vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> I reached out informing XXXX that I was not told by the hospital information associate that my medical insurance was no longer active. 
Placed for collection Account information disputed by consumer Account information disputed by consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I dispute the accuracy and legal status of this XXXX XXXX XXXX tradeline. I timely requested debt validation under FDCPA 1692g ( b ) and Regulation F ( 12 C.F.R. 1006.34 ). The furnisher failed to provide mandatory Regulation F itemization disclosures, proof of ownership, or lawful validation, and expressly declined to provide the purchase and sale agreement. 

As a result, the alleged debt remains unverified as a matter of law. Continued reporting without lawful validation violates FCRA 1681e ( b ) and 1681s-2. A CFPB complaint regarding this matter has been submitted ( Complaint ID : XXXX ). 

Please conduct a reasonable reinvestigation and delete this tradeline if the furnisher can not produce admissible proof of ownership, Regulation F itemization, and the method of verification used.

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 2025-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I discovered that a Target credit account had been opened in my name without my knowledge or authorization. I did not apply for, approve, or benefit from this account in any way. 

I became aware of the issue after reviewing my credit report and noticing an unfamiliar Target account. I immediately contacted Target and the related financial institution to report the account as fraudulent. I also disputed the account with the credit bureaus. 

Despite notifying the company that the account was unauthorized, the account initially appeared on my credit report and caused concern about potential credit damage. I took prompt action by submitting fraud disputes and following all requested procedures. 

Eventually, after investigation, the account was confirmed as unauthorized. However, the process caused unnecessary stress, time loss, and concern regarding my credit history. This account should never have been opened without proper identity verification. 

I am submitting this complaint so that the company improves its identity verification and fraud prevention procedures and so other consumers can learn from my experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my credit file by TransUnion. A collection account listed as XXXX XXXX XXXX XXXX with a reported date opened of XX/XX/year> and a high balance of {$1200.00} is appearing on my credit report. I do not recognize this account, I have no knowledge of it, and I am not aware of any obligation that would justify this collection being reported under my consumer file. I did not authorize this account, nor have I been provided with documentation establishing that it belongs to me. 
Despite my rights under the Fair Credit Reporting Act, this account has been reported without proper verification or validation of its accuracy. TransUnion has a duty to ensure that all information appearing on a consumers credit file is complete, accurate, and verifiable. Reporting an unrecognized collection account without competent evidence raises serious concerns regarding compliance with federal credit reporting requirements. 
I am requesting that the CFPB require TransUnion to conduct a proper and lawful reinvestigation of this account. If TransUnion can not obtain verifiable documentation proving that this account is accurate and belongs to me, the account must be deleted or corrected accordingly. I am requesting confirmation that my complaint has been reviewed and that appropriate corrective action has been taken to ensure my credit report reflects accurate information only.

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 2025-12-25 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: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
b'This is an official notification that I am not an authorized user on account XXXX XXXX XXXX XXXX, and I am requesting that this account be removed from my consumer credit profile.\n\nI am writing to dispute the following accounts appearing on my credit file with you XXXX. Under the Fair Credit Reporting Act 15 USC 16181 credit reporting agencies must ensure that all information is accurate, if not, you are legal obligated to remove. Please investigate and remove any inaccurate information that cannot be verified. I am requesting you identify which accounts that XXXX  still holds, and which accounts you have transferred/sold. These accounts are inaccurate on its face\nAccount Number: XXXX XXXX XXXX XXXXnRequested remedy:\nI am requesting that SYNCB/SAMS Club provide the proof that I am an authorized user or remove this account form my consumer credit report. \n\nPlease complete your reinvestigation within the statutory period and mail an updated copy of my credit report to the address above. I am requesting to be provided with the source, to include contact name and method used to verify your findings.'

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank made a serious error by depositing two of my checks into another persons account, not mine. This was entirely the banks mistake. 

When I discovered the error, I immediately called Chases XXXX number. Instead of resolving the issue, I was repeatedly instructed to visit a branch. I went to the branch as directed, but the branch was closed. I then called customer service again and was told once more to return to the branch, causing unnecessary delay and frustration. 

Despite the fact that this was clearly a bank processing error, Chase did not provide timely assistance, did not take ownership of the mistake, and did not issue provisional credit while the investigation was pending. A supervisor was involved, yet no provisional credit was offered. 

I asked a case number. They gave me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
" I am a homeowner in XXXX XXXX, NY. On XX/XX/2025XX/XX/year>, Rocket Mortgage engaged in deceptive and abusive practices by falsely stating that 'the law ' prevents them from offering a mortgage modification. They are currently pressuring me to sell my home while simultaneously threatening to block my ability to pay from my bank account. This is a direct violation of the New York FAIR Business Practices Act ( signed XX/XX/2025 ), XXXX XXXX XXXX, and federal Regulation X. I am seeking an immediate investigation into their 'deceptive steering ' and their interference with my right to cure my delinquency. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened a new XXXX XXXX credit card account with Bank of America in XX/XX/XXXX. I do not believe I ever requested paperless billing, yet I did not receive a paper bill. ( I have had another Bank of America credit card for decades and have always received paper bills. ) As soon as I realized I was not receiving bills, on XX/XX/XXXX, I called, paid the bill in full as a checking account electronic withdrawal, and requested that the late fee and interest charges be waived because I had not received a bill ( as well as my longstanding perfect record with Bank of America ). The late fee was removed as well as my XX/XX/XXXX interest of {$78.00}, but my XX/XX/XXXX interest of {$110.00} has been denied by " the system '' and I am told that no one can override that.

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 2025-12-25 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: Capio Partners, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB Complaint Credit Reporting Violations I am disputing inaccurate credit reporting that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. Accounts previously disputed and/or deleted are being reported with inaccurate payment history, improper status codes, inconsistent dates, and missing dispute indicators, in violation of the Metro 2 Reporting Resource Guide.

These actions violate 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ). Any reinsertion of deleted information without proper certification and notice also violates 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CA

Complaint narrative:
CFPB Complaint Credit Reporting Violations I am disputing inaccurate credit reporting that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. Accounts previously disputed and/or deleted are being reported with inaccurate payment history, improper status codes, inconsistent dates, and missing dispute indicators, in violation of the Metro 2 Reporting Resource Guide.

These actions violate 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ). Any reinsertion of deleted information without proper certification and notice also violates 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I was incarcerated from XX/XX/year> until XX/XX/XXXX of XXXX. I was arrested in XXXX XXXX parking lot my phone was open to app to make purchases the XXXX didn't allow me to get anything my phone was stolen and used to drain XXXX out of my account in the time frame of incarceration. I disputed unauthorized transactions was turned down and since reputaled. I have proof I was incarcerated even filed police report please help me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NC

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a nation data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date of incident : XX/XX/year> Location : Wells Fargo Bank, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX On XX/XX/year>, I attempted to open a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX account for XXXX XXXXXXXX XXXX XXXX XXXX at the above Wells Fargo branch. 
I appeared in person and interacted with the following Wells Fargo employees : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Associate XXXX XXXX XXXX XXXXXXXX, Senior Escalations Representative I presented the required documentation and complied with all requests made during the account-opening process. Despite this, I was refused the ability to open the account. 
No clear, consistent, or written explanation was provided for the denial. I was not informed of any specific compliance issue, identity verification problem, consumer reporting issue, or internal policy basis. I was also not advised of any right to appeal or correct any alleged deficiency.

I believe this refusal raises concerns regarding fair access to financial services and may be inconsistent with the Equal Credit Opportunity Act ( ECOA ) and related non-discrimination requirements.

I am requesting a written explanation for the denial, identification of the policy relied upon, and review of the branchs account-opening practices for compliance with federal fair-access laws.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Attention : XXXX  Credit Report Agency These are credit reporting on my credit report that I am not familiar with. I have tried to dispute these items for removal, and I had no luck. This is not my debt, and I have reached out to my local police department and obtained a police report of these findings. I am asking for these debts to be removed within the next 30 days. 
XXXX XXXX ( Previous Employment ) I never worked for this company. 

XXXX Police Department ( Police Report ) Incident # XXXX Date Of Report : XX/XX/XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Please Remove : Previous Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX I never lived there ) Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXXXXXX XXXX XXXX XXXX XXXX  {$1500.0XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} Inquiries That needs to be removed. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: CT

Complaint narrative:
Experian is committing fraud and stating that someone has stolen my identity so that they do not have to be held liable for their actions. I have requested more than 20 times now online, over the phone, and via certified mail that they show proof of verification of the bankruptcy and bankruptcy related accounts on my report. They have admitted that they can not verify this information and per the law this information must now be removed. Yet they are refusing to remove it, stating that I must file that my identity has been stolen. My identity has not been stolen. They simply have but information on my report that they can not prove has come from any source, therefore it must be removed.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-25 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: CA

Complaint narrative:
CFPB Complaint Credit Reporting Violations I am disputing inaccurate credit reporting that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. Accounts previously disputed and/or deleted are being reported with inaccurate payment history, improper status codes, inconsistent dates, and missing dispute indicators, in violation of the Metro 2 Reporting Resource Guide.

These actions violate 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ). Any reinsertion of deleted information without proper certification and notice also violates 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief