vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am sending this complaint in accordance with the Fair Credit Reporting Act. The accounts and inquiries listed on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Specifically, 15 U.S.C. 1681 Section 602 ( a ) affirms my right to privacy, and 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including adverse items in a consumer report that are not accurate or properly verifiable, except for certain crime records older than seven years. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from providing information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. The reporting of these accounts and inquiries violates these federal provisions and misrepresents my credit history.

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 2025-11-10 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: AL

Complaint narrative:
I am sending this complaint in accordance with the Fair Credit Reporting Act. The accounts and inquiries listed on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Specifically, 15 U.S.C. 1681 Section 602 ( a ) affirms my right to privacy, and 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including adverse items in a consumer report that are not accurate or properly verifiable, except for certain crime records older than seven years. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are prohibited from providing information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. The reporting of these accounts and inquiries violates these federal provisions and misrepresents my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Unauthorized Fees and Misrepresentation on Arvest Money Market Account Account Number : XXXX Account Name : XXXX Customer Name : XXXX XXXX XXXX : XXXX Complaint : When I opened my checking account at Arvest Bank, the teller recommended that I also open a Money Market account, assuring me that it would be very convenient and completely free of any fees. 

However, without my consent or prior notice, Arvest deducted {$20.00} in unexplained fees from my checking account, and the XXXX XXXX account now shows an additional {$10.00} fee. In total, I have been charged {$30.00}, which was never disclosed or authorized. 

I believe this constitutes misrepresentation and unauthorized account charges. When the account was opened, I was never informed that this XXXX XXXX account would have any monthly or maintenance fees. 

Requested Resolution : Refund the total {$30.00} in fees charged to me. 

Immediately close the XXXX XXXX account. 

Thank you for your attention to 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
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to DOVENMUEHLE MORTGAGE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), DOVENMUEHLE MORTGAGE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since DOVENMUEHLE MORTGAGE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure DOVENMUEHLE MORTGAGEs immediate compliance with FCRA DOVENMUEHLE MORTGAGE XXXX requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
Im filing this complaint because XXXX XXXX XXXX  keeps reporting late payments that they have never verified or backed up with any proof. Every time I dispute it, all I get back is the same automated verified response but verified how? Verified with what? Theres no documentation, no bank statements, no proof of payment history, and no written validation. 
Lets be clear if XXXX XXXX cant show me actual bank statements or transaction records to prove these late payments, then this is hearsay, plain and simple. Youre reporting false information and calling it verified. Thats not how the law works.

Now, the credit bureaus keep sending back responses saying I claimed identity theft or that Im working with a credit repair company. Where in any of my disputes did I ever say that? Show me where. I never claimed identity theft, and even if I was working with someone to help me understand this process so what? Somebody needs to, because you all are making billions of dollars selling and collecting consumer data, and you cant even get the information right. Youre blatantly doing people wrong and hiding behind automated systems and template replies.

This is not just inaccurate its a violation of federal law under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. The entire system is supposed to ensure factual accuracy, not guesses. Youre reporting serious negative information without evidence, and thats a problem.

This violates : FCRA 607 ( b ) duty to ensure maximum possible accuracy ; FCRA 611 ( a ) ( 1 ) ( A ) duty to reinvestigate disputed information ; FCRA 611 ( a ) ( 5 ) ( A ) unverifiable information must be deleted ; FCRA 623 ( a ) ( 1 ) ( A ) can not report information known or believed to be inaccurate ; FCRA 623 ( a ) ( 3 ) must report accounts as disputed once notified ; Metro 2 Manual 4.2.2, 4.3.1, 6.2.1 require factual documentation and proper dispute coding.

This isnt a joke this is my livelihood. False late payments can ruin someones chances to buy a home, get a car, or even rent an apartment. If youre going to report negative information about me, then you better have proof not just an automated verified reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
FRAUD BLOCK & IDENTITY THEFT NOTICE Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax Experian Subject : URGENT FRAUD BLOCK & IDENTITY THEFT AFFIDAVIT THIRD ATTEMPT INVESTIGATION Creditor/Furnisher : XXXX XXXX XXXX Reporting Party : XXXX XXXX XXXX XXXX CRA division ) Dear XXXX Representative XXXX This letter serves as my third formal attempt to notify you that the account being reported by XXXX XXXX XXXX is the result of identity theft and fraud. I did not authorize, open, or receive any benefit from this account. The reported balance of {$6500.00} is fraudulent and must be blocked and permanently removed from all of my credit files and consumer reporting databases.

I am exercising my rights under : 15 U.S.C. 1681c-2 ( FCRA 605B ) Mandatory Fraud Block 15 U.S.C. 1681i ( a ) ( XXXX ) Duty to Delete or Modify Inaccurate Information After Reinvestigation This account was opened or used without my knowledge or consent. I am a victim of identity theft. 

Under federal law, XXXX is required to : Block the fraudulent information within five ( 5 ) business days, Conduct a lawful and complete reinvestigation, and Provide written confirmation of deletion and/or corrective actions.

Failure to comply is a violation of the Fair Credit Reporting Act and exposes your organization to civil liability, including statutory damages, punitive damages, and attorneys fees. Continued reporting of fraudulent data after notice constitutes willful noncompliance. 

IDENTITY THEFT AFFIDAVIT Victim 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 XXXXXXXX Amount : {$6500.00} Nature of Dispute : Fraudulent Account / Identity Theft Block Legal Basis : FCRA 605B, 1681i ( a ) ( 5 ) DEMAND FOR REMOVAL + NOTICE OF FINES This is an official demand for immediate deletion of all fraudulent data being reported.

Noncompliance may result in enforcement remedies including : Statutory penalties up to {$1000.00} PER violation, Civil penalties up to {$10000.00}, Additional damages under FCRA 616 and 617. 

Because this is my third documented dispute, your failure to act will constitute willful negligence under federal law. 

REQUIRED ACTION Please send written confirmation that : The fraudulent account has been blocked, The information has been permanently deleted under 1681i ( a ) ( 5 ), No reinsertion will occur without full compliance with FCRA reinsertion procedures ( 611 ).

Thank you for your prompt cooperation and compliance with federal identity theft protections. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: OR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. 
However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX, XXXX, HI, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-10 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: AR

Complaint narrative:
I am submit a third-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several issues remain unresolved, inaccurately reported, or unverifiable. These discrepancies misrepresent my true credit history and present an incomplete and misleading picture of my financial responsibility. 
XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$11000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I formally request a comprehensive reinvestigation of all disputed items. Each item should be thoroughly reviewed removed as required by federal law to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2025-11-10 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: OR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. 
However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX, XXXX, HI, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XXXXXXXX XXXX XXXX, transactions I disputed on my Chase checking account was reversed, leaving my account with a negative balance of - {$240.00}. Chase previously removed {$39.00} as a courtesy, but the remaining negative balance remains. I contacted Chase immediately and explained that I am XXXX and currently unemployed, and requested that they review the situation and place a hold on the account closure. They refused, stating that accounts are automatically closed after 60 days of being negative. 

I rely on my checking account for essential financial transactions, and losing access to it will cause serious hardship. I am asking that Chase fully remove the negative balance of {$190.00} and prevent the account from being closed, given my verified XXXX and financial situation. I have supporting documentation ( SSI/disability verification and account statements ) to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am filing a complaint about unauthorized ATM withdrawals from my Ally Bank checking account. I never received or activated a debit card from Ally, but someone stole the card that was mailed to me without my knowledge. On XX/XX/year>, two withdrawals of {$500.00} each were made, and another {$500.00} withdrawal occurred on XX/XX/year>, all from a " XXXX XXXX XXXX ATM located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ''. I immediately reported the fraud to Ally as soon as I discovered the transactions and opened a dispute. I have never used my Ally account to make any withdrawals or transfers and only to receive money. from XXXX Ally informed me the case is under review, but I am filing this complaint to ensure my claim is properly handled under Regulation E and that I am reimbursed for the total {$1500.00} taken without my authorization.

I am requesting that Ally fully investigate these transactions and coordinate with XXXX XXXX XXXX to obtain or if they can obtain any available ATM surveillance footage from those dates and times. That video would clearly show the person who used my stolen card, which would prove I had no involvement. I can provide ID or any other proof needed to confirm my identity. I am filing this complaint to ensure my case is handled properly under Regulation E and that I am reimbursed for the {$1500.00} taken without my authorization.

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