vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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 multiple hard inquiries on my credit report that I did not authorize, initiate, or consent to. These inquiries were placed without my knowledge or involvement, and I have no existing credit relationships, applications, or transactions with the companies responsible.

I submitted disputes to the credit bureaus requesting verification and deletion of these unauthorized inquiries. Despite these efforts, I received either boilerplate responses or no valid proof of permissible purposesuch as signed applications or digital audit trails. This lack of verification violates the Fair Credit Reporting Act ( FCRA ), including 1681b ( a ) ( 3 ), 1681e ( b ), and 1681g, which require a permissible purpose, maximum accuracy, and full disclosure of information used to verify account reporting.

I believe these hard inquiries were added in error or through fraudulent means, and the credit bureaus have failed to meet their legal responsibilities under FCRA. I am now seeking the CFPBs assistance in ensuring my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I asked XXXX to updated the balance a an American expresss account be the XXXX XXXX  had been paid down. Typically XXXX XXXX disputes takes days but since I was an authorized user they removed the account causing my credit score to drop while XXXX in the process of trying to apply for a loan. American Express did not ask them to remove or delete the account and also ask for a reinstatement. XXXX lied several times saying they dont have the ability to remove an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act, specifically 15U.S.C. 1681i ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ), 1681i ( a ) ( 2 ) ( failure to forward consumersubmitted evidence ), 1681i ( a ) ( 5 ) ( failure to delete unverifiable information ), 1681i ( a ) ( 6 ) ( failure to give notice ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). In addition, Experians conductnamely mischaracterizing my dispute, accepting unreliable furnishers responses, and permitting reinsertion of previously deleted tradelinesconstitutes unfair acts or practices in violation of the Consumer Financial Protection Act, 12U.S.C. 5531 ( c ) and 5536 ( a ) ( 1 ) ( B ). These failures align with the allegations in the CFPBs complaint filed XX/XX/year>, against Experian for conducting sham investigations and ignoring consumersubmitted documentation. 



please see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2025, I was charged XXXX separate overdraft fees of {$34.00} each, totaling {$370.00}. These fees were charged for transactions ranging from {$10.00} to {$50.00}. Below is a breakdown by date : XX/XX/XXXX o {$34.00} fee for a {$50.00} XXXX XXXX payment o {$34.00} fee for a {$130.00} XXXX XXXX payment XX/XX/XXXX o {$34.00} fee for a {$20.00} XXXX XXXX payment o {$34.00} fee for a {$31.00} XXXX XXXX XXXX payment XX/XX/XXXX o {$34.00} fee for a {$20.00} XXXX XXXX payment o {$34.00} fee for a {$20.00} XXXX payment XX/XX/XXXX o {$34.00} fee for a {$25.00} XXXX XXXX XXXX XX/XX/XXXX o {$34.00} fee for a {$20.00} XXXX payment XX/XX/XXXX o {$34.00} fee for a {$10.00} XXXX  payment o {$34.00} fee for an {$18.00} XXXX recurring charge During this time, I did my best to add funds to my account to cover upcoming transactions, including deposits of {$60.00} on XX/XX/XXXX, {$88.00} on XX/XX/XXXX, {$190.00} on XX/XX/XXXX, and a larger deposit of {$1500.00} on XX/XX/XXXX. Despite my efforts, the timing of withdrawals and deposits still caused a series of overdraft charges.

Im currently going through a financial hardship and struggling with limited work hours, making it difficult to keep up with unexpected fees. I respectfully ask that you review these charges and consider refunding some or all of the overdraft fees given the circumstances and my attempt to resolve the situation quickly. 

Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 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: CBC Companies, Inc.
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: LEXISNEXIS
State: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I learned of this debt after checking my credit score on XXXX  XXXX XXXX. I never received notice in the mail. 

I called the debt collector to inquire about who the debt came from and was this an original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo charged my unfair bank fees on my checking account and refuses to return the funds. Their bank fees are excessive and unnecessary. The only action they take is an agent called reading from a script and emails with erroneous information. 

This occurred from XXXX, XXXX through XXXX of XXXX. Initially they owed me {$100.00}. They mailed me a check for {$10.00} and another agent stated they were mailing me another {$10.00} check which I have not yet received. 

Their bank fees are outrageous as they do nothing to maintain an account yet continually charge fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX 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 XXXXXX/XX/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 2025-07-30 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
These credit inquiries were not made by me and I have no involvement with the creditors listed. I request that they be removed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IA

Complaint narrative:
A gang lead by a neighbor who was XXXX bombarded me with pressures to engage in XXXX XXXX and banking and XXXX  XXXX XXXX. Local police put me in the XXXX  for trying to tip them off. I got them to leave by doing nothing for a very long time, and when I tried to access my Chime online banking account to clear out any data I had provided them with, it was non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OR

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-07-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against Citibank XXXX. ( CBNA / XXXX/CBNA ) regarding a Macys credit card account that is still being reported on my credit reports with XXXX  and XXXX. 

On XX/XX/2025, I received a written letter from Citibank confirming that they are not verifying or involved in collecting this debt, and they are not providing verification to any debt collector ( such as XXXX XXXX XXXX  ). 

Despite this written confirmation, the same XXXX/CBNA  account is still showing as active or charged-off on my XXXX  and XXXX  credit reports. This is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681s-2 ), which prohibits any data furnisher from continuing to report inaccurate or unverifiable information. 

If Citibank no longer owns or services the account, then they should have immediately instructed the credit bureaus to remove this tradeline entirely. 

I am requesting : Permanent deletion of this account from all credit bureaus ( XXXX, XXXX, XXXX  if applicable ) Full investigation by CFPB into Citibanks continued unlawful reporting Written confirmation that Citibank has ceased furnishing data for this account This account is severely damaging my credit and preventing me from securing housing and credit. I want this resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> my card was charged 3 times at XXXX XXXX XXXX for the same amount of {$180.00} at XXXX different cities in New Hampshire. I reported, to Wells Fargo, that those were not my charges and that I was in XXXX Pa during the time of those charges. I reported it the same day because I noticed it that night. I also informed Wells Fargo that I could prove that I was in my home city, XXXX Pa when it happened, Id driven for XXXX for quite a few hours and that shows my location as well as I had used my card locally around the time that I noticed the charges. They are refusing to return my money even though I can prove the charges are fraudulent. They are saying it was a digital tap but I had my phone at the time. I went on XXXX Forums and found out this kind of thing has been a problem before. Wells Fargo will not help me even though I have evidence that I didnt make the purchases.

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