vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 XXXXXX/XX/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 2025-11-20 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I already have a complaint, but I am so frustrated with Wells Fargo. Again, I am dealing with the aftermath of the government shutdown because XXXX XXXX XXXX XXXX XXXXXXXX My XXXX  XXXX  are receiving their direct deposits but of course Wells Fargo is dragging their feet. I contacted a customer service rep XX/XX/year> about the deposit, she was kind of rude and of course she said it wasnt the bank. How can all my coworkers get their deposits but not Wells Fargo? And they claim there is no way to look up the information on their end. I was given no helpful 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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Complaint Summary : Chase Bank closed my checking account without contacting me or giving any explanation. They claimed to have mailed a cashiers check with my remaining funds on XX/XX/XXXX, but I never received it. These funds are my Social Security XXXX benefits. I am XXXX and caring for a parent with XXXX, and I rely on these funds for housing. Because Chase withheld my money, I was unable to pay rent and received a XXXX eviction notice. I believe the banks actions were unfair and may constitute discrimination based on XXXX. I need Chase to immediately release or reissue my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates
State: GA

Complaint narrative:
I submitted a written dispute to XXXX  requesting verification of the accuracy of an account, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). XXXX  responded by marking the account as Verified as accurate on my credit report. However, they did not provide any supporting documentation or proper verification, and the account continues to report with no changes, despite my dispute. I am requesting a full investigation and documentation validating the accuracy of the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed 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 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 XXXXXX/XX/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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting this letter to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After reviewing my records, I obtained an official letter from the court confirming that this bankruptcy should not be reported to any credit bureau. Despite this clear evidence, the information continues to appear on my report, which is both concerning and misleading. The fact that this bankruptcy is still being reported, even after receiving confirmation from the court, represents a serious error that negatively impacts my creditworthiness and overall financial standing.

Furthermore, it has come to my attention that an unauthorized third party appears to be involved in this matter, which raises additional concerns regarding the accuracy and integrity of the data being reported. I am deeply troubled by how my personal and financial information may have been mishandled or accessed without authorization. This issue deserves immediate attention to ensure my credit file remains accurate and compliant with federal reporting laws.

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 2025-11-20 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I have a XXXX court order. XXXX courts have determined I am a victim of XXXX XXXX Equifax must block derogatory accounts. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION. EQUIFAX IS IN FEDERAL VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-20 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
I received a letter from a company claiming that they had already commenced court action against me for a past-due account. The letter also stated that if I had not already received court papers from the XXXX XXXX notifying me of my court date, I would be receiving them soon. The letter repeatedly implied that an active lawsuit had already been filed and that law enforcement was involved. 
Because of how serious this sounded, I checked the official XXXX XXXX court system ( XXXX ) to verify whether a case actually existed under my name. After searching the court portal, I confirmed that no case exists, and no lawsuit has been filed against me. This means the company is making false statements about legal action and misrepresenting that the XXXX  or courts are involved when they are not. 
The letter appears designed to intimidate me into immediate payment by creating a false sense of urgency and fear of court consequences. They are using claims of court filings and XXXX XXXX as pressure tactics even though no such actions have occurred. This made me feel scared, stressed, and misled, because they are telling me things that are not true to push me into contacting or paying them. 
I believe this behavior is deceptive, misleading, and potentially a violation of debt collection laws because they are falsely representing legal action, implying government involvement, and using threats of court to pressure me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX  XXXX ), Experian ( XXXX ), and XXXX XXXX XXXXXXXX ). I have also been the victim of personal information being exposed to the public as a result of several data breaches. Below is a breakdown of the disputed items for each bureau, along with the impact of these breaches on my credit report. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$740.00} XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$7400.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$3800.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$6600.00} Inquiries : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : 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 2025-11-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year> I financed a {$19000.00} XXXX  installation through my Synchrony account. The contractor installed the wrong type of system ( a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) , used non-code-compliant XXXX XXXX  where XXXX is required, misclassified the permit to avoid required plan review, and failed to file a Notice of Commencement even though the job exceeded {$15000.00}. 

The system has never functioned properly : extreme humidity, inadequate cooling, airflow restrictions, and documented condensation damage to my historic wood floors. Multiple licensed XXXX professionals confirmed the system is non-functional, unpermitted, and can not be corrected without full removal and replacement. 

I submitted extensive evidence to Synchrony ( photos, code references, diagnostic reports, and permit records ) under the FTC Holder Rule. My dispute has been denied three times without explanation, and Synchrony appears to rely solely on the merchants statements instead of reviewing my documentation. The contractor is now offering a refund only if I sign a liability release and nondisclosure agreement, which is not a valid remedy under the Holder Rule.

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 2025-11-20 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: CA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : Equifax ( XXXX ), XXXX XXXX XXXX ), and XXXX XXXX XXXX ). I have also been the victim of personal information being exposed to the public as a result of several data breaches. Below is a breakdown of the disputed items for each bureau, along with the impact of these breaches on my credit report. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$7400.00XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$3800.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$6600.00} Inquiries : [ No inquiries listed for Equifax ] XXXX Payments : XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 dispute the following charged-off accounts on my Equifax credit report. These accounts contain inaccuracies that need to be corrected. 

CHARGED OFF XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} LATE XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief