vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute and express my concern regarding your continued reporting of inaccurate information on my credit report, despite multiple dispute attempts and supporting documentation I have provided.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), also known as Code 1620 O, credit reporting agencies are required to conduct a reasonable reinvestigation of any item in a consumers file that is disputed. You are also legally obligated to delete or correct inaccurate, incomplete, or unverifiable information within 30 days of the dispute filing.

To date, you have failed to delete the incorrect item ( s ), which are clearly inaccurate and have been disputed in writing with supporting evidence. Your inaction is a violation of the FCRA and is causing ongoing harm to my creditworthiness, emotional distress, and potential financial loss. 



I am requesting that you : 1. Immediately delete the inaccurate item ( s ) from my credit report.

2. Provide a written confirmation of the actions taken as a result of this complaint.

3. Cease and desist from further reporting of the disputed information unless it can be fully verified.

Should you fail to take immediate corrective action, I reserve the right to pursue legal remedies and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 



Please consider this letter formal notice of your violation, and govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
What happened? 
I am submitting a formal complaint against XXXX XXXX XXXX XXXX ( PenFed ) regarding an auto loan repossession under Account # XXXX and the subsequent reporting of this account to the credit bureaus. 

The vehicle tied to this account was repossessed, but I was not provided with proper and timely notice regarding the repossession or the sale of the vehicle, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, creditors are required to : Send a written XXXX Right to Cure Notice before taking possession. 

Notify the borrower of their right to redeem the vehicle before sale. 

Conduct a commercially reasonable sale, and provide a full accounting after the sale. 

To date, I have not received any of these notices or supporting documentation. If XXXX failed to follow these steps, any deficiency balance is unenforceable under Massachusetts law, and the credit reporting is inaccurate and misleading. 

Additionally, reporting this repossession and balance without validating compliance with applicable state repossession law violates the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that is known or should be known to be inaccurate.

FCRA 611 ( 15 U.S.C. 1681i ) failure of the credit bureaus to reasonably investigate my dispute. 

This inaccurate reporting has caused significant damage to my creditworthiness and is not a true reflection of the facts surrounding the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
What happened? 
I am submitting a formal complaint against XXXX XXXX XXXX XXXX ( PenFed ) regarding an auto loan repossession under Account # XXXX and the subsequent reporting of this account to the credit bureaus. 

The vehicle tied to this account was repossessed, but I was not provided with proper and timely notice regarding the repossession or the sale of the vehicle, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXreditors are required to : Send a written XXXX Right to Cure Notice before taking possession. 

Notify the borrower of their right to redeem the vehicle before sale. 

Conduct a commercially reasonable sale, and provide a full accounting after the sale.

To date, I have not received any of these notices or supporting documentation. If XXXX failed to follow these steps, any deficiency balance is unenforceable under Massachusetts law, and the credit reporting is inaccurate and misleading. 

Additionally, reporting this repossession and balance without validating compliance with applicable state repossession law violates the Fair Credit Reporting Act ( FCRA ), particularly : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information that is known or should be known to be inaccurate.

FCRA 611 ( 15 U.S.C. 1681i ) failure of the credit bureaus to reasonably investigate my dispute. 

This inaccurate reporting has caused significant damage to my creditworthiness and is not a true reflection of the facts surrounding the account.

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, Chase reduced my credit limits by {$4100.00} across my two personal credit cards ( XXXX and XXXX ), and by {$1400.00} on my business credit card. In the letter they provided, Chase claimed this decision was based on tax liens, judgments, public records, or returned payments. None of these apply to me. 

I have : No tax liens No judgments No public records No returned payments on any Chase account My credit score is currently XXXX, and Ive worked extremely hard to improve my personal and business credit profiles. My balances have been paid down consistently, and my credit utilization has been kept in a healthy range. 

Despite that, Chase did not give me any evidence or clarification on where these so-called issues came from. I requested follow-up in person at my local branch and through the phone, and no one could tell me what report showed a lien or judgment. I never received a return call. 

I feel I was treated unfairly and targeted without proper review. The reduction in credit limits has hurt my score and affected my ability to apply for a business loan. I am asking CFPB to review this and request that Chase provide a clear explanation or reverse the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: FL

Complaint narrative:
Your company is illegally trying to extort me via mail and extension of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo Bank due to their repeated failure to provide critical tax documentsspecifically, 1099-INT forms or alternative proof of interest income and tax withholding for XXXX and XXXX my persistent efforts. This issue has prevented me from filing a tax refund claim with the IRS before the XX/XX/XXXX, deadline for my XXXX taxes, potentially causing financial loss. 

Background : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, residing in the XXXX since XXXX. From XXXX to XXXX, I was a XXXX XXXX  and under U.S. tax law, my bank interest income should be tax-exempt. I hold multiple accounts with Wells Fargo, including numerous Time Accounts ( Certificates of XXXX ), with known account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, Wells Fargo did not request a XXXX form when these accounts were opened, resulting in 30 % of my interest income being withheld in XXXX and XXXX. I submitted a XXXX in XX/XX/XXXX to correct this, but Wells Fargo failed to update my accounts, necessitating another submission in XX/XX/XXXX. After the XXXX submission, I successfully received a XXXX refund via Form XXXX, but I still lack the XXXX and XXXX records needed for prior refunds. 

Efforts to Resolve : I have made exhaustive attempts to obtain these documents : Phone Calls : I called Wells Fargos toll-free numbers ( including XXXX ) multiple times, but all calls were answered by automated systems with no option to speak to a human representative, preventing meaningful assistance. 
Branch Visits : I visited two branchesXXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX several occasions, but staff were unable to provide the requested XXXX forms or resolve the issue. 
Online Banking : I attempted to use the Secure Message feature on Wells Fargos online banking platform to request the documents, but the function is currently unusable, leaving me with no viable communication channel. 
Impact : With the XX/XX/XXXX, IRS deadline approaching, I urgently need the XXXX forms for XXXX and XXXX to file Form XXXX and claim a refund for taxes improperly withheld from my Time Accounts interest income. Wells Fargos failure to provide these documentscompounded by their negligence in processing my XX/XX/XXXX XXXX submission and lack of accessible customer supporthas left me unable to meet this deadline, risking significant financial loss.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I've 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am requesting that late payments and hard inquiries that I dont recognize to be removed.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a child support account with the Office of the Attorney General opened on XX/XX/XXXX, a loan account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting documentation and a letter from an advocacy group assisting me due to Debt Bondage, which is recognized as a form of XXXX under the XXXX XXXX Final Rule 1002.142 ( b ) ( 5 ) 1002.142 ( b ) ( 7 ).

Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of debt bondage and request that the following accounts be blocked and deleted : Account # XXXX Balance : {$29000.00} Account # XXXX Balance : {$1300.00} Account # XXXX Balance : {$1100.00} Account # XXXX Balance : {$1300.00} Account # XXXX Balance : {$5900.00} Account # XXXX Balance : {$830.00} Account # XXXX Balance : {$2300.00} Account # XXXX Balance : {$770.00} Account # XXXX Balance : {$740.00} Account # XXXX Balance : {$640.00} Account # XXXX Balance : {$1800.00} * Acct XXXX - Bal. {$24000.00} * Acct. XXXX- XXXX. {$2100.00} * Acct. XXXX Bal. {$1400.00} * Acct. XXXX XXXX. {$2300.00} * Acct. XXXX XXXX. {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The company provided only letter of requesting more time, and cheap explination of the reason they close the account for innactivity, but the customer ( myself ) never close the account as the report shows at XXXX XXXX XXXX XXXX.. 

Even the policy of the credit card do not stablis any rules if by inactivity we the bank wells fargo will close the account as customer request. 

Also the lack of communication of this bank, they never reach me out email or mail.. only after this incident started. When the credit card arrived on the mail the only thing included was the card with some kind of statement of microcenter, and limit, but nothing else regarding policy.

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 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and all records of communication with Credence Resource Mgmt if applicable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On or about XX/XX/XXXX i called Transunion Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I ask that these inquiries be removed immediately per FCRA 605B ( 15 USC 1681c-2 ) and 15 USC 1681b . The inquiries in question are as follows : XXXX ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
FCRA violations Never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXXXXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$18000.00} XXXX XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance Never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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