vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-07-21 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: NC

Complaint narrative:
I have come to discover that a couple years ago my information was exposed in the Equifax data breach. At that time as a young man, I was not familiar with how to go about accessing or checking my credit report. I have now discovered on my credit report that there are several fraudulent accounts that appear to be open and active that were not done by me. The fraudulent accounts are, missionlntab {$320.00}, XXXX XXXXXXXX {$760.00}, XXXX {$510.00}, XXXX XXXX {$590.00}, XXXX {$280.00}, XXXX XXXXXXXX {$550.00}, XXXX XXXX XXXX {$2200.00}, XXXX {$560.00}, XXXX {$170.00}, XXXX XXXX XXXX {$2200.00}, XXXX XXXX XXXX  {$870.00}, XXXX XXXX XXXX  {$3200.00}, XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint and dispute regarding an account that has been fraudulently reported on my credit file. The account details are as follows : Account Type : Revolving account Account Status : Closed / Charged off as bad debt Creditor : [ Insert Name of Creditor or Furnisher if available ] Date Opened : XX/XX/XXXX Balance : {$350.00} Credit Limit : {$350.00} Last Payment Reported : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Dispute resolved reported by grantor I am asserting that this account does not belong to me and is the result of identity theft. I never applied for, opened, or used this account. Despite previously disputing this with the credit reporting agency, the creditor continues to report the account inaccurately, stating the dispute is resolved without providing any validation of the debt or acknowledgment of identity theft. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this account be fully removed from all credit reports immediately due to fraud. 


I ask the CFPB to investigate this matter and hold the furnisher and credit bureaus accountable for continued inaccurate and damaging reporting. I am also requesting that any further collection activity cease immediately under my rights provided by federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am writing to dispute a fraudulent hard inquiry on my credit report. I did not authorize this inquiry, nor did I initiate any application for credit with XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a identity theft report to XXXX to dispute XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX  XXXX I didn't receive any response within XXXX days that a proper identity theft investigation was preformed

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 2025-07-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services , block 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 Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Someone made XXXX unauthorized XXXX transactions totaling {$3600.00} from my Wells Fargo account between. I did not make or authorize these purchases. I opened a claim with Wells Fargo, but they closed it stating no error occurredeven though I have no knowledge of these purchases. 

Under Regulation E ( XXXX XXXX XXXX ), I am entitled to a full investigation of unauthorized electronic fund transfers. Wells Fargo failed to provide documentation supporting the denial of my claim and did not properly credit my account while investigating. I requested all paperwork, and they told me it would take XXXX days. Ive cooperated fully, yet my account remains debited. 

This situation is causing me extreme financial and emotional stress, and Im requesting the CFPBs assistance in compelling Wells Fargo to honor my rights under federal law, conduct a fair investigation, and return my stolen funds. 
I understand the importance of safety and privacy, but when it comes to information about my own money and account, I expect full transparency. If there are restrictions on what can be shared, I kindly request a clear explanation of those restrictions, as it is my right to have access to all pertinent information regarding my finances.

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 2025-07-21 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter is sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. This is a formal notice of dispute and demand for validation of the alleged debts you claim I owe, including but not limited to those associated with : - Jefferson Capital LLC You are hereby notified that : XXXX. I dispute the validity of all alleged debts in full. XXXX. I demand immediate validation of each debt as required under XXXX XXXX XXXX XXXX ( b ). Until proper validation is provided, you are prohibited from continuing collection efforts or reporting to any credit bureaus. You must provide : - The name of the original creditor ; - A complete itemization of the alleged debt ; - Proof you are legally entitled to collect this debt ; - A copy of the original signed agreement or contract bearing my signature ; - The chain of title or assignment from the original creditor to your agency ; - Your debt collector license numbers and the issuing authorities. Under XXXX XXXX. XXXX, it is illegal to use false, deceptive, or misleading representations. Continued reporting or collection without proper validation constitutes a willful violation, for which you may be liable for statutory damages, actual damages, and attorney fees. If any debt is being reported to the credit bureaus, you must comply with XXXX XXXX. XXXX ( b ) of the FCRA and XXXX - Investigate disputed debts ; - Remove inaccurate or unverifiable information ; - Report each account as disputed during the investigation. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney General. Legal action will be pursued as necessary. If any account is furnished to credit bureaus, it must meet XXXX XXXX Compliance. Reporting unverifiable data is a violation of the FCRA and XXXX XXXX XXXX Format. If you can not validate the accounts under these standards, you must delete them from XXXX XXXX and XXXX. Until all requested information is provided : - You are to cease all collection activities ; - Do not contact me via phone or third parties ; - Communicate only in writing to the address above. Failure to comply will be viewed as continued harassment and intentional non-compliance, and I will pursue all legal remedies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), 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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On Friday, XX/XX/XXXX, I received a message through my newly opened XXXX shop claiming that a customer was trying to complete a purchase but that I needed to update my payment information. I was still waking up and excited about the possibility of a sale, and because the message appeared to come from XXXX 's messaging system and an alleged " XXXX employee, '' I did not question its legitimacy. 
I now know this was a scam. 
I immediately contacted Ally to report the fraudulent activity and began the dispute process. What followed was a frustrating and prolonged series of interactions that required constant follow-ups on my part. I called weekly for updates, but each call felt like a battle just to move the case forward. It took XXXX separate calls before Ally even initiated the dispute. 
Throughout this process, I encountered multiple unhelpful customer service representatives, including being hung up multiple times while waiting on hold for the fraud department and managerial assistance. Each step felt unnecessarily drawn out, almost as if I was expected to abandon my pursuit of recovering my hard-earned money. 
On XX/XX/2025, I was informed that the dispute had been closed with no option to appealbecause I had voluntarily entered my card information. On XX/XX/XXXX, after the XXXX window had passed, I called Ally to follow uponly to discover that the case judgment had been issued without any direct notification. I was unaware of the outcome until a customer service representative walked me through how to locate the buried message on Allys website. The communication was so discreet, it felt deliberately hidden from view, as though transparency in the dispute process were not a priority. 

I want to be clear : I provided that information under the false belief that I was securely updating my XXXX account, not sending sensitive details to scammers. The deception was convincing and targeted, and I acted in good faith. 
Now I am requesting a formal review of this decision and a fair resolution. 

Im deeply disappointed. Not only by the individuals who defrauded me, but by Allys handling of this case. I believe the dismissal of my dispute reflects practices that, frankly, feel just as exploitative. When a financial institution overlooks clear evidence of fraud and fails to protect its customers, it erodes trust and mirrors the same disregard for integrity shown by the scammers themselves. I expect better from a company entrusted with peoples livelihoods.

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 2025-07-21 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Formal Dispute of Inaccurate Student Loan Reporting Under the FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and damaging information being reported on my credit file concerning my student loans. After carefully reviewing my credit report, I have identified information regarding these loans that is inaccurate, incomplete, or unverifiable. These reporting errors are negatively impacting my credit score, reputation, and ability to obtain new lines of credit or favorable lending terms. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e, credit reporting agencies are required to maintain the maximum possible accuracy of consumer reports. When a consumer notifies a credit bureau of a dispute, you are required by law to investigate the disputed information, verify its accuracy, or remove it from the credit report. If the information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly. 
In this case, the student loan data being furnished is not only inaccurate but also materially misleading. This includes, but is not limited to : Incorrect account statuses Inaccurate payment histories Duplicate loan entries Incorrect balances or dates This reporting has already caused substantial harm to my creditworthiness, including denial of credit and higher interest rates. If these inaccurate entries are not corrected or removed from my credit file within the legally required time frame, I will pursue legal action for willful noncompliance with the FCRA. 
Please consider this my formal request for : An immediate investigation into the accuracy of the student loan information being reported. 
The removal or correction of all inaccurate or unverifiable entries. 
Written confirmation that this information has been updated or deleted. 
If you need any further documentation from me to facilitate your investigation, please notify me immediately. 
If this matter is not resolved, I am fully prepared to file a lawsuit against your agency for the ongoing harm caused by your failure to uphold your legal obligations under the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Formal Dispute of Inaccurate Student Loan Reporting Under the FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and damaging information being reported on my credit file concerning my student loans. After carefully reviewing my credit report, I have identified information regarding these loans that is inaccurate, incomplete, or unverifiable. These reporting errors are negatively impacting my credit score, reputation, and ability to obtain new lines of credit or favorable lending terms. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e, credit reporting agencies are required to maintain the maximum possible accuracy of consumer reports. When a consumer notifies a credit bureau of a dispute, you are required by law to investigate the disputed information, verify its accuracy, or remove it from the credit report. If the information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly. 
In this case, the student loan data being furnished is not only inaccurate but also materially misleading. This includes, but is not limited to : Incorrect account statuses Inaccurate payment histories Duplicate loan entries Incorrect balances or dates This reporting has already caused substantial harm to my creditworthiness, including denial of credit and higher interest rates. If these inaccurate entries are not corrected or removed from my credit file within the legally required time frame, I will pursue legal action for willful noncompliance with the FCRA. 
Please consider this my formal request for : An immediate investigation into the accuracy of the student loan information being reported. 
The removal or correction of all inaccurate or unverifiable entries. 
Written confirmation that this information has been updated or deleted. 
If you need any further documentation from me to facilitate your investigation, please notify me immediately. 
If this matter is not resolved, I am fully prepared to file a lawsuit against your agency for the ongoing harm caused by your failure to uphold your legal obligations under the FCRA. 
Sincerely, 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 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. 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 Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Date Opened : XX/XX/XXXX, Balance : {$820.00}

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 explanation