vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Sued by Chase over and over 5 times because of their failure to show up to their court hearing they set up causing dismissal. XXXX XX/XX/XXXX. They kept renewing the lawsuit and judge approved my request to pay $ XXXX monthly in order to avoid bankruptcy. ( XX/XX/XXXX ). Judge ordered Chase to mail agreed payment info within60 days as well as where to send payments. Chase never sent required docs and only sent a form asking us to settle for half in a lump sum. Called 5 times from XXXX and it was still never mailed. Recently, XX/XX/XXXX, they filed a request for wage garnishment that we only learned from lawyer advertisements. Also, I never signed anything regarding relinquishing my head of household rights and there was no official judgment given in court. Potential robosigning since they have been known to do that with a lost class action. So at this point, XXXX now having to claim bankruptcy. They falsified documents with a fake signature and purposely lied about sent out false info about canceled court dates, only to find out they werent canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete.

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 2025-07-09 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: GA

Complaint narrative:
Dear CFPB, I am submitting this complaint to report inaccurate personal information found on my credit report With Equifax, Transunion, and Experian, and to request assistance in having it removed under my rights provided by federal credit laws, I have previously reported this error to the 3 main Credit Bureaus, and it has yet to be removed!

Recently, I applied to lease a house, and as part of that process, the property management company performed a credit check. Upon reviewing my credit report, I discovered that it contained incorrect personal information. Specifically, I noticed incorrect information, such as an unknown address, employer, or name variation that does not belong to me and is completely unrelated to my personal or financial history.

I believe this inaccurate information may have resulted from a reporting error or a possible file mix-up, or possible identity theft. It is important that my credit file accurately reflects my identity and history, especially when being evaluated for housing.

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 2025-07-09 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: GA

Complaint narrative:
Dear CFPB, I am submitting this complaint to report inaccurate personal information found on my credit report With Equifax, Transunion, and Experian, and to request assistance in having it removed under my rights provided by federal credit laws, I have previously reported this error to the 3 main Credit Bureaus, and it has yet to be removed!

Recently, I applied to lease a house, and as part of that process, the property management company performed a credit check. Upon reviewing my credit report, I discovered that it contained incorrect personal information. Specifically, I noticed incorrect information, such as an unknown address, employer, or name variation that does not belong to me and is completely unrelated to my personal or financial history.

I believe this inaccurate information may have resulted from a reporting error or a possible file mix-up, or possible identity theft. It is important that my credit file accurately reflects my identity and history, especially when being evaluated for housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : RE : Immediate Action Required Violation of United States Law : TILA ( Truth in Lending Act - 15 U.S.C. 1666 ( b ) ( Billing Error ) and FCBA ( Fair Credit Reporting Act ( 15 U.S.C. 1681 ( n ) : ______________________________________________________________________ The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( s ) : Creditor Name : XXXX Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] Upon recent review of my consumer credit report, I identified multiple serious billing errors in direct violation of the Truth In Lending Act ( TILA ) 15 U.S.C. 1666 ( b ). Specifically : Section 1666 ( b ) ( 4 ) : The creditors failure to properly reflect a payment made by the obligor ( myself ) or a credit issued.

Section 1666 ( b ) ( 5 ) : A computation error or similar accounting error on the statement issues by the creditor.

Further, the creditor failed to issue a proper billing statement 21 days prior to reporting any late payment, which is a fundamental violation under TILA and renders any such delinquency invalid or unenforceable. 

I hereby demand immediate correction of the following violations : 1. Provide Verifiable Proof from the creditors original accounting records, not generic system notes showing that : A payment was missed, AND That a proper billing statement was provided according to law ( 21 days prior ), OR 2. Immediate Update all referenced accounts to Paid As Agreed on my credit profile.

Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ) against your institution for investigation.

If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, XXXX XXXX XXXX XXXX. 
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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Urgent Request for CFPB Enforcement Review Wells Fargo Systemic Violation of Regulation E To the CFPB, I am now filing what amounts to my tenth complaint regarding Wells Fargo 's refusal to investigate or reimburse a clear fraud case. This is no longer just about my individual dispute. I am asking the CFPB to initiate a formal investigation into Wells Fargos systemic failure to comply with Regulation E. Claim number XXXX Despite clear federal guidelines, Wells Fargo : Repeatedly closes my fraud claims in one day or less, without evidence of good-faith investigation.

Refuses to provide any documentation of their process, despite my legal right to receive it.

Continues to claim the transactions were " authorized '' based solely on the fact that I initiated themeven though they were induced through fraud and deception.

Ignores CFPB guidance that fraudulently induced transactions can still qualify as unauthorized under the EFTA.

This is a systemic compliance failure that affects not only me but likely thousands of other Wells Fargo customers who have been misled about their rights after being scammed.

I am asking the CFPB to : Investigate Wells Fargos P2P fraud claim handling policies for possible violations of the Electronic Fund Transfer Act.

Determine whether their internal fraud dispute process violates the requirement to conduct a reasonable investigation. 
Refer this case to CFPB enforcement staff for potential regulatory action. 
Wells Fargo is failing its customers and failing to comply with federal law. Please help stop this pattern.

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 2025-07-09 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: GA

Complaint narrative:
Despite multiple letter submissions, unverified accounts listed below persist in reporting on my credit report, constituting a violation of federal law. The TransUnion Credit Bureau has yet to adhere to the Fair Credit Reporting Act ( FCRA ), and there have been no actions or responses thus far. Upon reviewing my updated credit report, it is evident that these negative accounts persist. This ongoing reporting of untruthful information is adversely impacting my credit, and it is imperative that corrective measures are taken within the timeframe stipulated by the Fair Credit Reporting Act, specifically 15 USC sections 1681. Please find below a summary of the items that continue to be displayed on my report : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) provides that a consumer reporting agency may not furnish a consumers account information without the consumers written instructions or consent.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late if it was received within 21 days after the statement was mailed. 

I request immediate removal and unlawfully reported 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 2025-07-09 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: TX

Complaint narrative:
I have discovered a late payment reported on my credit file that I believe to be inaccurate. I take great care in managing my financial responsibilities and have found no evidence to justify this derogatory mark.

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 2025-07-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
Request for Validation of Debt Pursuant to the Debt Collection Practices Act, 15 U.S.C. $ 1692g Dear Sir/Madam, I am writing to formally request validation of the debt that you claim I owe. Please note that this is not a refusal to pay, but a request for proof and clarification of the alleged debt, as provided under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am disputing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and any other late payments being reported by XXXX XXXX XXXX XXXX on a closed account ending in XXXX that was not sold, but instead internally assigned to a third party for recovery or administration. I was not properly notified of the closure, adverse action, or credit reporting. 

This derogatory reporting is inaccurate, misleading, and unfair, and appears to violate multiple consumer protection laws : Truth in Lending Act ( TILA ) : No clear billing disclosures or closure notifications were provided, as required by 15 U.S.C. 1637. 

Equal Credit Opportunity Act ( ECOA ) : XXXX XXXX failed to provide a written adverse action notice, violating 15 U.S.C. 1691 ( d ) ( 2 ).

Florida UDAP Law : This conduct violates Florida Statutes 501.204, which prohibits unfair and deceptive business practices. 

I respectfully request the removal of all late payments related to this account and correction of the credit report to reflect a fair, non-derogatory status. 

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation