vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: TN

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 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 2025-06-11 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: TN

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 2025-06-11 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Account Number XXXX Balance : {$450.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$55.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$11000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$210.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$3500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$670.00} Open Date XX/XX/XXXX XXXX & XXXX Account number XXXX Balance {$370.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I am filing this report to formally state that multiple bank accounts were opened and operated without my knowledge, authorization, or involvement. 

I did not open, maintain, manage, or close any of the accounts listed in this report. These accounts were created using my personal identifying information without my consent. I have never received funds from these accounts, nor have I had any control over their activity. 

To support this claim, I am in the process of filing a police report and submitting identity theft documentation, including an FTC Identity Theft Report. 

I am requesting that these unauthorized accounts be fully removed from my consumer profile and any associated databases. These entries are fraudulent and damaging to my financial reputation, and I am taking all legal steps necessary to rectify the situation. 

Thank you for your cooperation in investigating and resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Wed XXXX XXXX refund from XXXX amount XXXX XXXX the wells fargo kept it On Wed XXXX XXXX at a ATM i made Deposit of XXXX they kept it. next they charge me a overdraf fee of XXXX also a XXXX refund of XXXX they kept it later i called wellsfargo they told i only have XXXX on my balance that is a lie. they should return all my refunds from XXXX and my deposit XXXX and that XXXX overdraft fee back to my XXXX XXXX a total of XXXX also i only get ssi of XXXX each month i calulated i only spend XXXX wellsfargo owes me XXXX plus XXXX refunds and depoit and the over draf fee of XXXX something needs to be done!

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-06-11 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I opened a Chase account on XX/XX/XXXX and deposited my paycheck via mobile deposit on XX/XX/XXXX. I was not notified in advance that a 9-day hold would be placed on my funds.

This unexpected hold caused financial hardship, and Chase has not offered any way to expedite or partially release the deposit, despite repeated calls, in-person visits, and direct contact with the Executive Office . 

I have a second paycheck being deposited on XX/XX/XXXX that I now can not access either. Chase has refused to cancel the deposit, release funds, or provide an alternative solution. 

I have also been ignored in private messages after being contacted by their social media team. 

I am requesting immediate release of funds or assistance in resolving this hardship. Their lack of transparency and inaction is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be updated and if you are unable to provide me a copy of the verifiable proof, you must update the account listed below. 

I demand that the following account be verified or update immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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 ( s ) 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 ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} Date Opened : XX/XX/year>.

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 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Between XXXX and XXXX, I borrowed XXXX private student loansdisbursed directly to The XXXX XXXX XXXX XXXX XXXX pay for my XXXX XXXX XXXX XXXX XXXX XXXX. The disbursements were : {$19000.00} on XX/XX/XXXX {$19000.00} on XX/XX/XXXX {$10000.00} on XX/XX/XXXX {$10000.00} on XX/XX/XXXX09/26/2007 These loans were taken based on the schools claims that over 83 % of graduates found work in their field within six months and earned average starting salaries above {$36000.00}. The school also promised strong career services and partnerships with major companies. None of these promises were fulfilled. I received no meaningful job placement help, and I have never worked in a job related to my degree. The school was later found by the U.S. Department of Education to have engaged in widespread fraud and misrepresentation. In XX/XX/XXXX, the Department of Education discharged my federal student loans and refunded prior payments under Borrower Defense, based on this same misconduct. I then submitted a formal application to my private loan servicer requesting discharge of my private loans on similar grounds. I provided detailed supporting documents, including the DOE discharge approval letter, loan statements, promotional materials from the school, and a detailed statement of harm. I have submitted this application four times, and each time it has been denied without any explanation from the lender. I have followed all instructions and contacted the servicer for clarification, but I continue to receive generic denials with no justification or appeal process offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: 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 ( s ) 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 ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} Date Opened : XX/XX/year>.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I used Venmo to pay {$200.00} to an electrician for services, the owner claimed he wasn't able to access his Venmo account. I called Venmo and requested they reverse the transaction. I followed their instructions which involved the owner calling and giving permission to reverse the transaction. He was told the transaction was reversed. It shows on my account it was refunded, but Venmo never gave me the credit. It doesn't reflect in my Venmo balance nor does it reflect in my XXXX XXXX account. I called 6 days after the transaction and was told it takes 1 week to get the credit. On the XXXX day after not getting the money I called XXXX again and asked if there was a problem. After sitting on hold over XXXX minutes, XXXX replied that it was under investigation and it would be at least 10 days before they could respond. I called back and talked to XXXX and asked if he could tell me when I should expect the credit. He said he could not. How is it that Venmo can debit my account almost immediately, without any interaction from XXXX, but they can't give me my money back just as easily? Venmo does not have to collect the money from anyone, it's a reversed transaction! There is no reason for any delay. I need the money to pay for the services I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am writing to dispute the inclusion of several accounts on my credit report that I did not authorize or initiate. These accounts were opened without my knowledge. Under 15 U.S.C. 1681g, I request their permanent deletion within 15 days. Attached are documents supporting my claim.

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