vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I did not consent to authorize or benefit from any of the following accounts. Block and Remove these. Please remove all fraudulent inaccurate accounts on my credit report as i have no knowledge of any of these accounts due to identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days constitutes a reason to promptly delete the information from my credit file in reference to FCRA ( USC ) 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
I contacted this rude agency for a verification of debt and settlement offer which I have never received. They refused to settle. I have explained my hardship. When I call they state they are going to suspend my license and garnish my checks. I called today for the amount due and I was informed twice they are unable to verify my amount and then state I ow {$7000.00} + amount. I request to settle and tried to explained my hardship and the representative told me they wont settle and she hung up. I called back and was informed the same thing. This is ruining my credit and my well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

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 2025-09-17 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:
This entry does not align with my established payment record and seems inaccurate. I request that it be deleted or corrected. The item mischaracterizes my financial behavior and should be reviewed accordingly.

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding the restriction and impending closure of my business account with Chase Bank. This action was taken suddenly and without prior notice, leaving me with no access to company funds, no ability to make deposits, receive payments, or cover essential financial obligations. 

I was informed that my account was restricted because Chase intends to close it. This is unacceptable. This account is critical for the daily operation of my business, including the payroll of XXXX employees and payments to over XXXX suppliers. Your decision has directly disrupted my companys operations, jeopardized contractual obligations, and caused significant stress at a time when I am also under medical rest. 

I was told I must wait 10 business days to access the funds, plus additional delays for check clearance with another institution. Such a delay is unreasonable and harmful, as it prevents me from meeting urgent financial responsibilities that sustain my employees and suppliers. 

Let me be absolutely clear : I am demanding a full and transparent explanation of this decision, including : The specific reasons why my business account is being closed. 

The exact dates when this decision was made and implemented. 

The transactions or alleged activities that triggered this restriction and closure. 

I will not accept a vague response such as company policy. In the past, Chase had no issue applying excessive fees and charges to this account without justification under policy. Therefore, I expect the same level of accountability and detail regarding this closure. 

In addition, due to the serious harm caused to my business, my employees, my suppliers, and myself, I am demanding financial compensation for the damages, delays, and distress caused by this unjustified action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: AR

Complaint narrative:
I HAD MY CREDIT PULLED FOR A MORTGAGE LOAN AND LEARNED OF THE INACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Penfed keeps trying to collect on a fraudulent debt that they sold PenFed sold this to XXXXXXXX XXXX XXXX  and they investigated the debt and found it to be fraudulent and so they removed the debt. I asked Penfed for proof that they still owned the debt. This debt needs to be removed from all of my credit reports. I sent penfed my police and fraud report. Including passport over XXXX times.

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 2025-09-18 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: NC

Complaint narrative:
I received a notification about an account i have no knowledge about. Account XXXX XXXX XXXX appears in my credit report as a collection. This account is not mine and is really affecting my credit score.

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 2025-09-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Subject : Request for Full Discharge of Student Loans Due to Mohela Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by Mohela due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options.

Mohela misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was automatically put in forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Mohela has a history of misreporting my payment status to credit agencies, severely damaging my credit score.

I have called several times and found it difficult to get through to talk to a person about my options.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am a Wells Fargo checking and savings account holder. I have been with your bank several years. I have had multiple issues over the years with my debit card being compromised and having to have a new card issued. Not too long ago, there were charges made on my account in New York on XX/XX/XXXX. I am a resident of Pennsylvania and have not been to New York for a very long time. The charges added up to {$400.00}. I am a XXXX XXXX  at the XXXX XXXX XXXX XXXXXXXX XXXX XXXXand I work XXXX XXXX and had worked the XXXX XXXX from XXXX XXXX and then went away to visit my boyfriend 's parents in XXXX Pa on XX/XX/XXXX. These charges are from the XXXX, NY, XXXX, NY, and XXXX XXXX. NY. I could not have been in these areas all in XXXX day and make XXXX charges. They were at XXXX XXXX XXXX XXXX  XXXXXXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Why would I go to all of these different stores in 1 day in an area that is over XXXX and XXXX hours from my home. The case was denied because your fraud department said the chip was used to make these purchases? really? because my card was in Pennsylvania with me. Also, they denied the first claim and then called me told me they were re-opening the claim because they had indication that someone tried to open up a card in my name. The claim was denied a second time!!! 
I feel, in order to prove it was me, you need to look at camera footage at all of those stores and see if I am actually the one using the card. I noticed first thing on the next morning XX/XX/XXXX that there were all of these fraudulent charges and called right away. The case number assigned is XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and certainly did not drive to the XXXX or XXXX XXXX and shop at XXXX different stores. If you look at my account I have NEVER purchased anything in any of those areas!!!

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 2025-09-17 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: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson has not provided original creditor documentation or assignment records proving ownership. 
Reporting without validation violates FCRA 623 ( a ) ( 3 ). Per 611 ( a ), this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
i recently look at my credit report and all the accounts was fraudlent accounts

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 2025-09-17 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 recently look at my credit report and all the accounts was fraudlent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I got approved for a XXXX from Concora credit in XXXX of XXXX. They sent my card to my previous address. When I applied I put in my current address, plus I did an address change a year and a half before I applied for this card. When I realized it wasnt received I called. Found out they sent it to the wrong address. They said they would send me a new card. Then I received a letter saying they put a block on the card for fraudulent addresses. Called again. They said to upload my drivers license. I did. Got another letter saying it was still blocked. Uploaded license again. Calling back. They cant confirm if they received the upload document. They are continuing to charge me a XXXX XXXX  monthly fee for a card I have not received. They did wave the first XXXX months. They are extremely unhelpful. I want to close the account, but dont want my credit impacted

Company response to consumer: Closed with explanation