vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
I am filing this complaint against Equifax, Experian, and TransUnion for reporting multiple inaccurate, inconsistent, and outdated accounts on my credit reports, including XXXX XXXX with balances of {$1100.00} reported inconsistently between Experian ( last activity XX/XX/XXXX ) and TransUnion ( last activity XX/XX/XXXX ) while not appearing at all on Equifax ; XXXX  XXXX with balances of {$2200.00} reported with conflicting dates of last activity XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax, and XX/XX/XXXX on TransUnion ; XXXX XXXX reported on XX/XX/XXXX in both Experian and TransUnion ; XXXX XXXX XXXX inconsistently reported as XX/XX/XXXX and XX/XX/XXXX on Experian ; XXXX reported on XX/XX/XXXX on TransUnion ; and XXXX XXXX reported on XX/XX/XXXX on TransUnion. Additionally, Equifax is reporting an incorrect address at XXXX XXXX XXXX XXXX XXXX, GA XXXX. These errors violate multiple provisions of the FCRA, including 605 ( a ) for obsolete information, 607 ( b ) for the obligation to maintain accuracy, 611 for disputing inaccurate or unauthorized information, 623 ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) for reporting accurate dates of first delinquency and last activity, and 604 ( a ) for ensuring permissible purpose of all inquiries. Despite previous disputes, these inaccuracies remain unresolved, creating a materially misleading representation of my credit history and harming my ability to obtain credit, loans, and financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am filing this complaint against Equifax, Experian, and TransUnion for reporting multiple inaccurate, inconsistent, and outdated accounts on my credit reports, including XXXX XXXX with balances of {$1100.00} reported inconsistently between Experian ( last activity XX/XX/XXXX ) and TransUnion ( last activity XX/XX/XXXX ) while not appearing at all on Equifax ; XXXX  XXXX with balances of {$2200.00} reported with conflicting dates of last activity XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax, and XX/XX/XXXX on TransUnion ; XXXX XXXX reported on XX/XX/XXXX in both Experian and TransUnion ; XXXX XXXX XXXX inconsistently reported as XX/XX/XXXX and XX/XX/XXXX on Experian ; XXXX reported on XX/XX/XXXX on TransUnion ; and XXXX XXXX reported on XX/XX/XXXX on TransUnion. Additionally, Equifax is reporting an incorrect address at XXXX XXXX XXXX XXXX XXXX, GA XXXX. These errors violate multiple provisions of the FCRA, including 605 ( a ) for obsolete information, 607 ( b ) for the obligation to maintain accuracy, 611 for disputing inaccurate or unauthorized information, 623 ( a ) ( 1 ) ( A ) and ( a ) ( 5 ) for reporting accurate dates of first delinquency and last activity, and 604 ( a ) for ensuring permissible purpose of all inquiries. Despite previous disputes, these inaccuracies remain unresolved, creating a materially misleading representation of my credit history and harming my ability to obtain credit, loans, and financial services

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing this complaint as a follow-up and escalation to a prior CFPB complaint regarding a Wells Fargo impersonation scam involving phone number spoofing. Despite submitting a police report, FTC report, call documentation, and a detailed rebuttal, Wells Fargo denied reimbursement without adequately addressing the impersonation and deception involved. 

On XX/XX/year>, I received a call that appeared to come from Wells Fargo. The caller claimed to be Wells Fargo XXXX XXXX and stated my account was at risk. I was instructed to send {$1000.00} through XXXX to verify and secure my account and was explicitly told the funds would not actually be removed. 

This was a criminal impersonation scheme, not a voluntary payment. 



Why the banks response is inadequate Wells Fargo labeled the transaction as authorized solely because I completed the XXXX transfer, ignoring that : The transaction was initiated under deception and fraudulent inducement The caller used phone number spoofing to impersonate Wells Fargo I did not intend to send money to a third party The bank did not explain what investigative steps were taken beyond citing XXXX terms The response provided was a generic denial letter that did not meaningfully address impersonation fraud or how consent obtained through deception can be considered valid authorization. 



XXXX requested I am requesting : XXXX. CFPB escalation review due to inadequate investigation XXXX. A supervisory/executive review by Wells Fargo XXXX XXXX XXXX XXXX. Reconsideration of reimbursement for the {$1000.00} lost to fraud XXXX. Documentation of how Wells Fargo determined this was an authorized transfer despite impersonation and spoofing Supporting documentation Already submitted and available : Police report FTC XXXX report Wells Fargo denial letter XXXX transaction confirmation Call logs showing spoofed Wells Fargo number

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 2025-12-23 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of my XXXX account ending in XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$10000.00} and last payment on XX/XX/XXXX, which shows a XXXX late payment that does not fully reflect my actual payment history, ongoing billing inquiries, or payment application timing. The reported late payment fails to account for billing disputes protected under 15 U.S.C. 1666 and 1666a, which restrict creditors from reporting disputed information as delinquent during active investigations. Under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), credit reporting agencies and furnishers are required to ensure that all reported information is accurate, complete, and updated when corrections or clarifications are identified. Despite my efforts to dispute this information and provide documentation, the account continues to display an incomplete and misleading late payment, misrepresenting my financial responsibility and causing potential harm 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
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of my XXXX account ending in XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a reported balance of {$10000.00} and last payment on XX/XX/XXXX, which shows a XXXX late payment that does not fully reflect my actual payment history, ongoing billing inquiries, or payment application timing. The reported late payment fails to account for billing disputes protected under 15 U.S.C. 1666 and 1666a, which restrict creditors from reporting disputed information as delinquent during active investigations. Under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), credit reporting agencies and furnishers are required to ensure that all reported information is accurate, complete, and updated when corrections or clarifications are identified. Despite my efforts to dispute this information and provide documentation, the account continues to display an incomplete and misleading late payment, misrepresenting my financial responsibility and causing potential harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX  and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ''

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 2025-12-23 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: IL

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 2025-12-23 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: IL

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 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 2025-12-23 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:
I submitted an identity theft affidavit and supporting documents pursuant to FCRA 605B. By law, the bureau is required to block fraudulent information within 4 business days of receipt. They have willfully ignored this federal mandate and continue to report the fraudulent bankruptcy/account. In addition, under FCRA 611, they must conduct a lawful reinvestigation and provide the name, address, and phone number of every entity contacted for verification. They failed to provide this, meaning the reporting is unverifiable, inaccurate, and in violation of my rights. This is a clear and willful noncompliance with federal law, and I am demanding immediate deletion and regulatory enforcement action for these 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 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My newly opened Chase account is closed by Chase suddenly after 1 day. 

1. I just applied for a new account on XX/XX/year>. With the promotion event of Chase : XXXX : XXXX, I knew that I will be rewarded if I used the checking account as direct deposit and kept XXXX in the saving account. 

2. After I got the Chase account, I tried to transfer money from my own bank of American account with different ways : 1 ) XXXX, but I got XXXX $ daily limitation ; 2 ) applied for transferring money from XXXX of XXXX to Chase with chase mobile app, I also got XXXX $ daily limitation, so I tried XXXX XXXX 

All above actions I took is because of the promotion event of Chase : https : XXXX. So I tried to transfer money in to my newly opened saving account. Right now, the customer service of Chase told me : 1 ) My account has been closed by Chase without any further explanation.

2 ) I have been banned by Chase for ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
Although the account was paid in full, it continues to be reported with late payment remarks.

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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On, XX/XX/year> I applied for a Harbor Freight store credit card - Application # XXXX. The application was denied at the register. Thinking that the store clerk entered something incorrect, another application was made - # XXXX. The second application was also rejected. I was given a phone number to call the bank. After calling the number, the bank representative said that they were not able to explain the denial over the phone but would send a letter of explanation in the mail. Knowing that I have Excellent credit, I assume the store clerks must be inputting the information incorrectly so on XX/XX/year> I made another application attempt - # XXXX. This application was also denied. I spoke with the bank representative again, and was given the same response that the bank would explain via postal mail. On, XX/XX/year> I received a letter from Synchrony Bank that stated the reason for denial was, " Prior application submitted too recently. '' I promptly dispatched a certified letter to Synchrony Bank requesting further investigation because although there were multiple application completed, this does not explain why a person with Excellent Credit was denied on the first application. Synchrony Bank has yet to respond.

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 2025-12-23 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.

Complaint narrative:
I reviewed my Experian credit report dated XX/XX/XXXX and discovered several inaccuracies that negatively impact my credit profile. Specifically : XXXX Bank XXXX Account ( Account XXXX. XXXX ) The account displays persistent XXXX delinquency codes over multiple months, despite being maintained in good standing. These arrears notations are inaccurate and misleading. XXXX XXXX XXXX XXXX ( Account XXXX. XXXX ) This account was fully settled on XX/XX/XXXX, with a XXXX balance as of XX/XX/XXXX, but it still appears under active obligations instead of XXXX. Additionally, multiple credit and insurance quotation searches dated between XX/XX/XXXX and XX/XX/XXXX ( e.g., from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AA XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) appear as hard searches. These were generated by comparison websites and should be classified as quotation or soft searches that do not affect my XXXX XXXX. Despite providing accurate information and making payments as agreed, these reporting errors have significantly lowered my XXXX XXXX to XXXX ( Very Poor ) and have affected my ability to obtain fair credit terms.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently downloaded the app credit Karma and I got a notification today about a hard inquiry. I havent made any hard inquiries or applied for any loaner credit at all. Ive been paying my debt off, which caught me to surprise because I noticed there were several inquiries. I am not sure who Im supposed to report this to so Im leaving a message in this box, but this has been hurting my credit and its going to affect me and I dont know who is doing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OK

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

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 2025-12-23 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: GA

Complaint narrative:
I am NOT claiming identity theft. 

I am filing this complaint due to inaccurate, inconsistent, and unverifiable credit reporting in violation of the Fair Credit Reporting Act. 

Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ), my consumer file does not contain complete or accurate information. The following accounts are being reported with conflicting balances, statuses, payment histories, and dates across TransUnion, Experian, and Equifax : * XXXX XXXX XXXX XXXX * XXXX XXXX XXXX ( Original Creditors : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  ) * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I disputed these inaccuracies and requested a reasonable reinvestigation, but the errors remain. Further, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested a description of the procedures used to verify the information, which has not been properly provided.

Because these accounts can not be verified and contain contradictory information, continued reporting violates the FCRA. I request FTC review and enforcement, including correction or deletion of all inaccurate information.

Company response to consumer: Closed with explanation