vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed an inaccurately reported XXXX XXXX XXXX with all three major credit bureaus. I provided written proof from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX North Carolina ) confirming that the court does not furnish or verify bankruptcy data to any consumer reporting agency. Despite this, the bankruptcy remained on my report, and I received generic responses with no reference to the courts statement. This has severely damaged my credit, prevented me from securing basic resources like food and transportation, and caused extreme emotional distress. 

I also sent Final Demand Letters with supporting documentation, and Ive filed complaints with the CFPB. Still, the CRAs have refused to remove the entry or acknowledge the verifiable proof I submitted. 

This inaccurate reporting has caused medically documented harm including XXXX XXXX XXXX XXXXXXXX, and loss of wages. It has affected my ability to work, pay for medication, and live safely and independently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax XXXX XXXX EQUIFAX. for serious violations of the Fair Credit Reporting Act ( FCRA ), U.S. Code, and CFPB privacy rules.

Summary of Issue : EQUIFAX is reporting unauthorized and inaccurate accounts on my credit report. These accounts : Do not match my identity, address, or phone number Are unverifiable and unresponsive to dispute attempts Remain on file despite prior formal disputes submitted by certified mail Violations Cited : FCRA ( XXXX U.S.C. ) Violations : 1681e ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) Failure to reinvestigate disputed items 1681s-2 ( b ) Failure to delete unverifiable information 1681g Failure to provide full disclosure of file 1681c Reporting obsolete or incorrect info 1681n / 1681o Civil liability for willful/negligent noncompliance 1681b Reporting without permissible purpose CFPB Privacy & Data Handling Violations : Regulation P ( 12 CFR Part 1016 ) Mishandling of non-public personal information GLBA Privacy Rule Inadequate safeguards to prevent identity misuse Failure to maintain data integrity and dispute protocols as required by CFPB I XXXX XXXXXXXX am demanding the immediate removal of these accounts, as they are : Not tied to me by any legitimate or verifiable means and are illegal accounts according to the FCRA Reported in direct violation of consumer rights and in violation with FCRA LAWS Impacting my financial wellbeing and creditworthiness which

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am writing to formally report that there is information on my consumer report resulting from identity theft. I did not provide written permission or instructions for these transactions to be included in my report. Therefore, I am requesting that this information be blocked and deleted. My request is not made in error, nor is it based on any material misrepresentation of facts. The identified transactions are unrelated to any activity conducted by me as the consumer. 

For the record, I am not a corporation ; I am a consumer reporting identity theft. Please be advised that this is my XXXX attempt at reporting that I am a victim of identity fraud. You continue to send frivolous letters saying Im a credit repair business or something. 
You have violated my federally protected consumer rights. Here is a list of violations : XXXX XXXX Acct # XXXX. Amount- {$610.00} date opened XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amount- {$1200.00}. Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX. Amount- {$2300.00}. Date opened : XX/XX/XXXX XXXX. Account # XXXX. Amount- {$2500.00}. Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Well, I openned my account with Bank of America in XXXX as I was on a XXXX summer work and travel program where I could work during the season. That year there was suspicious activity in my account and I told the bank so they sent me a new debit card and that was ok as I was in the XXXX. In XXXX I travelled again, no problems at all, I was able to use my account being in XXXX logging in with the access code sent to my email address. A few days ago, on Sunday ( XX/XX/XXXX ) I received again an email saying there was suspicious activity in my account, I tapped " no '' as it was me and sent me to my bank mobile app but I was not able to login as the email option was gone ( only the XXXX number option but I'm in XXXX so I didn't have that number anymore ), since that day I've tried to login XXXX times but I haven't been able to login, by account was locked, my card, everything so all my savings are now blocked as they didn't give any other options, I do have my email, I remember all the security questions, I know all the info I gave opening my account but they didn't give me any other option to get back my account, so the only option they tell me is going to the XXXX, which I'm not sure to be able as I'm based in XXXX. I have only had the option to call, I have done it like XXXX times since Sunday and I never receive more information, also they tell me they can't see what is going on in my account since it is locked. All the emails I got were in XXXX ( all my alerts are set in my language ) and I sent the to XXXX which is the email designed for phishing and scamming. I'm just waiting what happens so I that case I have or not to travel to the XXXX that as I said I'm waiting for a better option than spending almost {$400.00} on a ticket as I'm going to get back my savings. I would highly appreciate if at least they don't want to re activate my account they could close it an give me a check or another option to keep my money safe.

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 2025-07-24 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: FL

Complaint narrative:
I am formally filing a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

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 2025-07-24 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: TX

Complaint narrative:
I am a victim of identity theft. My credit report contains accounts and inquiries I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these items. Enclosed are a list of the disputed entries and my FTC Identity Theft Report. 

Please confirm once the corrections are made.

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 2025-07-24 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: IL

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CT

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-07-24 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: AZ

Complaint narrative:
After reviewing my credit report I notice a fraudulent account on my credit report. I attached a identity theft report to this dispute.

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 2025-07-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony Bank just closed all of my credit cards with them, this has happened before with no warning and no reason given approx 3 years ago. I have no late/missed payments and good credit history. I want to file a complaint against synchrony as my credit score will take a hit over this and express my dissatisfaction with my experience with the bank.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the XXXX XXXX  Code ( U.S.C ). 
According to my credit report dated ( XX/XX/XXXX ), there is a late payment entry listed for [ {$500.00} ] on [ XX/XX/XXXX ]. However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies.

I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment.

2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments.

I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA.

Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Wakefield and Associates claims I owe a total of {$1100.00} on a medical debt to XXXX XXXX ; however, I have made payments totaling {$840.00} that have not been credited to the account. I have sent validation of these payments via email twice to XXXX ( XX/XX/XXXX and XX/XX/XXXX ) with no communication regarding receipt of this proof and a modification of the debt. With each communication, I asked for proof of the payment breakdown. They have not responded to any communication, either in writing or via email. In XX/XX/XXXX, they then reported the incorrect balance to the XXXX credit bureaus. I sent a certified letter on XX/XX/XXXX requesting the balance breakdown and have yet to have any communication from the company regarding my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request for my personal information to be updated because the information on file is incorrect and it was failure to do so now the information on my credit report, its not mine and I would like it to be update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After reviewing my credit report a noticed a fraudulent account in my credit report, please investigate this account and remove this from my credit report as it affect my ability to obtain credit.

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 2025-07-24 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: OH

Complaint narrative:
After reviewing my credit report a noticed a fraudulent account in my credit report, please investigate this account and remove this from my credit report as it affect my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I purchased a {$5800.00} business class flight to XXXX on XX/XX/year>, using my American Express card. Due to escalating geopolitical unrest and safety concerns in the XXXX XXXX ( my transit route ), I canceled the trip before traveling. 

American Express refunded only {$4300.00} but withheld approximately {$1500.00} without a valid explanation. The original charge no longer appears on my account, making it difficult to track. I submitted a formal dispute through the Amex app, but my appeal was denied. 

I did not travel or receive any part of the service and am seeking assistance to recover the withheld funds. I believe American Express has not honored their cardholder protection policies regarding this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks has been detrimental to my life and health.

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 2025-07-24 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: MI

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks has been detrimental to my life and health.

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 2025-07-24 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: FL

Complaint narrative:
I am formally filing a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
My loans are closed with a XXXX balance but still showing on my credit reports as open with a XXXX balance. They were closed in 2023 and should not be on my report anymore.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
They send you a check to cash. I scanned with my bank for XXXX deposit. 
But my bank never accepted the check, ,though on there end they said I did. I contacted many times saying I never received the loan.

Company response to consumer: Closed with explanation