.

Company response to consumer: Closed with explanation