vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of this account 's status. I had a XXXXXXXX XXXX XXXX XXXX that was opened on XX/XX/XXXX. the account shows as 'closed ' as of XX/XX/XXXX, but it is still reporting as a 'revolving charge-off. ' once an account is closed, it should no longer be reported as revolving. please review and update or delete any inaccurate or inconsistent information. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2025-11-05 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-05 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:
The account being reported is not mine and contains inaccurate 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
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
The account being reported is not mine and contains inaccurate 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 non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported as " Charged Off '' on my TransUnion credit report : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$21000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$470.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$550.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$490.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$3800.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-05 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: LA

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported as " Charged Off '' on my Equifax credit report : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
This dispute is being filed with TransUnion regarding the charged off accounts and inquiries listed below. I request that TransUnion investigate these discrepancies and remove any information that is inaccurate or unverifiable in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX Account Number : XXXX, XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$960.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXXXXXX XXXX Date Open : XX/XX/XXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Late Payment : 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 2025-11-05 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 writing to dispute the following charged-off accounts, which I believe are inaccurately reported on my credit report. Please review the details provided below and remove any discrepancies in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXccount Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Unknown Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of Identity Theft. I was checking my credit report when I noticed a fraudulent account in my credit report. Below is the fraudulent account : XXXX XXXX - XXXX XXXX  Account XXXX Date Opened : XX/XX/year>

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Urgent Deletion Request for Fraudulent Credit Accounts and Hard Inquiries To Whom It May Concern, This letter serves as a formal dispute and request for deletion under the Fair Credit Reporting Act ( FCRA ), Sections 609, 611, and 605B. 
It was not possible to file a report with the FTC because the system is currently unavailable. For this reason, I am including a sworn affidavit detailing the inquiries and accounts that I do not recognize and request to be urgently deleted. I am disputing the following unauthorized inquiries appearing on my XXXX  credit file : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, I request that all negative and inaccurate accounts associated with this identity theft be permanently removed from my credit profile. Below, I have included the accounts to be deleted. 
XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX NUMBER -- - XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX As required by law, upon receipt of an identity theft report, credit reporting agencies must block any information resulting from identity theft within four ( 4 ) business days. Failure to comply constitutes a violation of the FCRA and may be reported to the Consumer Financial Protection Bureau ( CFPB ). 
Please confirm in writing once these items have been deleted. Thank you for your immediate attention to this urgent matter. 
Sincerely,

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 2025-11-05 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:
The disputed information is inconsistent with my financial record and is in error. Kindly update my account to reflect the correct data.

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 2025-11-05 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: PA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/year> Equifax and XXXX  does not have a calculated score or account information Score not released Remove hard inquires from all 3 companies including XXXX XXXX ( hard inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used XXXX send money from My Chase Businessaccount : XXXX XXXX XXXX account 2 times to My sister account XXXX XXXX XXXX XXXX I send {$3500.00} to XXXX  XXXX XXXX XXXX after I send XXXX  send a email to XXXX : XXXX send you {$3500.00} XXXX XXXX XXXX am Chase Transaction number : XXXX XXXX -- XXXX I send {$1500.00} to XXXX  XXXX XXXX XXXX after I send XXXX  send a email to XXXX : XXXX send you {$1500.00} XX/XX/XXXX XXXX Chase Transaction number : XXXX XXXX never get this money, we called XXXX call XXXX  called Chase boa said this money never delievered, we don't have you money you need contact XXXX, we XXXX XXXX, they said we never touch your money, you need call chase or XXXX, Chase said you let us send the money, you money is gone, chase send to XXXX, you need call them, we been called everyday, my {$5000.00} disappeared, My chase bank deducted {$3500.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX, Money just gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The name for whom the check was payable was altered. 

See attachment for more 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
Consumer complaint received 2025-11-05 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau (CFPBXXXX XXXX XXXX  DC XXXX\n\nSubject: Complaint  Unauthorized or Inaccurate Credit Report Entries\n\nTo whom it may concern,\n\nI am filing a formal complaint regarding multiple accounts and inquiries that appear on my credit reports with Equifax, Experian, and TransUnion. These accounts and inquiries are unauthorized, inaccurate, or unverifiable, and they have been reported without my consent, which violates my rights under the Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681).XXXXDisputed Accounts:XXXX XXXX XXXX  (TransUnion & Experian)  XXXX Account #: XXXX, Closed Charge-Off (appears twice)XXXX XXXX XXXX XXXX (TransUnion, Equifax & Experian)  Account #: XXXX, Payment Status: Current (appears with different account numbers)\n\nDEPT OF ED/XXXX (TransUnion, Equifax & Experian)  Account #: XXXX XXXX XXXX  Account #: XXXX Closed\n\nXXXX XXXX   Account #: XXXX XXXX  Charge-Off\n\nXXXX XXXX  (Experian)  Account #: XXXX Unsecured Loan, no amount reported\n\nDisputed Inquiries:\n\nXXXX XXXX XXXX XXXX XXXX (Equifax)\n\nXXXX XXXX (TransUnion)\n\nXXXX XXXX XXXX (TransUnion)\n\nXXXX XXXX XXXX (Experian)\n\nXXXX XXXX (Experian)\n\nI have already contacted the credit bureaus directly to dispute these accounts and inquiries, but the issues remain unresolved. I request that the CFPB investigate these matters and ensure the bureaus and furnishers comply with FCRA requirements, including removing unverifiable or unauthorized information from my credit reports.\n\nEnclosed are copies of my identification, proof of address, and documentation related to the disputed accounts. I am seeking written confirmation of your investigation and resolution.\n\nSincerely,\nXXXX XXXX XXXX[Last 4 digits of SSN: XXX-XX-XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXConsumer Financial Protection Bureau (CFPBXXXX XXXX XXXX  DC XXXX\n\nSubject: Complaint  Unauthorized or Inaccurate Credit Report Entries\n\nTo whom it may concern,\n\nI am filing a formal complaint regarding multiple accounts and inquiries that appear on my credit reports with Equifax, Experian, and TransUnion. These accounts and inquiries are unauthorized, inaccurate, or unverifiable, and they have been reported without my consent, which violates my rights under the Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681).XXXXDisputed Accounts:XXXX XXXX XXXX  (TransUnion & Experian)  XXXX Account #: XXXX, Closed Charge-Off (appears twice)XXXX XXXX XXXX XXXX (TransUnion, Equifax & Experian)  Account #: XXXX, Payment Status: Current (appears with different account numbers)\n\nDEPT OF ED/XXXX (TransUnion, Equifax & Experian)  Account #: XXXX XXXX XXXX  Account #: XXXX Closed\n\nXXXX XXXX   Account #: XXXX XXXX  Charge-Off\n\nXXXX XXXX  (Experian)  Account #: XXXX Unsecured Loan, no amount reported\n\nDisputed Inquiries:\n\nXXXX XXXX XXXX XXXX XXXX (Equifax)\n\nXXXX XXXX (TransUnion)\n\nXXXX XXXX XXXX (TransUnion)\n\nXXXX XXXX XXXX (Experian)\n\nXXXX XXXX (Experian)\n\nI have already contacted the credit bureaus directly to dispute these accounts and inquiries, but the issues remain unresolved. I request that the CFPB investigate these matters and ensure the bureaus and furnishers comply with FCRA requirements, including removing unverifiable or unauthorized information from my credit reports.\n\nEnclosed are copies of my identification, proof of address, and documentation related to the disputed accounts. I am seeking written confirmation of your investigation and resolution.\n\nSincerely,\nXXXX XXXX XXXX[Last 4 digits of SSN: XXX-XX-XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I contacted capital one XX/XX/XXXX as well as XXXX and XX/XX/XXXX indicating this is a fraudulent account due to identity theft no resolution has been completed to remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am a consumer attempting to fix my credit and am submitting this statement regarding my disputed accounts. I am requesting that these items be reviewed for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by bureau. 

CHARGED OFF Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} LATE PAYMENTS : XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX 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 explanation