vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: NV

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccuracies and unauthorized actions on my credit report. These issues have caused significant distress, harmed my creditworthiness, and violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and related consumer protection laws. I request that the CFPB take action to ensure these items are fully investigated and corrected. 

Account XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance Owed : {$280.00} Reported as Collection. This collection account is reported in error. I have no obligation to pay this debt. Under FCRA Section 609 ( a ) ( 1 ) and Section 623 ( a ), I am entitled to verification of any debt claimed. No documentation has been provided proving the validity of this account. Reporting unverifiable debts is a violation of my consumer rights and constitutes harm. I insist on immediate deletion until proper verification is supplied. The reporting of this account is misleading, incorrect, and violates federal law. I have never received any correspondence, notice, or account statement from this entity. Including this collection affects my creditworthiness and financial reputation. The CRA is responsible for ensuring accuracy, and failure to verify constitutes a breach. I demand written proof that all unverifiable claims are removed. Continuing to report this information is legally unacceptable. The account must be corrected or deleted immediately. My credit file can not contain unverifiable negative information. Compliance under FCRA Sections 607 and 611 is required. I expect confirmation of deletion in writing. The reporting agency must prevent recurrence. 

I respectfully request that CFPB direct the involved credit reporting agencies and furnishers to fully reinvestigate each of these inaccuracies, delete any unverifiable or unauthorized information, and confirm corrections in writing. My credit report must reflect only accurate, lawful, and authorized data. These errors have caused significant financial and personal hardship, including damage to my creditworthiness, denial of loans, and unnecessary stress.

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

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this 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 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no 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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a dispute for {$45.00} ( Transaction Date XX/XX/year> ) with XXXX XXXX XXXX due to defective service and personal injury. Chase denied the claim ( Claim ID : XXXX ) stating the service was 'received '. Chase failed to investigate the substance of my complaint, which was that the service was dangerous and defective : The nail technician used acetone that seeped into and burned an open wound, causing significant pain and requiring intervention. The spa had no first-aid kit. 

The manicure was defective, with XXXX of XXXX nails chipping within XXXX hours ( service claimed to last XXXX weeks ). 
The banks refusal to credit the charge despite clear evidence of a health issue and defective product constitutes a failure to uphold consumer protection standards. I demand a full review and reversal of the dispute finding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
A loan refinance was discussed with a Freedom mortgage loan officer. The conditions were acceptable and I decided to move forward. 
But things did not go well due to clumsiness or incompetence by the loan officer. 

1. The loan-officer wasnt able to run a credit check for 3-4 days for no apparent reason ( all three agencies were un-frozen and accessible ) 2. The conditions changed to a much worse by the time you could access the credit bureau information 3. He started a paper application and sent it to us with our SSN on the paperwork, this sensitive information should not have been sent without my approval.

I spent over one hour on the phone with two different credit bureaus to make sure my credit score was available. This was confirmed by both and they also confirmed the credit scores had been available since day # 1 when credit was un-frozen

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 2025-10-10 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: MI

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 explanation
Consumer complaint received 2025-10-10 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: MS

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is a follow-up to a complaint I submitted earlier regarding an unauthorized withdrawal from my checking account by a scam loan company called XXXX XXXX. I forgot to include the exact amount that was withdrawn from my account. 

The amount taken was {$60.00}, and it was withdrawn via a bill pay/check payment to a fake name, XXXX XXXX XXXX on or around XX/XX/year>. 

I reported the fraud to my bank the next day, and although they placed a stop payment and opened a fraud claim, they also decided to permanently close my account and have not refunded the money. 

I am requesting that my original complaint be updated with this information. Thank you.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I am writing to give my concerns about Zelle 's disputes particularly in light of the recent CFPB lawsuit bringing attention to significant issues with the platform. Despite using Zelle numerous times and disputing discrepancies my financial institution in Zelle failed to investigate my claims thoroughly. They informed me that the lost funds was impossible and that tracking these transactions was unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I requested an appeal due to the new information we received through mail from Citibank dated XX/XX/year>. In this packet, there are documents from XXXX XXXX XXXX that are falsified and untrue, including one with a forged signature.

This dispute had originally been closed because I could not provide a valid credit slip. I contacted Citibank to explain that I could not obtain a valid credit slip because the merchant refused to provide me with one. The dispute was supposed to be re-opened by Citibank representative XXXX, but it was not re-opened. Instead, I received a letter explaining that the dispute would be closed due to the amount of time that had passed. 

XXXX XXXX XXXX has been claiming that we did not cancel our stay, they say we stayed for 7 nights but we only stayed for 1 night Here is a summary of the dispute Online booking made for XX/XX/year> - XX/XX/year> Arrived at XXXX XX/XX/year> -we were not given the room we booked online -due to the unsanitary/contaminated conditions of the room they gave us, we were offered a different room but at a lower rate, we were still not offered the room we originally booked online -we were refused a refund of the difference in the rate Cancelled our stay at XXXX XX/XX/year> -due to the unsanitary/contaminated conditions of the second room, we had no choice but to cancel our stay -we spoke with XXXX the Supervisor about the problems with both rooms ( mold, stains, bug infestation ) but she refused to offer help or a resolution -the XXXX XXXX website is misleading and advertised falsely by stating they are 5-star -XXXX  refused to give us a refund -XXXX  refused to send us a cancellation email, therefor I can not provide proof of cancellation -we refused to sign paperwork upon our departure XXXX XXXX XXXX  said that we stayed XX/XX/year> through XX/XX/year> We left on XX/XX/year> We are being forced to pay for a hotel room that we did not use I have attached receipts from the hotels we stayed at XXXX also lied by saying he enjoyed services and does not make any complaint about it We have numerous photos and videos to prove the disgusting condition of the rooms Citibank rejected our photos and videos due to not having the software to open them How is it fair that proof can not be submitted?! 

XXXX did not provide us with the accommodations/services promised to us at the time of booking XXXX lied and falsified documents, also forged one of our signatures I called Citibank to request an appeal on XX/XX/year> immediately after receiving these documents in the mail. Citibank is now ignoring my request.

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 2025-10-10 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: TX

Complaint narrative:
Remove disputed items on the credit report in line with 15 U.S. Code 1681gs timeline.

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

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-10 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: VA

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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 2025-10-10 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: VA

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concerns Regarding Zelles handling of disputes, particularly in the light of the CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that recovering the last funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that not only has Zelle failed to protect the consumer, but allow the repeat offender to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
I am disputing a XXXX XXXX account that continues to appear on my TransUnion credit report with XXXX XXXX XXXX remarks even though it was closed and discharged. 

The account is reported as XXXX XXXX XXXX / dispute resolved reported by grantor, but no documentation has been provided to prove permissible purpose or legal verification to continue reporting this account after discharge.

I have previously disputed this with TransUnion, but neither TransUnion nor XXXX has provided written proof under FCRA 611 ( a ) ( 7 ) showing how or from whom the information was verified.

Because the account was discharged in bankruptcy, XXXX XXXX no longer has authority to furnish updates or maintain the account on my report. Continuing to do so violates FCRA 604 ( a ) ( no permissible purpose ) and 607 ( b ) ( accuracy obligations ). 

My XXXX and XXXX files are frozen, so TransUnion can not verify this through third-party databases.

I request that the CFPB investigate and require both TransUnion and XXXX XXXX to either : 1. Provide proof of permissible purpose and original verification documentation ; or 2. Delete this account and all related bankruptcy remarks due to unverifiable post-discharge 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 non-monetary relief