vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 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: FL

Complaint narrative:
Several unauthorized and inaccurate items appeared on my credit report, including multiple account listings I do not recognize, outdated address variations, and a hard inquiry I never authorized. On or around XX/XX/2025, I reviewed my credit report and found several entriesincluding accounts from creditors like XXXX XXXX XXXX XXXX XXXX XXXX XXXX and multiple variations of XXXX XXXX  and XXXXthat were either duplicated, unverifiable, or unfamiliar to me. Some accounts were listed more than once with inconsistent information, while others were completely unknown, and I have never been provided supporting documentation such as original contracts or billing statements to prove their legitimacy. I also identified a hard inquiry from XXXX dated XX/XX/2025, which I never consented to, violating my rights under FCRA 604. Despite my previous dispute efforts, these issues have not been resolved, and I am continuing to suffer the consequences of these incorrect and damaging entries.

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 2025-07-22 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: MS

Complaint narrative:
Addresses are fraudulent an shouldn't be on my credit report 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 2025-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Acceptance Corporation
State: OK

Complaint narrative:
I have talked to XXXX XXXX, I HAVE NEVER had a XXXX  card iny name, EVER. 
XXXX XXXX and made an agreement for the loan payment, I will not pay a XXXX XXXX  because they have sold it to multiple companies for this same debt and should be removed from my credit, I did NOT make, agreed to pr sign any agreement with either XXXX of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am 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 2025-07-22 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: CT

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions XXXX XXXX, DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX ( Application for XXXX XXXX XXXX XXXX Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for XXXX Consumer Financial Protection Bureau

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 2025-07-22 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: TX

Complaint narrative:
XXXX'I sent a certified letter to Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   it shows the delivery date of XXXX XXXX XXXX XXXX XXXX XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TN

Complaint narrative:
I recently looked at my credit report and found multiple Inquiries that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent Inquiries from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentInquiries below. XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/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 2025-07-22 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:
I disputed a few items on my credit bureau from Trans Union and after their investigation, it came back verified. I discussed it with them about the verification process because I know what an accurate they inform me all they have to do is have company that is reporting it to to verify this accurate no validation is required but Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance as affirmed in XXXX XXXX TransUnion Corp XXXX XXXX XXXX XXXXXXXX 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 2025-07-22 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'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX Experian, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered several late payment entries that I believe are inaccurate, and despite sending formal validation requests over XXXX days ago, I've received no response and no satisfactory validation. This extended silence regarding these disputed entries is concerning as they continue to negatively impact my credit score and financial opportunities, creating ongoing hardship that could have been prevented with proper attention to my initial inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I bought a home XX/XX/year> @ {$120000.00} and now to date my mortgage balance is {$170000.00} and when I pay my loan only {$76.00} goes towards my principle. A little over a year ago Wells Fargo forced and threatened me to do a loan modification because they told me that since 2004 I had XXXX total missed payments and they needed them paid in full within 30 days. It was impossible for me to come up with the lump sum. At the time my interest rate was 3.875 %. They said they would not foreclose if I did a loan modification@ 6.875 %..... I felt my back was against the wall as I have a XXXX husband that can not help much. I tried to explain my situation and they didn't want to hear it. I'm struggling to make my new mortgage now and every time I call and try to explain if something can be done they put me on hold and eventually hang up. I've even gone to the Wells Fargo branch and they tell me I have to call the 1-800 number because the branch doesn't help with mortgages. I'm at a loss of what to do and feel like the way things are set up that my mortgage always stays at a steady {$170000.00} Mind you these were not XXXX missed payments in a row, they were XXXX missed over a period of 20 years. Please can someone help me? Also I was not aware of these missed payments at the time they told me. Also when I asked them for a Amortization payment schedule for every payment I've ever made they said to request through an email so I did and never got a response. Something just doesn't seem right.

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 2025-07-22 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: FL

Complaint narrative:
Several negative accounts and inquiries are showing up on my credit report that I do not recognize or authorize. I have never received proper validation or documentation from the original creditors to prove that these accounts are accurate or even belong to me. Some accounts are listed as charge-offs or in collections with amounts and dates that do not match my records. There are also multiple hard inquiries from companies Ive never applied with, which I believe were done without my permission. I have already tried disputing these items in the past, but they continue to report inaccurate or unverifiable information. This has caused unnecessary damage to my credit and made it harder for me to qualify for financial opportunities. I am requesting a thorough investigation and for these accounts to be removed if they can not be fully verified with proper documentation.

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 2025-07-22 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: CL Holdings LLC
State: GA

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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against JPMorgan Chase for the mishandling of a credit card dispute which has resulted in financial loss to my business. 

In XXXX  I completed work for a contractor who paid me using a credit card. The contractor signed off that all work was completed to satisfaction. Please find the signed contract and related documentation attached.

Over 12 months later, the credit card holder disputed the charge. Chase immediately reversed the funds from my account and closed the case without requesting any documentation or notifying me.

I called Chase multiple times and was met with no support. Eventually, an
executive case was opened under ticket XXXX, but I did not receive timely updates. When a representative finally returned my call, he confirmed that he had not reviewed any documentation and that internal decisions had already been made without external review or justification.

This is a violation of fair banking practices and demonstrates a lack of due process. I am seeking : Immediate re-investigation of this dispute Restoration of the funds withdrawn from my account Review of Chases internal dispute processes for fairness and compliance with federal regulations Thank you for your attention to this matter. I am including all supporting documentation with this complaint and request that this case be reopened and investigated thoroughly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
yesterday, XX/XX/XXXX, I had XXXX of the most frustrating and disappointing experiences with XXXX XXXX XXXX. I received a prepaid gift card, and from the very first attempt to use it, things started going downhill. After every single purchase, the card kept decliningeven though there was still money on it. I tried using it multiple places and double-checked that the balance shouldve been sufficient. Still, decline after decline. 

So, I called XXXX customer service expecting some sort of help or explanation. Instead, I was passed around to multiple representatives, none of whom could clearly tell me what was wrongjust vague responses about an activation issue. Then I was told Id need the original purchase receipt to resolve the issue. The problem? The card was a gift. Obviously, I dont have access to the receipt, and the person who gave it to me doesnt have it anymore either. 

From there, the situation went from bad to worse. I called XXXX againseveral times. I was hung up on more than once. No one could direct my call to the right department. Finally, someone told me to send my information and proof of the issue to an email address which turned out to be invalid. Yes, they told me to send my personal details and supporting documents to an email address that doesnt even work. 

At this point, XXXX stuck with a card that has money on it but wont work, and a company that clearly doesnt care about resolving the issue or providing actual customer support. No accountability, no follow-up, and no real way to get help. Its incredibly frustrating and feels like a complete scam. 

Do better, XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
According to 15 USC 1681 c-2 and 1681 s-2 you have broken the law by reporting this information on my report knowing it is inaccurate. Remove this fraudulent information from my report immediately. 

XXXX XXXX XXXX Acct : XXXX, Bal- {$300.00}, Opened : XXXX XXXX Mechanics Bank XXXX XXXX Acct XXXX XXXX, Bal- {$0.00}, Opened : XX/XX/year> XXXX XXXX-Acct : XXXX XXXX XXXX {$0.00}, Opened : XXXX XXXX

Company response to consumer: Closed with non-monetary relief