vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Email : XXXX SSN ( Last 4 Digits ) : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am formally disputing the accuracy of the reporting on the above-referenced account. The account is incorrectly reporting a 30-day late payment for XX/XX/year>. 

This reporting is inaccurate because the payment was made on time. Multiple payment attempts were submitted, and the actual funds were debited from my bank account. However, XXXX XXXX XXXX XXXX XXXX rejected these payments solely because their system required a special four-digit code placed in front of the account number. This is a creditor processing error, not a failure to pay. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information on my credit file, and you are required to conduct a reasonable investigation. 

I request that you promptly investigate this matter with XXXX XXXX XXXX XXXX XXXX and remove the incorrect 30-day late payment from my credit report. Please provide me with the results of your investigation in writing. 

Enclosed are copies of supporting documents, including proof of timely payment, bank records showing the debits, and evidence of the rejection error, to assist with your review. 

Thank you for your prompt attention to this matter. 

Sincerely, _____________________________ 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 2025-08-23 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX SSN ( Last 4 Digits ) : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am formally disputing the accuracy of the reporting on the above-referenced account. The account is incorrectly reporting a 30-day late payment for XX/XX/year>. 

This reporting is inaccurate because the payment was made on time. Multiple payment attempts were submitted, and the actual funds were debited from my bank account. However, XXXX XXXX XXXX XXXX XXXX rejected these payments solely because their system required a special four-digit code placed in front of the account number. This is a creditor processing error, not a failure to pay. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information on my credit file, and you are required to conduct a reasonable investigation. 

I request that you promptly investigate this matter with XXXX XXXX XXXX XXXX XXXX and remove the incorrect 30-day late payment from my credit report. Please provide me with the results of your investigation in writing. 

Enclosed are copies of supporting documents, including proof of timely payment, bank records showing the debits, and evidence of the rejection error, to assist with your review. 

Thank you for your prompt attention to this matter. 

Sincerely, _____________________________ 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
After reviewing my consumer report incomplete account number XXXX XXXX closed account with a XXXX balance can not and should not continue to reflect late payments. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to ensure the maximum possible accuracy of information they provide to consumer reporting agencies. 

Reporting a late payment on a XXXXbalance, closed account is misleading, unfairly damaging my credit standing, and constitutes inaccurate reporting. 

Accordingly, I demand that XXXX XXXX XXXX : Immediately remove the late payment notation from this account. 

Correct the account status to reflect Paid/Closed {$0.00} Balance, Never Late ( or the most accurate equivalent status ). 

Provide me with written confirmation of the correction once complete. 

If this error is not corrected promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reporting that XXXX XXXX and the credit reporting agencies ( Experian, Equifax, and TransUnion ) failed to conduct a proper reinvestigation of the disputed charge-off account, in violation of the Fair Credit Reporting Act ( FCRA 611 ).

I previously disputed this account and requested verification of its accuracy. However, the responses I received did not include any supporting documentation such as signed agreements, account statements, or proof of liability. Instead, the bureaus simply verified the account by parroting information from the furnisher, without conducting an independent reinvestigation.

This constitutes an improper reinvestigation, as the FCRA requires a reasonable investigation and a disclosure of the method of verification upon request. Since the account remains unverified and inaccurate, I am requesting that the credit reporting agencies delete this account from my credit file and that XXXX XXXX cease reporting unverifiable information. 

The account is on my reports listed at XXXX XXXX Charge off for the amount of {$3100.00}

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reporting that XXXX XXXX and the credit reporting agencies ( Experian, Equifax, and TransUnion ) failed to conduct a proper reinvestigation of the disputed charge-off account, in violation of the Fair Credit Reporting Act ( FCRA 611 ).

I previously disputed this account and requested verification of its accuracy. However, the responses I received did not include any supporting documentation such as signed agreements, account statements, or proof of liability. Instead, the bureaus simply verified the account by parroting information from the furnisher, without conducting an independent reinvestigation.

This constitutes an improper reinvestigation, as the FCRA requires a reasonable investigation and a disclosure of the method of verification upon request. Since the account remains unverified and inaccurate, I am requesting that the credit reporting agencies delete this account from my credit file and that XXXX XXXX cease reporting unverifiable information. 

The account is on my reports listed at XXXX XXXX Charge off for the amount of {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year> an order that I had placed through XXXX was delivered to my public address in my building lobby instead of the carrier XXXX delivering the order I placed on XX/XX/year> to my apartment Door. I did not receive a notification until after the package was delivered to an unsafe location in my buildings Lobby. I latter Notified the seller XXXX XXXX  seller that the carrier was supposed to deliver to my apartment but they delivered to the Lobby. I requested a refund for XXXX To get rejected numerous times by the seller. I also filed a claim with my chase Bank on XX/XX/year> they issued a temporary refund. I explained to my bank that I never received my package/order on XX/XX/year> On XX/XX/year> I filed a police Report # XXXX with the XXXX XXXX XXXX  Detective XXXX is supposed to be investigating but was on Vacation. I also reported this incident to XXXX customer Service they claim that the seller has to issue a refund. Its been more than thirty days and my requests have been declined and ignored due to carrier stating that they delivered package. That I never received. My Chase bank will be reversing the temporary credit because they delivered package of carrier not caring where my package was delivered too. As long as its been delivered. The carrier XXXX The Bank and the seller are very much aware of the fact that I reported all of this information. Another officer XXXX XXXX checked the CCTV cameras and stated that there was no Sequence meaning cameras werent working. My building management is stating that cameras were working effectively. However Im receiving conflicting information. I received a letter from chase bank that by XX/XX/year> they will reverse the temporary refund. I will be losing out on money for a product that I never received. I had to call my banks claim department on XX/XX/year> to resubmit more evidence. Am awaiting a response. This experience has been so frustrating and disappointing. Where is the consumers protection for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$38000.00}, department of education XX/XX/XXXX {$7100.00}, department of education XX/XX/XXXX {$7000.00}, department of education XX/XX/XXXX {$5100.00}, department of education XX/XX/XXXX {$3900.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$38000.00}, department of education XX/XX/XXXX {$7100.00}, department of education XX/XX/XXXX {$7000.00}, department of education XX/XX/XXXX {$5100.00}, department of education XX/XX/XXXX {$3900.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-08-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They told us they would not refund our money, but with no explanation that we could understand ... and the rep was very rude and condescending and then when we hung up and called back to talk to somebody else... this rep was even more rude and condescending. When we asked to talk to his supervisor, he acted like he was going to put us on with one, but after holding for a long while we just gave up and hung up. We would like our credit card dispute to be refunded since the company we bought the products from refuses to honor their guarantee to refund us.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate reporting on my account ( s ) in violation of the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ) and the Fair Credit Reporting Act.

Payments I made were not properly credited.

Calculation errors appear in reported balances.

I was not given the required 21-day billing notice, making any late-payment reporting invalid.

These errors must be corrected.

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 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Requested them to provide verification that this belongs to me.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>2025, my Wells Fargo checking account was hacked, which affected my debit card being replaced. Due to the security breach, I now have no access to my funds for 7-10 business days, leaving me without money for food, gas, and other essentials. Wells Fargo failed to provide a temporary card or access to funds until I receive a new card.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a business credit card with Bank of America. When my card lapsed I called the bank and made an arrangement to keep my account out of collections. Payments have been coming directly out of another BOA account to pay it down. Today I found out that my account was sent to collections. 
The bank wont take accountability. They asked me to allow them to move my account to the creditor, to which I said, no. I have an agreement made to pay it down and have been doing that. I said, if I commit to the creditor, I want a refund of what Ive paid down from the time my account was sent. 
They wont budge to keep my agreement or officially have my account in collections but reimburse my payments. I didnt agree to both. I wouldnt have made an arrangement if I understood I was going to collections. That doesnt make sense to me now, it never would have.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'I am submitting this complaint regarding multiple unresolved disputes sent to Equifax concerning inaccurate information on my credit report. Despite several written notices and formal dispute submissions, Equifax has failed to respond adequately. The disputes were marked as verified without any supporting documentation or evidence that a proper investigation took place, in clear violation of the Fair Credit Reporting Act (FCRA).\n\nI have also submitted a request to freeze my credit report, which has not been meaningfully acknowledged. Equifaxs continued failure to respond, correct the disputed information, or provide any documentation constitutes willful noncompliance with federal consumer protection laws.\n\nI have formally placed Equifaxs Chief Financial Officer in default due to nonresponse and notified the company of my intent to proceed with arbitration if they continue to neglect their legal obligations.\n\nFurthermore, I have requested a wet ink signature contract evidencing my alleged obligation to the reported account. To date, Equifax has failed to provide this or any legally binding agreement bearing my original signature, which is necessary to validate the accuracy and legitimacy of the tradeline in question.\n\nI respectfully request that the Consumer Financial Protection Bureau investigate Equifaxs conduct and compel them to comply with federal law, including conducting a proper investigation, removing inaccurate information, and providing verifiable documentation as requested.\n\nCopyright Notice:\nThis statement and all related communications are the original work of the undersigned and are protected undeXXXX XXXX copyright law. Unauthorized use, reproduction, or alteration of this document or its contents without express written permission is strictly prohibited.\n\n12-18 months of disputes have gone unresolved and unverified. \nMultiple notices sent to the XXXX including dates delivered XXXX  notice of dispute and notice to perform, notice of POA. \nNotice of default and affidavit of truth certified mailed and delivered to XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/year>. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/year>. 
I previously disputed this inquiry stating : " There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX on XX/XX/year>. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with explanation