vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife contacted a person on a XXXX  group claiming to sell blue tongue skinks. He provided my wife will care instructions, delivery instructions etc. He was able to scam her into paying with " friends and family '' on XXXX XXXX  ( my wife not knowing what that meant. ) He provided a delivery company ( XXXX XXXX XXXX XXXX  ) with a tracking number. My wife sent payments of {$100.00}, {$150.00}, {$210.00}, and {$130.00}. Two for the animal, one for delivery, and one for insurance. It was set to deliver XX/XX/year> and never came after several attempts to locate. After my wife confronted they deleted all correspondence. Luckily my wife saved all of the conversations. We contacted XXXX XXXX first but they said they couldnt help and then contacted Wells Fargo for help. Both keep pointing at each other and Wells Fargo denied our claim ( due to my wife paying through friends and family ) which she was scammed into doing. We would like to be reimbursed from the scam. XXXX XXXX should NOT have this feature to protect its customers and Wells Fargo for not even entertaining looking at all of our proof we have. They are supposed to protect their customers from this sort of thing.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I cant open account its crazy what I got go through to open one account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MT

Complaint narrative:
I completed a medical bankruptcy in XX/XX/year>. The court had ordered a forbearance during my payment period. Once it ended I requested that the forbearance stop and to go back onto my XXXX plan. I have requested this multiple times in the last 11 months. Mohela has ignored every single XXXX request I have sent in ( make no mistake I have never marked " lowest payment, PAYE, or SAVE '' and I have also always checked " yes '' for automatic IRS reporting of income so let 's get those excuses right off the table ) .They have ignored every message and every piece of documentation I have provided. I have called XXXX  times a week for the last XXXX  months. I get a regular representative in the first XXXX  minutes of each phone call. Every single time I am told that I need to speak with an " advanced representative. '' Each time I am transferred to said advanced representative I hold for XXXX hours or more with XXXX response. I have screenshots. I have requested callbacks and NEVER get a callback. I have filed a complaint with the XXXX Department of Education, with no response there either. Just what exactly do I need to do to get this resolved? Get a lawyer and sue because some horrible company refuses to process paperwork or answer the phone? Come on. I am expected to be a responsible adult, why should I expect any different from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: NJ

Complaint narrative:
Balance XXXX Date opened XX/XX/year> This was sent to a debt collection agency and has appeared on my credit. I did not sign up for this or ever attend a program at US career institute. I believe this is a result of the equifax data breach.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA CLOSED MY ACCOUNT AND MY CLAIM. I HAVE BEEN A BUSINESS CUSTOMER FOR YEARS AND ALL THEY DID WAS BE XXXX  AND XXXX TO ME.MY CLAIM NUMBER WITH THE BANK IS XXXX DATE OF CHARGE XX/XX/year> AMOUNT {$6200.00} MERCHANT XXXX. MY ACCOUNT ENDED IN XXXX MADE A PURCHASE FROM XXXX WHICH WAS RETURNED USING UPS TRACKING XXXX DELIVERED ON XX/XX/year> SIGNED FOR BY ART EMPLOYEE OF XXXX XXXX XXXX I TRIED RESOLVING THE ISSUE WITH THE MERCHANT FOR WEEKS WHEN I SAW IT DID NOT WORK I OPENED A CLAIM WITH MY BANK, THINKING THEY WILL HELP SICNE I AM A CUSTOMER FOR YEARS. THEY DID NOT HELP ALL THEY DID WAS BE RUDE AND XXXX DUE TO. MY LAST NAME. I WAS VERY HURT AND DISAPPOINTED THAT AS A BUSINESS CUSTOMER OF YEARS I WOULD BE TREATED THIS WAY. DID NOT HELP CLOSED MY ACCOUNT AND MY CLAIM. I REFUSE TO PAY FOR ITEMS THAT WERE RETURNED AND PROOF OF RETURN WAS GIVEN TO BANK OF AMERICA. THEY KEPT RTHE ITEMS AND MY MONEY ADN INSTEAD OF HELPING ME THEY DID THIS. I REFUSE TO RELAX AND LET THIS SLIDE. I WANT MY FUNDS BACK IN A FORM OF A CHECK FROM BANK OF AMERICA, THEY CAN KEEP THE ACCOUNT I WOULD NEVER BANK WOTH A XXXX BANK LIKE THEM. I WILL ALSO LET THE NEW CHANNELS KNOW ABOUT THE RACISM AND RUDENESS THEY HAVE BEEN GIVING ME. ALL PROOF OF RETURN AND RETURN POLICY OF THE MERCHANT WAS ATTACHED, BUT THEY REFUSED TO HELP ME INSTEAD TREATED ME AWFUL, CLOSED MY ACCOUNT AND MY CLAIM. ITEMS PURCHASED WERE FINE BUT THEY DID NOT FIT. SO IT HAD TO BE RETURNED

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 2025-09-08 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: VA

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 FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 2025-09-08 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: CT

Complaint narrative:
I reviewed my credit reports from all three credit bureaus and found multiple accounts and collections being reported inaccurately, inconsistently, or without proper verification. Several charge-off accounts, including credit cards and auto loans, continue to show inflated balances, duplicate reporting, or contradictory statuses such as being closed and transferred while still reflecting past due balances. These accounts include reports from around XXXX  through XXXX, with balances ranging from approximately {$450.00} up to over {$13000.00}. In addition, certain collection agencies are reporting debts purchased from original creditors without providing any validation of ownership, and in some cases the same debt is being reported more than once by different collectors. There are also late payments listed that conflict with the payment history of the account, which is misleading and unlawful under the Fair Credit Reporting Act. Finally, multiple hard inquiries from XXXX and XXXX are being reported that I did not authorize, which has caused further damage to my credit score. I previously disputed these items, yet they remain on my report, showing that no proper reinvestigation has been completed. These inaccurate and unverifiable accounts and inquiries are harming my credit profile and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CT

Complaint narrative:
I reviewed my credit reports from all three credit bureaus and found multiple accounts and collections being reported inaccurately, inconsistently, or without proper verification. Several charge-off accounts, including credit cards and auto loans, continue to show inflated balances, duplicate reporting, or contradictory statuses such as being closed and transferred while still reflecting past due balances. These accounts include reports from around XXXX  through XXXX, with balances ranging from approximately {$450.00} up to over {$13000.00}. In addition, certain collection agencies are reporting debts purchased from original creditors without providing any validation of ownership, and in some cases the same debt is being reported more than once by different collectors. There are also late payments listed that conflict with the payment history of the account, which is misleading and unlawful under the Fair Credit Reporting Act. Finally, multiple hard inquiries from XXXX and XXXX are being reported that I did not authorize, which has caused further damage to my credit score. I previously disputed these items, yet they remain on my report, showing that no proper reinvestigation has been completed. These inaccurate and unverifiable accounts and inquiries are harming my credit profile and must be removed.

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 2025-09-08 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: T.S. Holdings
State: TX

Complaint narrative:
Consumer Complaint Against XXXX XXXX XXXX XXXX XXXX I am filing this complaint against XXXX XXXX XXXX XXXX  regarding the unlawful reporting of an account furnished by IQ Data XXXX XXXX XXXX on behalf of the original creditor XXXX XXXX XXXX. 

Background and History of Disputes 1.I have submitted nine ( 9 ) rounds of disputes to XXXX  concerning this account.

2.The account in question is related to a former rental/lease property and was originally furnished by IQ Data XXXX. 
3.After repeated disputes, XXXX permanently deleted this account when IQ Data XXXX failed to provide documentation as required by law under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
4.Despite its deletion from XXXX, IQ Data XXXX illegally re-reported this account to XXXX  as if it were valid, with a Date Opened/Date Reported showing as XX/XX/year>. 

Legal Violations This account is being reported in violation of multiple consumer protection laws : FCRA 602 & 607 ( 15 U.S.C. 1681, 1681e ) XXXX  is required to ensure maximum possible accuracy of consumer information. Reporting an account that has been deleted by another bureau due to lack of verification fails this standard. 
FCRA 611 ( 15 U.S.C. 1681i ) XXXX  must conduct a reasonable reinvestigation when a consumer disputes an account. Nine disputes with no proper validation show XXXX has not conducted a lawful reinvestigation. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers such as IQ Data XXXX are prohibited from reporting inaccurate or unverifiable information. Re-aging an account to a recent date and furnishing it to XXXX  violates this provision. 
FCRA 605 ( a ) ( 15 U.S.C. 1681c ) The re-aging of this account is illegal. The account was given a new reported date to make it appear current, extending the time it can remain on my credit file, which is strictly prohibited.

FDCPA 807 ( 15 U.S.C. 1692e ) IQ Data XXXX engaged in deceptive practices by re-submitting the account after deletion and misrepresenting its status. 

Relief Requested I am requesting that the Consumer Financial Protection Bureau direct XXXX to : 1.Immediately delete this account from my credit report.

2.Investigate XXXX  failure to conduct a proper reinvestigation after nine disputes.

3.Investigate IQ Data XXXX  unlawful furnishing and re-aging practices.

4.Confirm that this account will not be reinserted unless all requirements under FCRA 611 ( a ) ( 5 ) ( B ) are met, including written certification of accuracy and prompt notice to me. 

Conclusion XXXX  is knowingly reporting inaccurate and unlawfully re-aged information in violation of federal law. I request the CFPBs intervention to enforce my rights under the FCRA and FDCPA and to require XXXX  to permanently delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

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