vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Payment history showing no data between XX/XX/year>2020 and XX/XX/year>2020, followed by a sudden charge-off notation - This is FCRA error and this account should be deleted. 

Subject : Complaint Against Experian Inaccurate Reporting of XXXX Account I am filing this complaint against Experian for failing to properly investigate and correct inaccurate reporting of a XXXX account on my credit file. 

For over XXXX years, Experian has continued to report this account despite Discovers inability to provide complete and proper validation under the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has failed to provide : Chain of titles and ownership history of the account Securitization details ( including whether the account was pooled in a XXXX agreement with a trust ) ACDB records Complete method of verification, including who, when, and how I was contacted once the account became delinquent Despite these clear gaps, Experian repeatedly responds with generic letters or automated e-Oscar replies, rather than conducting a proper, reasonable reinvestigation as required under FCRA XXXX. 

Other credit bureaus have already deleted this account after their own investigations, confirming inaccuracies existed. This makes Experians continued reporting especially problematic and discriminatory. 

Additional inaccuracies within Experians reporting include : Incomplete account number, making the account difficult to identify or verify Payment history showing no data between XX/XX/scrub> 2020 and XX/XX/year>2020, followed by a sudden charge-off notation Inconsistent reporting during the XXXX period, when account reporting standards and hardship protections were in effect

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 2025-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a {$28000.00} savings account that matured. I went on line to renew but couldnt get the new promotion rate because theyll only accept new money. I asked how long does my old account need to be closed and they couldnt tell me. They said I need to go to branch. I went to XXXX local branch and they gave me the guidelines which does not state how long the account needs to be closed. I can not open the new platinum savings account because theyll only accept new money.They would not tell me how long account needs to be closed for me to qualify for 3.44 % rate. 
They are intentionally being vague. This does not help me make important financial decisions.

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 2025-09-15 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: GA

Complaint narrative:
These finances company pulled my credit report without my knowledge. I notice XXXX pulled on the same day, i was not aware of this until i started looking into my credit report. would like these taking off my credit report Immediately hurting my credit from me trying to purchase a home.

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 2025-09-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB Complaint Equifax & XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX in Dispute : Equifax Creditor/Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX Account in Dispute : Timeshare / Membership Loan What Happened I previously disputed the Ascendant Holidays account appearing on my Equifax credit report. The account is inaccurate because it reports a balance of over {$56000.00}, even though the original signed contract was for {$29000.00} financed at 17.5 % APR with fixed payments of {$550.00} per month. This reporting is impossible under the agreement terms. 

Despite my dispute, Equifax failed to conduct a reinvestigation as required by law. They did not provide any supporting documentation, validation, or signed contract showing I am legally responsible for the balance being reported. Instead, the account continues to update as derogatory every month. 

FCRA Violations by Equifax FCRA 611 ( a ) ( 1 ) ( A ) : Equifax failed to conduct a reasonable reinvestigation of disputed information.

FCRA 611 ( a ) ( 5 ) ( A ) : Information that can not be verified must be deleted, yet the tradeline remains.

FCRA 607 ( b ) : Equifax failed to follow reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : Equifax did not provide me with full disclosure or validation of the account when requested.

Requested Resolution ( Fair Outcome ) Permanent deletion of the Ascendant Holidays tradeline from my Equifax credit report. 

Written confirmation that the account will not be reinserted unless fully validated with original signed documentation under FCRA 611 ( a ) ( 5 ) ( B ). 

Assurance that Equifax will comply with its duty to conduct reasonable reinvestigations in future disputes.

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 2025-09-15 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/25 unauthorized XXXX charge ( XXXX ) XX/XX/25 unauthorized withdrawal ( XXXX ) XX/XX/25 unauthorized in person purchase XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX ( XXXX ) XX/XX/25 unauthorized withdrawal ( XXXX ) XX/XX/25 unauthorized in person purchase XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ny XXXX ( XXXX ) XX/XX/25 XXXX XXXXXXXX XXXX XXXXXXXX XXXX ny unauthorized in person purchase ( XXXX ) XX/XX/25 XXXX XXXX XXXX  unauthorized in person purchase ( XXXX ) XX/XX/25 XXXX XXXX XXXX XXXX XXXX ny ( XXXX ) I went in the bank to report them and they denied my fraud claim to refund my money. After the denial, I went to the XXXX police precinct in XXXX with my cousin who is a XXXX in XXXX to make a police report. Detectives are assigned to the case and are securing all the video footage we need to prove I didnt authorize ANY of these transactions. 
I secured the report and went back to the back to Chase Bank on XX/XX/25 to submit the police report and formal letter asking to dispute the denial of my claim. The police report specified that detectives are gon na subpoena surveillance footage that will prove my innocence in this matter. 

These are all the fraudulent actions that took place on my bank account. Detectives are in the process to subpoena video surveillance proving that these transactions were not done by myself. Im also ordering a print out of my location services on my phone to the bank to prove my where about at the time of the crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: AZ

Complaint narrative:
In XX/XX/scrub> 2025, I disputed an account that XXXX XXXX XXXX is reporting, allegedly tied to XXXX at XXXX apartments. I submitted an FTC Identity Theft Report ( Report # XXXX ) and multiple written disputes requesting full validation of the debt, including the original creditor, account records, signed contract, and proof of responsibility. XXXX responded with inaccurate documents containing the wrong address and phone numbers that are not mine. Despite being notified of identity theft, they refused to provide meaningful validation and instead demanded a police report and proof of residency, which are not required by law. 

They have continued to report this account to Experian, even increasing the balance over time, despite my FTC Identity Theft Report and cease-and-desist letter. This is ongoing inaccurate reporting, a failure to investigate, and an unlawful shifting of the burden of proof onto me as the victim of identity theft. Their actions have harmed my credit and caused financial hardship.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit card provides protection for lost or stolen goods. During a trip in XXXX, I had my iPads and sunglasses stolen. I took all my pictures and documents and handed them over to XXXX XXXXXXXX .However, I have been told that my claim has been denied. Despite following all the companys instructions, my request has been ignored for payment XXXX months now. I have even contacted the company approximately XXXX times in the hope of resolving the issue, but my case has been reopened and denied again. I was going XXXX the excuse that I needed to file the claim the exact same day before I left the location even though I stepped off a flight and found out around XXXX and was stranded and I called customer service I think around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
CFPB, I am writing to report a case of credit card fraud and to express my concerns about the handling of my dispute by Bank of America. On XX/XX/XXXX & XX/XX/scrub> 2025, a total of {$37000.00} was charged to my credit card account in XXXX days, with transactions taking place in XXXX different locations : XXXX, XXXX, and XXXX. These charges were unauthorized and fraudulent. We immediately contacted Bank of America to dispute the charges, and initially, they accepted our claim. However, after conducting their investigation, they sent us a letter declining to honor our dispute, stating that the charges were made from our digital wallet. We strongly disagree with this finding, as we did not authorize these transactions. We do not have a digital wallet installed on our devices. We have since contacted Bank of America again to reopen the claim on XX/XX/XXXX, as these charges and digital wallet transactions are all fraudulent. The status of our claim is currently outstanding. Despite the ongoing investigation, we wanted to bring this matter to the attention of the CFPB, as we are concerned that high-value fraudulent transactions are occurring through digital wallet hacking. We urge the CFPB to take note of this incident and to work with Bank of America to improve their security measures and protect consumers from such types of fraud. We believe that it is essential for financial institutions to have robust systems in place to detect and prevent suspicious transactions, particularly when they involve large sums of money and multiple locations. We would appreciate any assistance or guidance that the CFPB can provide in resolving this matter. We can be reached at the email information provided if you require any additional information or documentation. 

In case it is helpful, our claim number with BOA for these fraudulent charges is : XXXX Thank you for your attention.

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 2025-09-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX for failure to provide promised credit repair services between XXXX. During this time, I paid fees with the expectation that they would review my credit reports, identify inaccurate or unfair items, and send disputes to credit bureaus/creditors as advertised on their website. 

Despite these promises, XXXX XXXX  provided little to no meaningful action. Disputes were not properly filed or followed up, and I received minimal communication. Negative and inaccurate items remained on my reports, causing continued damage to my credit. Their inaction delayed my ability to qualify for loans, including attempts to purchase a home, and resulted in financial loss, stress, and wasted time. 

This complaint relates to XXXX XXXX XXXX and XXXX XXXX, and indirectly to Loans/Mortgages due to the harm caused. I request investigation, refund of fees for services not delivered, and stronger enforcement to prevent similar harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I've been adding extra payments to the loan to pay off quick. so for it's been severl payments totalling over {$30000.00}. Each time they tack on the next months payment to the individual payment. I think to charge me extra interest. I'm on the phone today XXXX XXXX2025, trying to find out why they keep doing this. It's happened ever since my loan was sent to mr cooper from XXXX XXXX. I make all my mortgage payments on time. They say they can't reimburse me, because XXXX is experiencing high call volume. I will soon have my mortgage paid off, but, i believe they have been tacking on interest to all extra payments to the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief