vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft and have submitted a valid FTC Identity Theft Report ( Report # XXXX ) along with supporting documentation, including a government-issued ID, Social Security card , and proof of current address. 

Despite this, Experian and Equifax continue to report fraudulent names, addresses, employers, and accounts on my credit file. I sent a formal dispute letter demanding the deletion of this unverifiable and unauthorized personal information under XXXX XXXX. XXXX ( a ) and related FCRA statutes. 

I demanded the removal of over XXXX fraudulent addresses, several fake names, and employers that have no connection to me. 

Additionally, I requested the method of verification under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) for all disputed data. Neither bureau has provided proof or deleted the data within the legal timeframe.

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 2025-07-02 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
this agency is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I had two store credit cards ( XXXX and XXXX ) that were originally issued by XXXXXXXX XXXX. These accounts were transferred to Barclays Bank as part of the official change in card issuer. Since the transfer, I have been unable to obtain my account information from Barclays so I can pay off the balances. 

Despite multiple calls to Barclays customer service and attempts to register my account online, they claim they are unable to locate my accounts, even though I know the balances were transferred. I have also checked my credit report and can see that the tradelines exist under Barclays Bank Delaware. 

I am seeking to resolve these balances in good faith, but I am unable to do so because Barclays can not locate or provide access to my accounts. This situation is negatively affecting my peace of mind, impacting my credit score, and I am concerned about potential damage to my credit.

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 2025-07-02 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS XXXX ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY XXXX  MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am writing to dispute a late payment reported on my credit profile that does not reflect the reality of my payment habits. I have always been diligent with my financial responsibilities and pride myself on making payments on time. After reviewing my account records, I found no indication that the payment in question was submitted late.

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 2025-07-02 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am formally disputing the validity and ownership of the debt associated with my Capital One XXXX  card account beginning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX Code XXXX ) and the Fair Credit Reporting Act ( FCRA, XXXX XXXX Code XXXX ), I am requesting Full Debt Validation of this alleged debt. Please provide the following documents within XXXX  days : ( XXXX ) Proof that the debt is valid and that Capital One still legally owns the account ; ( XXXX ) Complete payment and transaction history including all original charges, interest applied, fees assessed, and payments made ; ( XXXX ) A copy of the original signed XXXX  agreement; ( XXXX ) If the debt has been sold or transferred, provide all securitization or sale documentation, including the name and contact information of the current owner, date of sale or transfer, chain of title, Pooling and Servicing Agreement ( XXXX ), or other legal transfer records ; and ( XXXX ) Form XXXX if applicable. If there are any requested documents that do not exist or can not be provided, please issue a written statement explaining why. Failure to provide all requested documentation within XXXX  days will result in a formal demand for immediate removal of this account from my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Incident Summary : Undisclosed Funds from ATM Deposit at Chase Bank On XX/XX/year>, I opened a new account with Chase Bank. Later that day, at approximately XXXX XXXX  I attempted to deposit cash into a XXXX ATM at a Chase branch location. The ATM location has surveillance cameras, and I was at the ATM for over 25 minutes, with my entire deposit transaction captured on video.

The deposit was made in two batches. The first batch of cash, totaling {$270.00}, was successfully counted by the ATM. Upon inserting the second batch of cash ( estimated at {$300.00} or less, consisting of various denominations including a {$50.00} bill, $ XXXX, $ XXXX, $ XXXX, and a significant amount of $ XXXX ), the ATM experienced a fatal error, made mechanical noises, and went out of service. It printed a receipt instructing me to call a phone number to confirm my deposit. 
I immediately called the provided number and was informed that a claim would be filed, and I would be credited after an ATM audit and investigation. I expressed that I could not wait 10 business days as these were all my funds needed for bills, gas, and groceries, but I was told nothing could be done to expedite it.

Over the next several days, I called Chase more than four times to get updates on my claim, only to receive minimal details and no progress. After six days with no updates, I called Chase again, expressing my frustration. I spoke with a supervisor who reiterated that nothing could be done to expedite the process or compensate me for the inconvenience. 
On day XXXX or XXXX ( approximately XX/XX/XXXX or XXXXXXXX XXXX XXXX  I called Chase again to inform them of my intention to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) if my funds were not released. After a brief hold, the agent returned to inform me that my claim had been denied, stating that the investigation team did not find my funds. I was shocked by this response. I subsequently ended the call and contacted the branch where I opened my account for further assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I would like everything taken down and removed from my history, cause I wasnt making payment on time for my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I paid off my Covered Care account in full on XX/XX/2025. Over 30 days later, it still hasnt been updated with the credit bureaus. I was told it could take up to 90 days, which feels excessive and misleadingespecially because I paid early in good faith while applying for housing. Throughout the life of the loan, it was difficult to get consistent or helpful support from customer service. I often received conflicting answers, reps refused to escalate my concerns, and seemed ill-equipped to resolve even basic questions. This final delay is just another example of poor service, and its actively hurting my ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit file. According to my credit report, the account with XXXX XXXX, which was closed on XX/XX/XXXX, continues to show a reported balance of {$510.00} as of XX/XX/XXXX, along with numerous derogatory marks throughout XXXX and XXXX. 
This This is incorrect and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires that only accurate and verifiable information be reported. Since this account was closed over two years ago, it should not continue to show an increasing balance or additional derogatory marks beyond the closing date. This reporting appears to be either inaccurate or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit file. According to my credit report, the account with XXXX XXXX, which was closed on XX/XX/XXXX, continues to show a reported balance of {$510.00} as of XX/XX/XXXX, along with numerous derogatory marks throughout XXXX and XXXX. 
This This is incorrect and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires that only accurate and verifiable information be reported. Since this account was closed over two years ago, it should not continue to show an increasing balance or additional derogatory marks beyond the closing date. This reporting appears to be either inaccurate or unverifiable.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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