vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
I am reaching out because my credit file continues to display information that does not belong and is causing ongoing harm to my financial reputation. These items are not simply errors to be fixed they are fundamentally inaccurate and unlawful, and therefore must be permanently deleted from my record in compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 
My experience reflects what many honest consumers endure : accounts showing as if I still owed something, when in fact they are closed with XXXX XXXX : {$0.00}, and inquiries that I never authorized. Allow me to outline the specific problems : The first problem involves late closed accounts that remain reported, despite showing XXXX balances : XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * The continued presence of these accounts violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because furnishers may not report information they know is inaccurate. It also violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires unverifiable information to be removed, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under 605B / 15 U.S.C. 1681c-2, I also have the right to block information resulting from identity theft or other invalid reporting. 
The second problem is with charge-off accounts that still appear, even though they also show Balance Owed : {$0.00} : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * * Reporting a charge-off with no balance owed is misleading, incomplete, and unlawful. Keeping these on file violates FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611 ( a ), and 605B / 15 U.S.C. 1681c-2. 
Lastly, there are unauthorized inquiries in my file that I never consented to : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without permissible purpose and are violations of 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q ( false pretenses ), and FCRA 604 ( f ) / 15 U.S.C. 1681b ( f ) together with FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) ( limiting access to files without consent ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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 reaching out because my credit file continues to display information that does not belong and is causing ongoing harm to my financial reputation. These items are not simply errors to be fixed they are fundamentally inaccurate and unlawful, and therefore must be permanently deleted from my record in compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 
My experience reflects what many honest consumers endure : accounts showing as if I still owed something, when in fact they are closed with XXXX XXXX : {$0.00}, and inquiries that I never authorized. Allow me to outline the specific problems : The first problem involves late closed accounts that remain reported, despite showing XXXX balances : XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * The continued presence of these accounts violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because furnishers may not report information they know is inaccurate. It also violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires unverifiable information to be removed, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under 605B / 15 U.S.C. 1681c-2, I also have the right to block information resulting from identity theft or other invalid reporting. 
The second problem is with charge-off accounts that still appear, even though they also show Balance Owed : {$0.00} : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * * Reporting a charge-off with no balance owed is misleading, incomplete, and unlawful. Keeping these on file violates FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611 ( a ), and 605B / 15 U.S.C. 1681c-2. 
Lastly, there are unauthorized inquiries in my file that I never consented to : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without permissible purpose and are violations of 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q ( false pretenses ), and FCRA 604 ( f ) / 15 U.S.C. 1681b ( f ) together with FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) ( limiting access to files without 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 2025-10-03 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It XXXX Concern : I am filing a complaint against Wells Fargo Bank , N.A . ( WFBNA Card ). This creditor is reporting late payments and a charge-off on my credit report. However, under 15 U.S.C. 1666b, a creditor XXXX not treat a payment as late unless the billing statement was mailed or delivered at least 21 days before the due date. 
Wells Fargo has not provided proof of compliance with this requirement. Reporting late payments and a charge-off without this proof is unlawful and violates the Fair Credit Reporting Act ( FCRA ) as well.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-03 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: NY

Complaint narrative:
I am submitting this third follow-up complaint because inaccurate and disputed information remains on my credit file despite my prior disputes. The credit reporting agencies and furnishers have not corrected or removed the following errors : XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX ) These addresses are inaccurate and should not be listed under my profile. Their continued reporting is misleading and violates the Fair Credit Reporting Act. Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of information. 
XXXX Bank XXXX. | Date : XX/XX/XXXX This inquiry was specifically included in my dispute but remains on my report. The credit bureaus failed to properly reinvestigate and correct this item, which is a violation of FCRA 611 [ 15 U.S.C. 1681i ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
My credit reports with TransUnion, Experian, and Equifax are fundamentally inaccurate and contain numerous, widespread violations of the Fair Credit Reporting Act ( FCRA ). The bureaus have failed in their duty to ensure the maximum possible accuracy of my data, resulting in a credit profile that is unreliable, contradictory, and damaging. 
The inaccuracies are systemic and fall into several major categories : XXXX. Inconsistent and Inaccurate Personal Information : My identity is misrepresented across the XXXX bureaus. Equifax lists my name with incorrect variations ( " XXXX XXXX XXXX '' ), and there are XXXX different, conflicting " current '' addresses listed across my reports. This demonstrates a fundamental failure to maintain accurate identifying information. 
XXXX. Directly Contradictory Account Statuses and Balances : The bureaus report factually impossible information for the same accounts. For example : XXXX : Experian reports this account as " Open '' with a " {$0.00} '' balance, while TransUnion and Equifax report it as " Closed, '' " Late 60 Days, '' and with a " {$420.00} '' balance. 
XXXX ( XXXX XXXX ) : Equifax reports these loans as " Paid '' and " Current ''. This directly contradicts TransUnion and Experian, which report them as " Open '' and severely delinquent ( " Late XXXX Days '' ). Furthermore, Equifax 's own 7-year history summary shows XXXX instances of XXXX day lates, which is impossible for an account that is " Current ''. 
XXXX  : This single account is reported with XXXX different past due amounts ( {$220.00}, {$700.00}, and {$270.00} ) and XXXX different statuses ( " Late 120 Days '' vs. " Collection/Chargeoff '' ). 
XXXX. Duplicate and Fragmented Reporting of Collection Accounts : A single alleged debt from XXXX XXXX XXXX is being reported multiple times across my reports with different statuses ( " Collection/Chargeoff '' vs. " Late 120 Days '' ) and in different sections ( " Collection '' vs. " Other Accounts '' ). This is a misleading representation of the character and amount of a debt, in likely violation of the FDCPA. 
XXXX. XXXX Omissions of Accounts : Key accounts are completely missing from certain reports, proving the data is unverified across the system. For instance, the XXXX XXXX XXXX XXXX is not on my TransUnion report, and a derogatory XXXX XXXX account is only on my Experian report. 
As a direct result of these widespread inaccuracies, my credit scores are artificially suppressed, impairing my ability to access fair credit and financial opportunities. The bureaus have failed to maintain accurate credit files as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing several accounts on my XXXX  credit report that are inaccurate or unverifiable : Midland Credit Management reporting a {$2400.00} collection from XXXX. 

XXXX XXXX XXXX reporting a {$370.00} collection from XXXX XXXX. 

XXXX XXXX XXXX showing as charged off with a {$1200.00} balance. 

XXXX XXXX Bank showing as charged off with a {$730.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting recent late payments that I dispute. 

XXXX XXXX XXXX ( XXXX XXXX, closed ) reporting past late payments even though the account is closed. 

Under the Fair Credit Reporting Act ( FCRA 611 & 607 ), I am requesting a reinvestigation. If the furnishers can not provide complete documentation validating these accounts, they should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
am filing a formal complaint against JPMorgan Chase regarding their refusal to release the remaining funds in my closed checking account. 
My account was recently closed by Chase. 
At the time of closure, Chase stated they would issue a cashiers check for my remaining balance. 
Instead, Chase has withheld my funds, citing an inability to verify third-party deposits that had already cleared and settled in my account. 
I have been informed that unless I can personally verify the origin of those third-party checks, Chase will not release my money. 
I do not owe Chase any balance, nor have I been provided with a written explanation, timeline, or due process for when ( or if ) my remaining balance will be released. 

This action has caused me financial hardship and appears to violate my rights as a consumer. I am requesting CFPB assistance in : XXXX. Requiring Chase to provide a written explanation for withholding my funds. 
XXXX. Clarifying the specific timeframe for the release of my balance. 
XXXX. Ensuring that my remaining funds are returned to me promptly, as I do not owe Chase any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-03 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: FL

Complaint narrative:
I am acting swiftly to protect my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which explicitly mandates that any information resulting from identity theft must be promptly blocked and removed upon proper notification. There is no room for delay or excuses. This law exists to ensure that victims of identity theft are not further penalized by inaccurate or fraudulent data remaining on their credit reports. By continuing to report this unauthorized information, your agency is not only violating federal law, but actively contributing to the damage of my credit and personal financial 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
On Monday XX/XX/XXXX cashapp put a hold for XXXX sent a email saying what the hold was for but I still could accept payment and use money no email stating my account was froze I called ask the agent was I good to use the account she said yes I got money transferred to my a bill and when I try its froze all a sudden now I cant pay my bills I feel like it was done on purpose for discriminating reason and to cause emotional distress because this was supposed to be resolved in XXXX business days this was on Monday still nothing at all but the same thing its a nickname I knew a Caucasian friend did the same didnt have a problem showing me that they was wrong for that knowing I just told them I needed to pay my bills why would I get money transferred to an account that is frozen that dont make sense to nobody its a disgrace to the urban community because we cant use nicknames and we get punished for this thats not right its the XXXX of a new month and nothing from them this is ridiculous and they should get a better solution to this now Im stressed cant my bill and Im out of money because they want let me use it get my money off te card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Checking my credit without permission affecting my credit score. A hard inquiry in my credit hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 
XXXX XXXX XXXX  - XXXX * * * * has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency mer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who m the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-03 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: NY

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

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX KISERIncorrect DOB : - XXXX CurrentAddress : - XXXX XXXX XXXX UNIT XXXX, XXXX XXXX TX XXXX Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Name : - XXXX XXXX XXXX below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 2025-10-03 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 is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief