vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has ignored my request for an investigation as is there duty and obligation to as a data furnisher to the credit reporting agencies. On XX/XX/XXXX I entered into an agreement to settled in full my account ending in XXXX, and this was fulfilled on XX/XX/XXXX. I received a letter dated XX/XX/XXXX that indicated they would be reporting my account to the credit bureaus as a XXXX balance. Well for months now, I have been writing to the credit bueraus and to wells fargo to request an investigation into the matter as to why the account still shows a balance. But not just any balance, a balance that is significantly larger than what it was before, almost as if the payments I made were ADDED to the account instead of subtracted from the balance. 

This error was present on my report for more than 6 months, and I have yet to receive any response or correction notice from Wells Fargo indicating that they have corrected this mistake. At this point, I have sent them 3 different demand letters dated XXXX, XXXX, and XXXX of XXXX. In addition, credit bureau disputes have been filed with XXXX XXXX XXXX XXXX and to date Wells Fargo has not taken any action with respect to the egregious error they are making.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by your company to the credit bureaus regarding the account listed below. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

I have reviewed my credit report and found that the following information reported by your company is inaccurate and/or incomplete : The dates of delinquency/payment/charge-off are incorrect.

The account balance and payment history do not match my records.

The account may be misattributed, duplicated, or does not belong to me.

[ Any other specific errors you want to include.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate information reported by your company to the credit bureaus regarding the account listed below. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and, where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

I have reviewed my credit report and found that the following information reported by your company is inaccurate and/or incomplete : The dates of delinquency/payment/charge-off are incorrect. 
The account balance and payment history do not match my records. 
The account may be misattributed, duplicated, or does not belong to me. 
[ Any other specific errors you want to include.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
Under 15 USC 1681 and 1681-c remove these items. There are accounts that were a result of many data breaches. There are inconsistencies across the 3 major bureaus. There are accounts listed for collections and charge offs of autos that received the clear 1st lien titles for. There a multiple mortgage loans of others. 
I filed FTC Reports : XXXX 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 2025-05-21 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: IL

Complaint narrative:
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 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-21 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: IL

Complaint narrative:
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 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information that appears on my credit reports from the three major credit bureaus. The reports list multiple outdated addresses and employers that are not and have never been associated with me. These inaccuracies create a false and potentially misleading profile that could suggest suspicious activity or fraud to potential creditors. 

On XX/XX/XXXX XXXX XXXX I submitted a written request to each credit bureau ( Equifax, Experian, and TransUnion ) demanding correction under the Fair Credit Reporting Act ( FCRA ). I requested the removal of all prior addresses and incorrect employment history, and I provided them with my correct identifying information and documentation as outlined by FCRA 609 ( c ) ( 2 ) ( E ) and 611 ( a ). 

These errors are not only factually incorrect but also violate my rights under the FCRA and the Credit Repair Organizations Act ( CROA ) and contradict Metro 2 reporting standards. I referenced Metro 2 base segment fields that should reflect my correct legal name, date of birth, address, and employer, yet the reports continue to contain false entries. These issues compromise my credit profile and may negatively affect my ability to obtain fair credit. 

I respectfully request the CFPBs assistance in ensuring these credit bureaus conduct a reinvestigation within 30 days and permanently delete the inaccurate entries as required by law. 

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 2025-05-21 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Disputed online the bankruptcy as inaccurate and they verified as accurate and that is not true. Wherever they received their information from, they purchased inaccurate information. The address listed on the bankruptcy is for a strip mall and apartments. Since Experian and their verification process is inaccurate. Courts do provide wrong information they aren't perfect. They verified as accurate and it's wrong I want it remove. I've attached XXXX search of address.

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 2025-05-21 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: TX

Complaint narrative:
I'm filing this complaint to EQUIFAX because Ive discovered inaccurate and unfairly reported late payments and charge-off account on my credit reports that are causing serious harm to my financial life. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be 100 % accurate, verifiable, and complete. 
Ive disputed these accounts with the credit bureaus, and they either verified them without proper investigation or flat-out ignored the key facts. Ive asked for method of verification per Section 611, and Ive received no legitimate proof that these furnishers are in compliance with Metro 2 standards or federal law. These items are not only misleadingtheyre unlawful to report in their current state. Im requesting the CFPB immediately investigate the furnishers and EQUIFAX, as well as take enforcement action where necessary. I also demand the immediate removal of these late payments and deletion of charge-off account, which are unverifiable and damaging. I'm not asking for a handoutI 'm asking for a fair shake, and for the law to be followed. I work hard and take care of my responsibilities, but this agency and creditors need to be held accountable when they break the rules. Thank you for standing up for consumers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: PatientFi, Inc.
State: CA

Complaint narrative:
I am filing a complaint against the credit reporting agencies for continuing to report inaccurate and outdated information on my credit report, specifically in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which prohibits the inclusion of certain medical debts under specific conditions. 
Disputed Entries : 1. PatientFi Account # : XXXX Balance : Paid in full This account is a medical debt that has been paid off in full, yet it continues to appear on my credit report as a negative item. Under 15 U.S.C. 1681c-2, paid or settled medical debts should no longer be included in a consumer report. 

2. XXXX XXXX  Account # : XXXX Date Opened : XX/XX/year> Amount : {$7200.00} This appears to be a medical-related credit account. If this account contains medical debt that is either paid, settled, or older than 180 days, it should not be reported under the FCRA. I request a review to determine if it violates 15 U.S.C. 1681c-2. 
These items are negatively impacting my credit. I request that the CFPB ensure these are reviewed and, if found in violation, please be removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> - JPMorgan Chase & Co sent me a notice that they will close my credit card because of an alleged " publicly reported financial investigation ''. 

On XX/XX/year> - I went in to my closest Chase branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke to XXXX and inquired about why my credit card is being closed, I have 100 % on time payments and never had any issues. He said he can not help me with that, I need to speak with Chase Executive Office at XXXX XXXX XXXX, XXXX, OH XXXX and they only accept mail for correspondence, as they have no email and no phone number contact. 

On XX/XX/year> - I sent an overnight certified mail to Chase ( Tracking # XXXX ) to the above address, to inquire about the reason for my credit card account closure and to ask them to reconsider not closing my account, as I have no connection to any alleged " publicly reported financial investigation '', or any financial related offense, or pending investigation. 

On XX/XX/year> - XXXX reached out to me from Chase Executive Office and told me that they have received my certified mail and she will give me a call soon. Shortly after she called me and told me that they will move forward with closing my account and she did not provide me any basis for the account closure, even when I asked her specifically the reason. 

Therefore, by XX/XX/year> JPMorgan Chase & Co closed my credit card account, which has been in good standing for over 7+ years without any good reason, using false arbitrary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 



XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
Ncb management services is saying I owe them over {$6000.00} as of XXXX I tried calling them as I have never heard of them or worked with them before but they are on my credit report for money owed. They have apparently been through multiple fraud cases in XXXX alone and have even agreed on a settlement to repay people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I own a XXXX XXXX XXXX and my car has had an issue over the past 6 months. I continuously heard a ticking noise from the engine. After bringing my car to XXXX XXXX in XXXX XXXX, I was informed that it was nothing. I brought my car in for the same issue over 3 times. 

I ordered a new XXXX XXXX XXXX from XXXX and was told that the car would not be available until XX/XX/XXXX. I was informed that there is massive recall on this vehicle with XXXX and my car 's condition has worsened. I asked that my car be evaluated for trade in and I was told that the current value is $ XXXX which is $ XXXX less than what I was quoted prior to recall. The XXXX, XXXX, said that he would contact XXXX XXXX to see if the difference could be compensated. It has been 2 weeks with no response. Also, I have called XXXX myself and have no received no response to this recall or my issue with the value of the truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: GA

Complaint narrative:
I filed a dispute on XX/XX/year> regarding a purchase I made for {$370.00} with XXXX Banking for a product that was never received from XXXX. On XX/XX/year>, the merchant stated that the bank had reached out and they approved the refund with the bank. I have documentation supporting this claim from the merchant which states that the bank approved the dispute and issued the refund. I have reached out to the bank nearly everyday about this refund and was told by several different customer service representatives that the refund would take XXXX business to hit my account. I finally reached out again today XX/XX/year> and spent an hour and a half going back and forth with different customer service reps and supervisors who told me, not only was the refund not being issued because the dispute was " still being investigated '' ( despite the fact that the merchant approved the refund for failure to deliver the product ) but they refused to provide me a provisional credit, stating that I do not qualify under Regulation E. This is completely incorrect. I repeatedly told them what qualifies under Reg E directly from the federal website and from what I recall from working at a bank. Regardless of the fact that the merchandise was not received, this was both a debit/POS purchase and therefore it qualifies. Not only that, but since the merchant approved the refund, that also qualifies me for the provisional credit until they receive the full refund from the merchant. I have NEVER had a bank withhold my funds like this. This is not a small amount of money and each time I call, they refuse to connect me with anyone higher up than a general supervisor. I contacted their parent company, who AGREES that they are in violation of XXXX XXXX and who filed a complaint for investigation into XXXX on their end. But this will take weeks and I need my funds now. I have bills to pay and because of XXXX violating my rights under XXXX XXXX, I get further and further behind. I want my money immediately for I will be taking this matter to the media, my lawyer, and the attorney general. I will also be filing a complaint with the FDIC today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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