vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT

Complaint narrative:
XXXXXXXX XXXX is a very simple, inconsistent, and unethical bank. I have deposited millions of dollars into the bank in the years of being a customer. During this time the bank has amazingly had problems with and charged massive fees for overdrafts. Interestingly the bank had no problem at XXXX time of extending over {$6000.00} in XXXX account and {$5000.00} in another account in overdraft extensions and then had a problem only after receiving a wire for {$600000.00} from me during a transaction. This bank is about as consistent as the decisions of a severe alcoholic having a XXXX. 

However, what does show consistency is the bank 's focus on anything that generates profits at the expense of customers, and at odds with regulations or anything that a customer could follow. The bank recently, after extending thousands previously and receiving close to XXXX XXXX within a year in deposits with me, had a problem with a $ XXXX overdraft which, interestingly, triggered an account closing only after I made issue with unauthorized charges that were made to my credit card and checking account that far exceeded the amount claimed to be in the negative here. It was for over {$7000.00}, and XXXXXXXX XXXX  immediately shut down the account, then took claims, and this was a calculated and financially motivated stunt done in bad faith. 

Note that XXXXXXXX XXXX  has had great workers and managers until a recent manager took over their XXXX, CT branch, whose actions, without coincidence, triggered this. There were no problems years prior to this recent development.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 2025-10-31 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit reports and found several accounts that are being reported incorrectly or inconsistently by their furnishers. Ive tried to resolve these matters directly through the credit bureaus, but the information continues to appear with factual errors that are hurting my credit. Im now asking for CFPBs help to make sure these furnishers and the bureaus follow the law and correct or remove whats inaccurate. 

XXXX XXXX ( Acct No. XXXX ) This account is being reported as a collection, but Ive never received proper validation or documentation proving that the account was actually charged off or sold. The balance has stayed at {$7500.00} for months with no payment activity or updates, and the dates opened and last reported differ across the XXXX credit bureaus. 

I requested verification through the bureaus under FCRA 611, but no documentation such as a signed agreement or payment history was provided. Under XXXX XXXX standards, data that can not be verified must be corrected or deleted. 

XXXX. XXXX XXXX ( Acct No. XXXX ) There are clear inconsistencies in how this account is being reported : Equifax shows a balance of {$9000.00}, Experian and TransUnion both show {$13000.00}. 
The account status also changes between collection and charge-off, and the reporting dates dont match. These are factual errors that violate both FCRA 611 ( a ) and XXXX XXXX data-furnishing requirements, which call for consistent and accurate information across all repositories. 

XXXX. XXXX XXXX ( Acct No. XXXX ) This account shows a {$12000.00} balance on Equifax and TransUnion, but {$0.00} on Experian. Theres no consistent payment history or documentation showing who currently owns this debt. It is still being reported as an active collection, even though no validation or supporting documents have been provided. Furnishing unverifiable information is a violation of FCRA 623 ( b ) and XXXX XXXX Section 6.2.

Ive done everything a consumer is supposed to do I disputed these accounts directly with the credit bureaus, I asked for documentation, and I gave each company time to respond. Instead of getting clear proof or corrections, the same inconsistent and inaccurate data continues to show up on my reports. 

This situation is unfair and misleading. It affects my creditworthiness and makes it look like I have active collections that may not even be valid. Im not asking for special treatment I just want my credit reports to reflect verified, accurate 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 2025-10-31 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: GA

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a chase business account 3 days ago, and today I tried to do an online transfer from my personal account to chase business, and their system is rejecting it, telling me I need to go to the bank in person to deposit or do a wire transfer. Had they told me that there would be delay before I could operationalize this account and/or that I would need to visit in person, I would have gone with a different bank. When I called customer service, they kept sending me from one line to another, and finally one customer service rep ( XXXX ) said that I should wait 35 days before trying online transfer. This is really disheartening, and I am not sure who in this 21st century would wait 35 days before trying an online transfer. Had they told me these info before opening their account, or in their website, I would not have opened the account. This is really wrong, I lost a few days in this process and now I need to start over with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Ive been going through this matter since XX/XX/year> and the result is still unresolved. I submitted a claim to Truist bank for XXXX plus transactions of unauthorized transactions for the amount of XXXX. After many times of going back and forth with both Truist and cash app where the money was sent and withdrawn from, I keep getting the same scripted response of that I authorized these transactions with no evidence shown. I keep getting after so much investigation that they found me responsible for the transactions. I wouldnt be fighting this hard for something I did. I want this company to take action for what was stolen from and to actually prove the evidence that claim I initiated these transactions. A bank is supposed to protect you not fight tooth and nail to say you did it and not help you or even prove evidence that I initiated these transactions. I have shown them the transactions from both their and the cashapp end with the last 4 digits of the card and institution the money was sent to. If that doesnt show my efforts I dont know what else does.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] XXXX Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
To Whom It May Concern : 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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$10000.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$420.00} Account name XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$18000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Charged-Off Accounts XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Balance : {$920.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Acct # : XXXX Date XXXX XX/XX/XXXX Balance : {$0.00} XXXX Acct # : XXXX Date XXXX XX/XX/XXXX Balance : {$160000.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$610.00} XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX dispute the accuracy and completeness of these accounts. Please verify directly with the creditors and remove any unverifiable accounts. 

Inquiries None currently disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current 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 2025-10-31 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:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current 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 explanation
Consumer complaint received 2025-10-31 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:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: TX

Complaint narrative:
Remove false information. Merchandise was voluntarily surrendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

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 non-monetary relief
Consumer complaint received 2025-10-31 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} Therefore, the following accounts must be deleted from my report 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 2025-10-31 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: GA

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2400.00} Therefore, the following accounts must be deleted from my report 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 2025-10-31 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: PA

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