vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Bank decided not to renew a Heloc product based on some internal review XX/XX/year>. Demanding to be repaid for an approximate $ XXXX balance due. My credit score had recently plummeted due to an unfortunate incident. I had NEVER missed a payment to this bank. The loan was current at the time. I have a 5+ year history with this bank.

While attempting to find alternative lenders, the XXXX XXXXXXXX repeatedly " forgot '' to not report correctly to the 3 credit bureaus. After multiple contacts - bank President repeated claim this false reporting would be corrected. Nothing as been done to correct this error. The 90 day late on a mortgage product devastates a persons FICO score. None of this needed to happen. This error in at the complete fault of XXXX XXXX at XXXX  XXXX. I am demanding this Bank to correct false reporting. 

Not sure if I need to download all the email correspondence with XXXX XXXXXXXX XXXX XXXX XXXXXXXX, but I have all of it if need be.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Central Research Inc
State: NJ

Complaint narrative:
this was included in my bankruptcy and its suppose to be discharged the account was transferred over from XXXX XXXX into this one my discharges for my bankruptcy was cleared with it in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT.

This letter constitutes a formal Notice of Dispute pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 regarding inaccurate and inconsistent information appearing on my consumer report. 

Creditor : JPMCB Auto Finance ( Chase Auto ) Account Number ( masked as reported ) : XXXXXXXX XXXX XXXX Alternate masking shown on XXXX  : XXXX XXXXXXXX Account Type : Auto Loan Date Opened : XX/XX/year> I am disputing the reporting of a late payment on the above-referenced account. 



The alleged late payment is not reported consistently across consumer reporting agencies. One consumer reporting agency reflects a late payment for the same account and same reporting period, while one or more other agencies report the account as paid as agreed or current. This inconsistency demonstrates that the information can not be verified as accurate.

If the late payment were accurate, it would be reported identically across all consumer reporting agencies, as the underlying account data would be the same. Because this is not the case, the information being reported is inaccurate, incomplete, misleading, and unverifiable.

The reporting of materially inconsistent payment history violates the requirement to follow reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and triggers your reinvestigation duties under 15 U.S.C. 1681i ( a ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of this disputed information and delete or correct any information that can not be verified as accurate.

If this account is verified, you are required to notify the furnisher of the dispute pursuant to 15 U.S.C. 1681s-2 ( b ) and ensure that the furnisher conducts a lawful and reasonable investigation.

Courts have recognized that inconsistent reporting across consumer reporting agencies is evidence of unreasonable procedures and inadequate reinvestigation, including but not limited to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 



Accordingly, I demand deletion of the inaccurately reported late payment. In the alternative, I demand written documentation demonstrating how the late payment was verified with competent and substantive evidence. Automated or conclusory verification responses are insufficient under the Fair Credit Reporting Act.

Please note that I am maintaining records of this dispute. Failure to comply with your statutory obligations may result in available remedies under 15 U.S.C. 1681n and 1681o along with taking one through arbitration.

This letter is a lawful dispute and a demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute multiple fraudulent and inaccurate entries on my credit report these accounts do not belong to me, were not authorized by me and continued reporting represents a direct violation of my rights under the fair c reporting act ( FCRA ) and the consumer financial protection act ( CFPA )

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Kovo
State: MD

Complaint narrative:
They said i sign with them to build my credit score but i have never sign with them and ask them to take there report from my credit report, i dont have anything to do with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute multiple fraudulent and inaccurate entries on my credit report. these accounts do not belong to me, were not authorized by me and continued reporting represents a direct violation of my rights under the fair C reporting act ( FCRA ) and the consumer financial protection act ( CFPA )

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 2025-12-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have attached my FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Experian.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Through the cashapp fraudulent charges were made on my account. I tried to make a complaint but all I got was chatbot. The XXXX charges were charged to my checking account. XXXX charge for XXXX, XXXX and XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ascent funding went from this name to ascent funding XXXX had a creditor third party simmscollection company constantly calling harassment calling five times a day telling calls are recorded and refusing to listen to me after I refused to give them my personal information saying I had a debt I never should had and never confirmed the credit bureaus stop taking my disputes completely Im constantly putting consumer XXXX they constantly report negative late payments while it was in dispute constantly hurting my credit I asked the credit bureaus to please do a proper investigation and remove this negative payments and they will see this is not my debt it is co-sign by XXXX XXXX somebody I never knew I had contacted the bureaus by phone email and also the company and third party company Im asking to please do you all job and remove this account and its negative payments do a proper investigation stop breaking cfpb federal laws and do a proper real investigation and you will see this is fraud and need to be removed from my reports immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
The information on my credit reports are incorrect. This is hurting me from obtaining credit and providing for myself. These accounts need to be removed and deleted from my credit report. Under laws 15 U.S. Code 1692d- Harassment and abuse, 15 U.S. Code 1692e- False or Misleading representations, 15 U.S. Code 1692f- Unfair Practices, and 15 U.S.C. 1681, these accounts and misinformation should be removed promptly. I was notified that my personal information was compromised due to a data breach by Equifax.

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 2025-12-15 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: LA

Complaint narrative:
The information on my credit reports are incorrect. This is hurting me from obtaining credit and providing for myself. These accounts need to be removed and deleted from my credit report. Under laws 15 U.S. Code 1692d- Harassment and abuse, 15 U.S. Code 1692e- False or Misleading representations, 15 U.S. Code 1692f- Unfair Practices, and 15 U.S.C. 1681, these accounts and misinformation should be removed promptly. I was notified that my personal information was compromised due to a data breach by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
This Item for {$1200.00} was purchased by a third -party Debit Collector by XXXX XXXX XXXX XXXX This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the third-party debit collector. 

As you can see by my attached credit report and highlighted issues. This information IS NOT CORRECT and NOT accurate, therefore it must be deleted immediately. 

The account name is XXXXXXXX XXXX XXXXXXXX. How much did the collection company pay for this item? 

I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA, as this is not accurate or complete.

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 2025-12-15 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:
This Item for {$1200.00} was purchased by a third -party Debit Collector by XXXX XXXX XXXX XXXX This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the third-party debit collector. 

As you can see by my attached credit report and highlighted issues. This information IS NOT CORRECT and NOT accurate, therefore it must be deleted immediately. 

The account name is XXXXXXXX XXXX XXXXXXXX. How much did the collection company pay for this item? 

I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA, as this is not accurate or complete.

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 2025-12-15 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: PA

Complaint narrative:
I am writing to dispute several inaccurate and/or unverifiable items currently reporting on my Equifax credit XXXX. These errors negatively affect my credit profile. I am a victim of identity theft. I request a full investigation and removal of any item that can not be fully verified under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Incorrect Address Reporting The following address is incorrect and should be removed : XXXX XXXX XXXX, XXXX, PA XXXX Please keep only my correct address : XXXX XXXX XXXX Apt XXXX, XXXX, PA XXXX XXXX. Collections Not Mine XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$840.00} Reason : This account does not belong to me. 
XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$640.00} Reason : This account does not belong to me. 
XXXX. XXXX XXXX  Loans Possible Duplicate/Inaccurate Reporting Multiple balances reported on the same date appear inconsistent or duplicated : {$2100.00}, {$8200.00}, {$2200.00}, {$3500.00}, {$6000.00}, {$4600.00}, {$2100.00}, {$5500.00} Request : Verify each loan individually, correct or delete any unverifiable data. 
XXXX. Hard Inquiries Remove any inquiry not supported by a signed credit application. 
Required Actions : Investigate each disputed item within 30 days Correct or delete any unverifiable information Provide an updated credit report upon completion Thank you for your prompt attention.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I found fraudulent transactions on my Wells Fargo Business Checking account from XXXX. Being that I do have an XXXX account, my first thing was to ensure that these transactions weren't - in fact - mine. The transactions in question didn't match my XXXX history, XXXX was the card ending XXXX connected to my XXXX account any longer. 

On XX/XX/2025 I reported the fraud - totaling {$2700.00} over 17 transactions - to Wells Fargo and was given claim number XXXX. This claim number would later change to XXXX. 

Wells Fargo promptly denied the claim stating that their " thorough investigation '' revealed no error had occurred. I immediately asked for the documents they relied upon and never heard back. Wells Fargo is no stranger to CFPB Complaints regarding their egregious mishandling of fraud complaints- and this case is no different.

Additionally, I had spoken to Wells Fargo executive office earlier in the year about a misplaced " hard inquiry '' on my personal credit report for a credit card that was only supposed to result in a " soft inquiry ''. The representative asked me to send " some proof '' that it was still on the report and they'd remove it. Not surprisingly, that hasn't happened either.

Wells Fargo has a long history of defrauding customers and this kind of activity needs to be addressed promptly. This CFPB complaint is a mere courtesy to Wells Fargo- I have full intentions of filing a formal complaint with our state 's Attorney General or allowing my attorneys to simply file suit for the lost funds and any damages from their egregious and illegal actions.

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 2025-12-15 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: PA

Complaint narrative:
I am writing to dispute several inaccurate and unverifiable items currently reporting on my Equifax credit file. These errors negatively affect my credit profile. I am a victim of identity theft. I request a full investigation and removal of any item that can not be fully verified under the Fair Credit Reporting Act ( FCRA ). 
1. Incorrect Address Reporting The following address is incorrect and should be removed : XXXX XXXX XXXX, XXXX, PA XXXX Please keep only my correct address : XXXX XXXX XXXX Apt XXXX, XXXX, PA XXXX XXXX. Collections Not Mine XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$840.00} Reason : This account does not belong to me. 
XXXX XXXX XXXX Reported : XX/XX/year> Balance : {$640.00} Reason : This account does not belong to me. 
XXXX XXXX  Student Loans Possible Duplicate/Inaccurate Reporting Multiple balances reported on the same date appear inconsistent or duplicated : {$2100.00}, {$8200.00}, {$2200.00}, {$3500.00}, {$6000.00}, {$4600.00}, {$2100.00}, {$5500.00} Request : Verify each loan individually, correct or delete any unverifiable data.

4. Hard Inquiries Remove any inquiry not supported by a signed credit application.

Required Actions : Investigate each disputed item within 30 days Correct or delete any unverifiable information Provide an updated credit report upon completion Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified inquiries on my consumer report that have been furnished without my consent, written instructions, or permissible purpose which is considered identity theft. INQUIRIES : 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 XXXXXXXX. Please see attachments for documentations. This request is NOT coming from a third party, its coming from me as the consumer directly. Please delete and block within 4 days. Do not turn this into a 30-60 day 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 2025-12-15 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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