vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have my chase credit cards since XXXX and I paid all the bills off. 

And my cards were all closed by Chase Bank in XX/XX/XXXX with the reasons " Too many accounts opened recently '' and " too many requests for credit or reviews of credit ''. 

I was only approved for 1 personal credit card in the past 1 year. So I don't think it is " Too many accounts opened recently ''.

And I have only 10 credit inquires within 2 years, among them only 2 credit inquires within past 6 months. So I don't think it is " too many requests for credit or reviews of credit ''.

And when I asked for reinstatement after 1 months, they told me still " too many requests for credit or reviews of credit '' and " not enough credit information on file ''. 

I have my first credit card since XXXX, and I paid all the bills off too. I think 5 year good credit report, can prove that I have enough credit information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I NEED YOUR HELP TO REMOVE THIS WELLS FARGO ACCOUNT THIS IS REPORTING ON MY CREDIT REPORT WHICH DOES NOT BELONG TO ME I HAVE PLEASED AND TRIED TO GET THIS REMOVED AND YET I HAVE NOT RECEIVED ANYTHING TO PROVE THAT THIS IS MINE. NOT A CONTRACT, XXXX, OR EVEN COPY OF MY DRIVERS LICENSE. 
I AM REALLY UPSET AND I AM ON THE VERGE OF SUING FOR RUINING MY CREDIBILITY, PLEASE HELP ME. I EVEN SENT THE CREDIT BUREAUS A LETTER ASKING FOR THEM TO VERIFY OR DELETE .THEY HAVENT DONE EITHER. 

THIS IS HOW IT IS REPORTING ON MY CREDIT REPORT : WELLS FARGO - PAID CHARGE OFF WITH A XXXX BALANCE AND THEN IT STATES THAT IT THE OPENING DATE WAS XX/XX/year>. THAT IS NOT POSSIBLE. I WAS NOT EVEN HERE IN FLORIDA YET, SO AGAIN PLEASE INVESTIGATE THIS AND HAVE THEM REMOVE THIS,

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 2025-08-11 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: MA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/year>, I paid {$150.00} from my XXXX account ending in XXXX XXXXXXXX to Affirm , Inc . The payment posted to my account and cleared my bank the same day. On XX/XX/year>, Affirm supervisor XXXX XXXX confirmed in writing that they had received my proof of payment and escalated the matter for resolution. 
Despite this confirmation, between XX/XX/year> and today, I have received 3 phone calls and 13 text messages from Affirm attempting to collect this already-paid account. These contacts occurred after Affirm had clear documentation that the debt was satisfied. 

I spent a total of 35 minutes on calls with Affirm ( 14 minutes and 21 minutes respectively ) after sending proof, plus additional time gathering bank documentation. These repeated and unnecessary contacts have disrupted my work and daily life. 

This appears to violate the Maine Fair Debt Collection Practices Act ( Title 32, 11013 ) and constitutes an unfair practice under the Maine Unfair Trade Practices Act. I have requested that Affirm : Correct my account records to show payment in full as of XX/XX/year>. 
Stop all phone and text contact regarding this account. 
Confirm that no negative credit reporting will occur. 
I am seeking prompt resolution and fair compensation for the disruption and time lost due to Affirms repeated post-payment contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
" XXXX XXXX '' called from XXXX, saying she was calling from Citibank to verify a recent credit card application I made. She spoke terrible XXXX, so I had to ask her several times to verify which specific Citi credit card she stated I applied for. She said only " XXXX XXXX ''. I said I had never applied for or heard of " XXXX XXXX '' from Citibank. Then she mumbled that she had to document that I never applied for that card and then added that her back office system stated I had applied for a XXXX XXXX  credit card. I stated that I had never applied for any card from XXXX XXXX It was obvious her name was fake, she didn't work for Citibank, so I hung up. Then I called that same number from my XXXX XXXX number, and the recording said XXXX is not taking calls.

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 2025-08-11 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.
15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, 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 2025-08-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections XXXX ( reinvestigation of disputed information ) and XXXX ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-11 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: FL

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 four 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.

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my knowledge or consent. These include accounts from XXXX XXXX ( opened XX/XX/XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), and XXXXXXXX XXXX ( opened XX/XX/XXXX ). I have filed an official FTC Identity Theft Report and gathered the necessary documentation including my government-issued ID and proof of address. I invoked my rights under 15 U.S. Code 1681c-2, which mandates that consumer reporting agencies must block fraudulent information within 4 business days of receiving proper identity theft documentation. Despite this, the credit bureau has failed to block or remove these accounts, which continues to cause harm to my credit profile and financial well-being. I am requesting immediate enforcement action to ensure these fraudulent accounts are blocked, deleted, and cease to be reported going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my knowledge or consent. These include accounts from XXXX XXXX ( opened XX/XX/XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), and XXXXXXXX XXXX ( opened XX/XX/XXXX ). I have filed an official FTC Identity Theft Report and gathered the necessary documentation including my government-issued ID and proof of address. I invoked my rights under 15 U.S. Code 1681c-2, which mandates that consumer reporting agencies must block fraudulent information within 4 business days of receiving proper identity theft documentation. Despite this, the credit bureau has failed to block or remove these accounts, which continues to cause harm to my credit profile and financial well-being. I am requesting immediate enforcement action to ensure these fraudulent accounts are blocked, deleted, and cease to be reported going forward.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I reported multiple unauthorized transactions on my Chase account ending in XXXX, totaling {$890.00}. The merchant, location, and purpose are unfamiliar to me. I did not authorize these transactions, did not benefit from them, and reported them immediately upon discovery. 

On XX/XX/year>, Chase denied my claim ( Claim # XXXX ), stating the transactions were processed according to information I provided or were authorized. This conclusion is incorrect. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z, I requested that Chase provide all evidence used to make their determination, including : IP address of the device used to make the transactions Geolocation data Device ID and operating system Authentication and verification logs Chase has refused to provide this documentation and has declined to reopen the case. Without clear proof that I personally authorized these transactions, they are obligated to reverse the charges.

I am requesting the CFPB ensure that Chase : 1. Produces all documentation used to deny my claim.

2. Reopens and properly investigates the dispute.

3. Credits back the {$890.00} in unauthorized charges if proof of my authorization can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I am writing to formally make a complaint about the service I have received from Mohela. 
My name is XXXX XXXX, and I am a teacher at PS/IS XXXX. My account number is XXXX.My Social Security Number is XXXX. I have been enrolled in the Public Service Loan Forgiveness ( PSLF ) Program since XXXX, and until my loan was consolidated and transferred to Mohela, I never experienced problems with my payment counts. 
My first issue is that I have not been able to reach a customer service representative by phone despite repeated attempts. Each time I call, the automated system informs me that no representatives are available. 
My second issue is that I do not know how to remove my account from forbearance status and resume making payments. Since I am XXXX XXXX XXXX and have a limited amount of time left to complete my XXXX qualifying payments before retirement, it is critical that every payment be counted. However, my account has been showing ineligible payments since XX/XX/XXXX. 
I urgently need assistance to resolve this matter and resume my qualifying payments under the PSLF program. Please advise me on the necessary steps and connect me with someone who can address these issues promptly. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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