vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-08-05 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: MA

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-08-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
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 2025-08-05 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: FL

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 non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I received XXXX letters from Wells Fargo stating that my accounts were closed for the following reasons. Mind you, I have paid off the balance and have never been late on my payment. Both letters were identical. 
Credit card ending in XXXX, has not been used in couple of month, the XXXX card XXXX was paid off in XX/XX/year>. 
The letter stated that : 1. My credit score was XXXX, that's a blatant lie. 
2. XXXX serious delinquency, again lies. 
3. Too many inquiries, who cares, the card was open XXXX XXXX  ago. 

What bothers me is the lies that they're stating as their reason for closing an account in excellent standing.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am a victim of Bank fraud perpetrated by a person presenting himself as an employee of Chase Bank investigating said fraud. XX/XX/year>, I realized I was being scammed and contacted Chase Bank and was told a claim was filed for me as well as an Elderly Vulnerability form and that the Investigation Team would investigate this fraud and that I would certainly get my money back ( $ XXXX ). Additionally, I was contacted by the XXXX XXXX Police Department who informed me that they would be investigating the matter as well. Every time I spoke with the Claims Department I had to call myself. No one ever contacted me. I wasn't even given a case number until i asked for it and was given two ( 2 ) incorrect numbers. When I finally received a case number, I was given the phone number of the Global Security Team. After speaking with several low level employees, I finally spoke with someone who said she was assigned to my case and that my case was closed. I requested copies of my claim and received nothing. I am dubious as to whether a claim was actually filed. I have been lied to and misled by Chase Bank and have received NO response from Chase Bank. I requested the following from the Executive Office of Chase Bank : 1 ) I want a copy of the bogus claim Chase Investigative Claims team allegedly filed as well as the Elderly Vulnerability form ; 2 ) I requested that my claim be reinvestigated and that my claim be paid wherein I receive full recovery of my stolen funds as per the assurances I received from Chase bank 's employees working in the claims department ; 3 ) I requested that all fees, fines overdrafts, etc. be expunged from my bank account and that my account be restored to active status and good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am the XXXX recipient of a wire transfer of an XXXX XXXX inheritance. In order to receive the funds without any issues or conversion, I purposely opened a XXXX Dollar account at XXXX XXXX bank ( XXXX XXXX XXXX ). The inheritance amount to be wire transferred is in XXXX Dollars was {$80000.00} USD. The executor of the estate initiated the wire transfer on XX/XX/XXXX at her local branch of the Chase Bank XXXX XXXX, Idaho ). The wire transfer failed due to an error by the bank clerk handling the wire transfer and the money was returned to the Estate Account ( minus a fee of $ XXXX XXXX. 

The clerk redid the wire transfer again on XX/XX/XXXX and incorrectly changed some of the initial information ( including the currency ) resulting in yet another error. Despite very clear instructions, the XXXX funds were sent to my USD Account in XXXX Dollars. When the XXXX dollars hit my XXXX dollar account they were converted a second time and {$77000.00} USD was deposited into the account. This amount is short {$2400.00} USD due to the double conversion. 

As soon as I saw the amount, I called the executer and we have been trying to sort this out with Chase ever since. We started with the branch but both the employee and the branch manager advised that they didnt not make the error and suggested that we reach out to the Wire Transfer Investigation Team. This team also made numerous errors and as matter of fact, we had 3 separate case numbers as each team member tried to provide a different solution and resolution. They eventually tried to recall the Wire Transfer. 

This they also made numerous errors on. After weeks of discussion and more than a dozen conference calls, they determined that they could not recall the funds. The WT Investigation Supervisor suggested that we reach back out to the branch as they could correct it using something she called a one time good will gesture due to the error on their part. Suffice to say that the branch is denying any wrong doing and washing their hands of the responsibility. 

The executer and I then reached out to the Executive Office of Chase and we understood that their role was to investigate and act on the clients behalf. Once again, they took all of the details and that was months ago. We have no update from them and do not know the current status.

I am really hoping that you can step in and help resolve this issue. It is ludicrous that Chase feels that it is acceptable that the client pays for their errors and their lack of experience with an International wire transfer. So far, not a single employee or department is taking responsibility for this.

I am happy to provide any further details which you may require regarding this entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unauthorized credit reporting by XXXX XXXX  regarding my mortgage accounts. 

The account in question appears on my credit report as : Creditor Name : XXXX XXXX Loan Numbers : XXXX ( First Mortgage ) and XXXX ( Second Mortgage ) This dispute is based on the following : XXXX. XXXX XXXX  Is No Longer the Legal Servicer I have confirmed via the MERS Servicer ID system that XXXX XXXX  ( also doing business as XXXX XXXX  XXXX ) is listed as Inactive for my first mortgage ( Loan # XXXX ). This strongly indicates that they are no longer legally servicing the loan and therefore should not be furnishing credit data related to it. 



XXXX. Servicing Rights Were Transferred While a Dispute Was Open I submitted a formal Qualified Written Request ( QWR ) on XX/XX/year>, under the Real Estate Settlement Procedures Act ( RESPA ), requesting loan servicing information. XXXX XXXX  failed to respond to this request and transferred the second loan ( Loan # XXXX ) to another servicer during the pending QWR, violating RESPA regulations. 



XXXX. Disputed and Potentially Inaccurate Reporting Despite no longer having servicing authority and violating federal consumer protection laws, XXXX Mortgage has continued to report payment history and balances on both loans. I believe this reporting is : Inaccurate Legally unauthorized Potentially damaging to my credit Requested Action : I respectfully request that the credit bureau : Remove all tradeline data associated with XXXX XXXX  for both loan accounts ( XXXX and XXXX ) from my credit report. 
Conduct a full investigation under the Fair Credit Reporting Act ( FCRA ) and confirm with XXXX XXXX  their current authority to report on these loans. 
Provide a copy of the results of your investigation once completed. 

I have enclosed supporting documentation, including : Screenshot from MERS showing XXXX as Inactive Copy of my QWR dated XX/XX/year> Recent correspondence from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unauthorized credit reporting by XXXX XXXX  regarding my mortgage accounts. 

The account in question appears on my credit report as : Creditor Name : XXXX XXXX Loan Numbers : XXXX ( First Mortgage ) and XXXX ( Second Mortgage ) This dispute is based on the following : XXXX. XXXX XXXX  Is No Longer the Legal Servicer I have confirmed via the MERS Servicer ID system that XXXX XXXX  ( also doing business as XXXX XXXX  XXXX ) is listed as Inactive for my first mortgage ( Loan # XXXX ). This strongly indicates that they are no longer legally servicing the loan and therefore should not be furnishing credit data related to it. 



XXXX. Servicing Rights Were Transferred While a Dispute Was Open I submitted a formal Qualified Written Request ( QWR ) on XX/XX/year>, under the Real Estate Settlement Procedures Act ( RESPA ), requesting loan servicing information. XXXX XXXX  failed to respond to this request and transferred the second loan ( Loan # XXXX ) to another servicer during the pending QWR, violating RESPA regulations. 



XXXX. Disputed and Potentially Inaccurate Reporting Despite no longer having servicing authority and violating federal consumer protection laws, XXXX Mortgage has continued to report payment history and balances on both loans. I believe this reporting is : Inaccurate Legally unauthorized Potentially damaging to my credit Requested Action : I respectfully request that the credit bureau : Remove all tradeline data associated with XXXX XXXX  for both loan accounts ( XXXX and XXXX ) from my credit report. 
Conduct a full investigation under the Fair Credit Reporting Act ( FCRA ) and confirm with XXXX XXXX  their current authority to report on these loans. 
Provide a copy of the results of your investigation once completed. 

I have enclosed supporting documentation, including : Screenshot from MERS showing XXXX as Inactive Copy of my QWR dated XX/XX/year> Recent correspondence from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: RI

Complaint narrative:
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!

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to request the immediate removal of obsolete and inaccurate personal address information from my credit report maintained by Equifax. 

Some of the addresses listed on my credit report are completely unfamiliar to me, I have never resided at them. Others are outdated and no longer associated with my identity or any open tradeline. 

The following addresses should be immediately removed : 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 XXXXXXXX I dispute the accuracy, source, and legitimacy of these addresses. I have never resided at some of them, and none of them are tied to any current or verified credit relationship. 
The only valid and current address that should remain on my credit report is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Basis for Immediate Deletion : Under the Fair Credit Reporting Act ( FCRA ), the continued reporting of false, inaccurate, or unverifiable personal information violates multiple provisions : 15 U.S.C. 1681e ( b ) : Requires credit bureaus to use reasonable procedures to assure maximum possible accuracy. Reporting addresses I have never lived at is a gross violation of this section.

15 U.S.C. 1681c : Limits the reporting of outdated or irrelevant personal identifiers that are not essential to current credit relationships.

15 U.S.C. 1681i ( a ) ( 5 ) : Mandates deletion of disputed information that can not be verified. Since I have never lived at certain addresses, they can not be verified and must be removed without delay.

15 U.S.C. 1681b ( a ) : There is no permissible purpose for storing or disclosing personal address information that does not relate to an existing or intended credit relationship.

My Formal Demand : That the Consumer Financial Protection Bureau require the listed credit bureau ( s ) to immediately delete the inaccurate and obsolete addresses, especially those I have never lived at. 


That no reinvestigation delay be allowed, as the data is clearly unverifiable and unnecessary, and the burden of proof rests on the data furnisher under the law. 


That I be provided with written confirmation that only the following address remains on my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Failure to comply with FCRA obligations may result in legal action for willful or negligent noncompliance under : 15 U.S.C. 1681n ( civil liability for willful noncompliance ) 15 U.S.C. 1681o ( civil liability for negligent noncompliance )

Company response to consumer: Closed with non-monetary relief