vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sending to formally dispute several items on my credit report that I believe are inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). In accordance with FCRA Sections 602 ( A ), 607 ( b ), and 611, every consumer has the right to fair, accurate, and fully verifiable credit information. Upon careful review of my credit report, I have identified multiple entries that appear to violate these provisions by failing to meet the standards of accuracy and verification required by federal law. Therefore, I am requesting that your agency conduct a complete reinvestigation of the disputed accounts and, pursuant to FCRA Section 611 ( a ) ( 5 ), permanently delete any and all information that can not be fully verified as accurate and complete. Please provide written confirmation once the deletion has been completed, as required within 30 days of receipt of this dispute under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX 2018 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am sending to formally dispute and request correction of certain late payment entries that appear to be inaccurately reported on my credit file. I have reviewed my credit report carefully and found discrepancies in the reporting of several accounts listed below. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) to request a reinvestigation of any information I believe to be incomplete or inaccurate. Furthermore, FCRA 607 ( b ) requires that furnishers and credit reporting agencies maintain the maximum possible accuracy of the information they provide. I respectfully request that each of the accounts identified in this letter be thoroughly reviewed, verified, and corrected to ensure that my credit file accurately reflects my true payment history and account status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am sending to formally dispute and request correction of certain late payment entries that appear to be inaccurately reported on my credit file. I have reviewed my credit report carefully and found discrepancies in the reporting of several accounts listed below. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) to request a reinvestigation of any information I believe to be incomplete or inaccurate. Furthermore, FCRA 607 ( b ) requires that furnishers and credit reporting agencies maintain the maximum possible accuracy of the information they provide. I respectfully request that each of the accounts identified in this letter be thoroughly reviewed, verified, and corrected to ensure that my credit file accurately reflects my true payment history and account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was told by a scammer that I could transfer money to him using XXXX and receive a check for the corresponding amount. But eventually those checks were either returned or were for amounts too large for me to cash. From XX/XX/XXXX to XXXX, I used the XXXX feature in the Chase mobile app to transfer {$500.00} per day to the scammer 's account, totaling {$4000.00}. The scammer 's XXXX account was registered with XXXX XXXX Banking, making it easy for Chase to track his real-name information. Upon realizing I had been scammed, I immediately called Chase 's fraud department to address the case. They initially told me that I had authorized the transfer myself and therefore couldn't process it. After I reiterated the severity of the scam, Chase refused to proceed further, claiming that they were responsible for the XXXX XXXX.We 'll forward this to the companies involved. Be specific so they know what resolution you're looking for. The company may or may not offer to resolve your complaint. In fact, there have been successful cases of XXXX transfer disputes being reversed. Beyond verifying that I authorized the transactions, Chase refused to take any further action after hearing about my scam. Chase simply wanted to dismiss the matter, disregarding the user 's feelings. Furthermore, during the numerous transfers I sent to the scammer, I received no text messages or emails alerting me to the potential scam. Other suspected fraudulent activity during my time using this account was blocked by Chase. Even when I discovered the scam and contacted them, they didn't block any pending transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX attempted to illegally bill me for paid off contract and phone during time of XXXX XXXX XXXX  in 2014. Sent bill to collections even after disputing several times was eventually removed from credit report by XXXX. Jefferson capital then purchased fraudulent debt well past statute of limitations and continously reports debt even after numerous disputes filed and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I'm having issues with Ally Bank accessing my account. This is happening today which is XXXX XXXX XXXX. But it's been happening more and more. I get an error pop up that says we can't access your account right now and it goes on for hours and when I try to call a customer rep I'm just on hold and I get to speak to nobody. This is making us uncomfortable as banking customers not being able to access your money in a moments notice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX 2018 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - OTHER Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX Unknown - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
According to FCRA section 605 B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report now Please remove Santander XXXX  from my report now my address is XXXX XXXX XXXX XXXX XXXX XXXX  the address on this account states a address of XXXX XXXX XXXX XXXXXXXX XXXX I never lived there this is identity theft please remove from my report now all of the late payments as well this account doesnt belong to me in my phone number is incorrect on this file my correct phone number is ( XXXX ) XXXX the phone number on file says ( XXXX ) XXXX please remove Santander XXXX  from my report now please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc

Complaint narrative:
I registered my paypal account in XXXX. At the beginning, everything was normal for a month or two. Suddenly, the paypal company sent me an email message, which showed that my paypal account was permanently banned. Then I called PayPal customer service to explain the situation. They said that the reason for the ban could not be told to me, and the funds in my PayPal account could not be withdrawn. Originally, I was just doing some small business, and the money was invested in it. Now I seriously suspect that PayPal was deliberately blocking my account, otherwise he would not say that he could not tell me the reason for the ban. I hope your company can pay attention to my request. Here I complain that PayPal has banned other people 's accounts at will. I hope the U.S. government can help me solve this problem. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo continued to deplete without accuracy. Due to mismanagement and not sharing any information about my investigation or HOW TO PROCEED TO FILE FOR FRAUD/ or any guidance or assistance when reporting errors when requesting ACCOUNT MANAGEMENT SUPPORT .. the results ended with a closed off account, and losing my rights to my title loan due to multiple mishaps using the scheduled payment method from my checking account. Before being closed out, I did not receive any chance to receive or understand what and why it happened besides overdraft fee that I explained as FRAUD. My account was just closed off and my access denied, I made appointments to request support and was denied any real answers. Come to find out, this was a common mistake stemming from XXXX accounts which ties me to this report requesting a settlement and PROVES I was wronged and silenced by a waive fee of the overdraft expense THAT I ATTEMPTED TO REPORT AS FRAUD! I was dismissed and still want answers!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX locked my checking account and requested that I verify my identity. I followed their instructions and uploaded my drivers license through Capital Ones secure link as requested. Despite completing that step, my account remains locked. 

While on the phone, the representative told me I must appear in person at a Capital One branch or XXXX to verify my ID. I live in Mississippi ( ZIP XXXX ), and there are no Capital One branches or cafs anywhere in this state. The nearest options are in Louisiana, over an hour away. 

When I explained this and stated that my paycheck was due to deposit the next day ( XX/XX/year> ) and that my wifes paycheck was set to deposit on XX/XX/year> and that we had no other money to live on the representative responded, Well, thats the options available, and offered no alternative or escalation. 

I have already provided valid state-issued identification through C

apital Ones secure upload system. Requiring in-person verification when no branches exist in my state is an unreasonable and unfair barrier to accessing my own funds.

I am requesting that Capital One provide a reasonable remote verification option ( such as video verification, notarized ID copy, or secure re-upload ) so I can regain access to my account. If that can not be done promptly, I am requesting that the account be closed and the remaining balance mailed to me by cashiers check to my verified address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I canceled a card with Citibank in XXXX and they still charged me the XXXX fee on statement dated XX/XX/year>.. They offered me another card with no fee that they then charged me XXXX for on my statement dated XX/XX/year>. When I called to discuss this I was told to just " wait and see '' what happened on my next statement. I was unable to get any other answer.

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 monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Greetings, I have submitted my second complaint. I submitted a dispute with your organization last month XX/XX/year> and specifically identified the fraudulent accounts. On my credit report, there are still fraudulent accounts. Your company 's negligence is causing me anxiety and jeopardizing my mental well-being. The fraudulent accounts have been disclosed, and I have submitted my identification and social security numbers, which I will resubmit. The sole alternative available to me is to reach out to your organization in order to cease being penalized for being a victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I have submitted my second complaint. I submitted a dispute with your organization last month XX/XX/year> and specifically identified the fraudulent accounts. On my credit report, there are still fraudulent accounts. Your company 's negligence is causing me anxiety and jeopardizing my mental well-being. The fraudulent accounts have been disclosed, and I have submitted my identification and social security numbers, which I will resubmit. The sole alternative available to me is to reach out to your organization in order to cease being penalized for being a victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation