vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I applied for mortgage assistance program through my lender on XX/XX/year>. I was told it would take 30 days by my lender to get a result. On XX/XX/year> I got letter saying my loan was being transferred on XX/XX/year>. On XX/XX/year> I got a letter saying my mortgage assistance was denied. This put me in a hardship and I have to apply with new loan and wait an additional 30 days. They also put a 30 days late payment on my credit report as soon as they denied my debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a verified victim of identity theft. I provided Wells Fargo and the major credit bureaus ( XXXX, XXXX, and XXXX  ) with : a complete FTC Identity Theft Report, a police report, and my government-issued identification. 

I also submitted a formal request for a 4-day identity theft block under FCRA 605B ( 15 U.S.C. 1681c-2 ).

Following these submissions, the fraudulent Wells Fargo credit card account was removed from my credit reports. However, after several months, the same account was reinserted without any notice or verification provided to me. I then disputed the item multiple times under FCRA 611 ( a ), but the account was repeatedly removed and later added back, showing an ongoing failure to comply with federal law. 

Despite being fully notified of the identity theft and receiving all required documentation, Wells Fargo continues to furnish inaccurate and fraudulent information to the credit bureaus. Their actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent information after valid identity theft documentation was submitted.

FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information. FCRA 611 ( a ) ( 5 ) ( B ) : Failur
e to provide written notice within five business days when previously deleted information was reinserted into my file.

FCRA 623 ( a ) ( 1 ) and ( a ) ( 6 ) : Furnishing information that Wells Fargo knewor should have knownwas inaccurate after receiving notice of identity theft and proof of my identity. 

These repeated violations demonstrate a clear disregard for federal law and consumer protection obligations. I never received any written notice regarding the reinsertion of this fraudulent account, and Wells Fargo has failed to comply with the requirements outlined under FCRA 611 and 623 ( a ).

As a result, my credit, personal reputation, and peace of mind have been significantly impacted.

Due to Wells Fargos continued negligence and repeated noncompliance, I am now preparing to pursue legal action in court under the Fair Credit Reporting Act and applicable state consumer protection laws if this issue is not fully corrected.

Requested Resolution Permanent deletion of the fraudulent Wells Fargo account from all credit bureau reports. 
Written confirmation from Wells Fargo and each credit bureau that the account has been permanently removed and will not be reinserted.

Assurance that Wells Fargo will comply with all obligations under FCRA 605B, 611, and 623 going forward. 
Appropriate compensation or remedies for the harm caused by Wells Fargos negligence and FCRA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
On XXXX, I applied for XXXX dollar loan to help pay for my bills and previous debts. I got approved right away. I was unable to log into my credit union because Upstart all of a sudden stop the access to be able to log into my bank account to receive the funds. They had two other options upload a voided check or bank statement which can take a few days. I have been upload my documents and I sent an email to customer services and they stated to use XXXX  clear my cookies and thats what I did, so I was unable to upload my documents, they also stated that I can send the information via the email and I send the 2 bank statements on XX/XX/year> and it was confirmed that they received the paperwork. My loan expired on XX/XX/year>. A few days after XX/XX/year> I reached out to Upstart via email again and they stated that if the rate expire I can apply again. When the loan explained on XX/XX/year> I went to apply again XXXX stated that I have to wait until 30 days. I called upstart and they are failing to give me a reason to open up my rate again if it was not my fault. They keep telling me to call back and Im not hearing anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the recent closure of my Citibank credit card account without prior notice or a clear explanation. 

I was surprised to find that my credit card had been deactivated. I have always maintained my account in good standing, making payments on time and adhering to all terms and conditions. To date, I have not received any communication from Citibank explaining the reason for this closure. 

This sudden action has caused me significant inconvenience and may negatively affect my credit score and financial planning. I respectfully request a detailed explanation of the reason for the account closure and that Citibank review the decision to determine if my account can be reinstated. 

I value my relationship with Citibank and hope this matter can be resolved promptly and fairly. Please acknowledge receipt of this complaint and provide a written response. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called multiple times to ask for a single current late fee waved bc it puts me at over limit even after making over the minimum payment. They said my account was not eligible and their policies change as needed per account. Before today I have never called to get fees waved but work has not been as busy as usual and they refused. I also let them know that the credit card act of 2009 required credit companies to have transparency with fees and since my minimum payment was XXXX  they should only be charging me the late fee of XXXX  and the minimum which would equal to a total of {$30.00} they said they can charge whatever fees up to XXXX as they see fit and that the credit card act of 2009 does not apply to them. Ive made a payment of {$20.00} which includes {$5.00} over the minimum required but they charged me {$35.00} and said they can charge {$40.00} if they want to. Capital one used to be a good credit card company but now that things are getting tough and ( theyre not losing any money ) seems like the tougher it is for their clients the more they want to get out of them this should not be legal thats why there are laws in place to protect the consumer as well as the company and Im extremely disappointed in the fact that they refuse to explain why they cant provide help or wave fees. Their website does not provide any clarity or transparency either

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
I am requesting that Experian reinvestigate the following items on my credit report. If the information can not be fully verified, I am requesting immediate correction or removal. 

CHARGED-OFF ACCOUNTS ( EX ) WEBBANK/FINGERHUT Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments may be inaccurately reported. Please verify or remove if not substantiated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I filed a complaint because of unauthorized charges that were made in my account that i was never alerted. I provided all the documents chime asked for whithin hours of filing the complaint, i have been waiting almost a month and when i contacted chime they said they had no updates. Chime is refusing to provide any sort of refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
Over 1 year ago I received a ding on my credit report stating I have unpaid medical bills for a hospital visit. I have full heath care coverage and pay all my deductibles. There was never a time I went to the doctor and not paid my part. I don't know of this debt and it wasn't mine. They have refused to remove and that should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
On XX/XX/year>, buyer falsely claimed a lost package ( Order XXXX XXXXXXXX, {$210.00} ) leading to a chargeback ( Transaction ID XXXX, {$290.00} total loss including {$52.00} UPS fee and {$20.00} chargeback fee ). On XX/XX/year>, submitted XXXX proof of delivery refusal ( Tracking # XXXX ) and buyers XXXX customs admission via XXXX XXXX, phone call, and Certified Mail # XXXX. XXXX denied review, upheld chargeback, and blocked appeal access. Request reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: KY

Complaint narrative:
I am requesting that TransUnion reinvestigate the following items on my credit report. If the information can not be verified with proper documentation, I am requesting immediate correction or removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments appear inaccurate or unverifiable. If they can not be substantiated, I request removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: DC

Complaint narrative:
I am filing this complaint because Equifax is reporting illegal and inaccurate information related to XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX 

This account was charged off and inactive since XXXX. However, Equifax is still reporting updated activity and Last Reported dates in XXXX, making it appear recent. This is false, misleading, and constitutes illegal re-aging in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ).

I previously disputed this account properly, in writing, and provided documentation. Equifax and the furnisher have failed to correct or delete the inaccurate information and continue to verify data that is clearly inconsistent and not supported by any legitimate records.

I am requesting CFPB intervention because Equifax and XXXX XXXX are : Reporting a charged-off account as if it is active/updated in XXXX Failing to conduct a reasonable reinvestigation under FCRA 611 Continuing to furnish and report information they know or should know is inaccurate.

I have attached : Copies of my dispute letters My updated credit reportsXXXX  screenshots showing Equifax reporting in XXXX Any responses from Equifax or XXXX XXXX I believe this is willful noncompliance under FCRA 616 and 617 and I am asking the CFPB to step in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: WA

Complaint narrative:
Statement : I am disputing the following items on my Equifax credit report. These accounts are reported inaccurately and require correction. 

CHARGED OFF 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief