vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Two talented supervisors from Wells Fargo claims department refused to provide me with a provisional credit for the {$29.00} transaction claim. Why? Because those two XXXX  were on power trip. This triggered a XXXX dollar negative balance on my business checking account, which then triggered an overdraft fee of {$35.00}. I have called Wells Fargo today and have asked them to close my business checking account ending in XXXX. However, I was told the account can not be closed at this time because of the XXXX dollar overdraft pending charge. This is what's going to happen now : NOTHING. This is how I see it - I don't have any business checking account with Wells Fargo, regardless of what shows up when I login. Meaning, I ain't paying a single XXXX towards this business checking account, no matter what. I suggest you ask those two supervisors ( XXXX  ) from the claims department to share the XXXX dollar cost, or ask your collections department to fight it. Good luck getting that XXXX dollars from 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 monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX ; a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX ; a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX ; a collection account opened at XXXX & XXXX, XXXX on XX/XX/XXXX under the account number XXXX ; and a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer F

ICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual inv
estigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> and continuing into XX/XX/year>. I am trying to purchase a vehicle because I live overseas several months a year. I attempted more than XXXX times a international wire transfer following Chase Bank instructions. The wire was canceled for various reasons. At one point a Chase representative said that a 3rd party entity that dealt in wire transfers might be a better way. I proceeded with a domestic transfer to my XXXX account that I have had and been using for over a year to send smaller amounts of money to myself overseas. I was sure this would be sucessful, but it to was rejected and I'll also add that each time they rejected my wire, they ( Chase Bank ) locked my account. I would call ... they would verify me then unlock the account. Finally, the last attempt the representative said that they would NOT approve any future wires because I might be buying crypto currencies or other risky behavior. This to me is WAY beyond the right of any institution to control its customers. As long as my activities are legal, which it is legal to buy a car overseas, then they should be operating openly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these accounts and was unaware of them until now ; please delete them from my credit profile within 15 days according to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * XXXX XXXX XXXX XXXX XXXX  Auto loan account opened at XXXX XXXX  XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX Auto loan account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX  Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX  Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
To whom it XXXX concern, I would like to inquire about the repeated denials of my applications for an American Express XXXX  card, despite my strong financial history. I have XXXX paid-off auto loans, XXXX  paid-off XXXX  cards, XXXX inquiry, and no collection accounts. My XXXX XXXX was XXXX at the time of my pre-qualification, which is primarily due to XXXX XXXX  card having a 78 % balance. I have never made any late payments. 

I recently applied for a XXXX XXXX  card and submitted personal financial documents, including a XXXX showing {$100000.00} in income last year and an average monthly income of {$8000.00}. I also provided bank statements from XXXX XXXX, which were unexpectedly rejected. This situation, coupled with the consistent denials over several years, has led me to believe there XXXX be an underlying issue, possibly related to my XXXX name. My wife was recently approved for a high-limit American Express XXXX XXXX a XXXX XXXX of XXXX. Furthermore, I was recently denied a pre-qualification, with the reason given as a denial of a previous application, despite having no debt and only XXXX inquiry. My credit reports are consistent across all agencies, and I am not listed on any check systems. 

Could you please provide clarification on the reasons for these repeated denials?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
The mortgage statement is difficult to read. I am experiencing difficulty reading and understanding my mortgage statement. The layout and terminology used in the document are unclear to me, making it challenging to determine key details such as payment breakdowns, outstanding balances, and due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
I received a full credit report because Ive been trying to finance a car not knowing I have inaccurate credit reports Ive been out of work for over XXXX  days I have XXXX children XXXX currently loosing everything Im not able to get to work anymore but according to 15 USC 1692G they must do a full investigation and they DID 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 non-monetary relief
Consumer complaint received 2025-07-22 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.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPT OF EDUCATION/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATION/XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am filing this complaint to dispute Hyundai Motor Finances improper handling and reporting of my auto loan account, number XXXX, for a XXXX Hyundai XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX, Hyundai Motor Finance placed a timely payment of {$650.00} into a Pre-Credit Suspense status rather than applying it directly to my loan. I have never disputed this account, and there is no valid basis for suspending or withholding payment application, nor for associating this account with any consumer dispute notation under XXXX XXXX guidelines. I am the borrower in good standing. The use of Pre-Credit Suspense is misleading and creates the false appearance that the account is disputed or unresolved, which could trigger inaccurate credit reporting or delayed application of funds. 

On XX/XX/XXXX, Hyundai Motor Finance issued a written confirmation letter stating that my account was current as of XX/XX/XXXX. Despite that, the transaction history clearly shows the {$650.00} was placed in a suspense status rather than properly credited. If this suspense action delays application or falsely triggers a 30-day late flag, it would be a violation of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits a furnisher of information from reporting information it knows or has reasonable cause to believe is inaccurate, and 1681s-2 ( b ), which mandates prompt investigation and correction once a dispute is raised. Additionally, the continued marking or holding of payments in suspense could constitute deceptive or unfair practices under 15 U.S. Code 45 ( a ) ( Section 5 of the FTC Act ).

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 2025-07-22 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XX/XX/2025, I filed a dispute with Citi regarding a charge on my Citi XXXX Preferred Card for {$1000.00} made on XX/XX/2025 by Wayfair. 

I provided detailed documentation supporting my claim, including photos of the broken merchandise. 

Despite this, Citi denied the dispute siding with Wayfair, even though I provided photos of the broken merchandise.

I believe this denial was unjustified and that Citi failed to conduct a proper investigation as required under the Fair Credit Billing Act. I am seeking a reversal of the charge or a more thorough review of the dispute with full consideration of my evidence.

would like Citi to reopen and properly investigate the dispute, or issue a full refund for the amount in question. I also request a clear explanation of how the decision was reached and a copy of any documentation provided by the merchant to refute 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 2025-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I started my dispute process against Capital One on XX/XX/2025 I paid {$370.00} to XXXX XXXXXXXX for them to dispute on my behalf, they requested the correct charge off dates since they were all different across all 3 bureaus ( XXXX XXXX XXXXXXXX XXXX ). I called XXXX XXXX on XX/XX/XXXX and they said that Capital One still has not gave any new information to the bureaus about my charge off date. Its been 48 days since Ive started this process.This violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX XXXX Sec Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. Please provide the names and business addresses of each individual with whom you verified the above information so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2025-07-22 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-22 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 have noticed that a company called XXXX XXXX XXXX XXXX has reported on my credit report, and I have not authorized this company. I have no knowledge of agreeing to any terms with them or opening any type of credit on my behalf. Additionally, I do not have any knowledge of opening credit with XXXX XXXX XXXX. I have disputed these entries, but no action has been taken. I need these companies removed from my credit report.

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