vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: MO

Complaint narrative:
I am disputing a fraudulent XXXX XXXX  XXXX. ( XXXX XXXX  ) tradeline that was added to my credit report without my consent. I never applied for or authorized this account. Despite requesting documentation, XXXX and XXXX have failed to provide any signed agreement or proof of authorization. Instead, they referred me to a generic cardholder agreement, which does not show my consent. 

This account caused a XXXX score drop and has already impacted my ability to secure housing and financial loans. XXXX  shows the tradeline is incomplete ( no credit limit, loan type, or account status reported ), which makes the reporting inaccurate as well as unauthorized. 

I have disputed this account multiple times. XXXX  and XXXX have not provided proper reinvestigation or correction within the XXXX period required by the Fair Credit Reporting Act ( FCRA 611 and 623 ). Instead, they continue to report inaccurate and fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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.
State: GA

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 2025-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I formally request the deletion of this inaccurate account from my credit report, as I never consented to its creation or use. The supporting documents are enclosed to substantiate 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 non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
These accounts were not created or authorized by me. Please investigate and remove them from my report. Enclosed are my documents for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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.
State: CA

Complaint narrative:
I am an XXXX  customer with multiple accounts, most of which have perfect payment history. On one of my loans ( Loan ID XXXX ), XXXX is reporting a XXXX late in XXXX. This is factually incorrect. 

As the attached XXXX  payment history shows, I made payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. A XXXX late requires no payment for over 90 days, which is not the case here. 

Despite this, my credit report with Experian shows consecutive XXXX, XXXX, and XXXX late marks ( XXXX XXXX  ). This is inaccurate reporting and violates the Fair Credit Reporting Act. 

This incorrect information is causing me extreme harm : I am in the process of securing a mortgage to purchase my childhood home, which is currently for sale. The false XXXX late is preventing me from qualifying, and time is extremely sensitive. 

I am requesting that XXXX correct or delete these inaccurate late marks immediately. Even if corrected to a single XXXX late ( which would be accurate based on my payments ), this would allow me to move forward with my mortgage. 

I am grateful for your urgent assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am following a complaint against capital one regarding a deceptive practice related to the XXXX high interest savings account capital one miss represented the XXXX savings account as having XXXX of the nations highest interest rates yet failed to notify account holders about the superior rates offered by the XXXX performance savings account this deliberately, deliberate obscurity and lack of transparency, violated consumer, trust, and resulted and significant financial losses for many. reaching the consumer financial protection act, and the truth in savings act I seek redress for the misleading practice and failure to fulfill XXXX promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian regarding inaccurate and incomplete reporting of my XXXX XXXX XXXX account. 
Account Information : Creditor : XXXX XXXX XXXX Account Number ( last 4 ) : XXXX  Balance Owed : {$23000.00} Account Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX High Balance : {$21000.00} Past Due Amount : $ XXXX  Monthly Payment : {$1200.00} Term : XXXX  Months Dispute Details : Experian is inaccurately reporting late payment notations for this account : XXXX late ( XX/XX/XXXX ) XXXX late ( XX/XX/XXXX ) This information is inaccurate and incomplete because : XXXX  does not show XXXX late payment history for this account. 


XXXX  is inconsistently reporting duplicate entries for XXXX and a late payment notation in XXXX, showing clear contradictions. 


Experians reporting of XXXX and XXXX lates is unsupported, inconsistent with other bureaus, and therefore unreliable. 


These inconsistencies prove Experian has not properly verified the information before reporting it, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), requiring consumer reporting agencies to ensure maximum possible accuracy.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My credit file contains false personal identifiers that I never supplied or authorized. Specifically, the bureaus are reporting an incorrect date of birth of XX/XX/year> and an incorrect address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at this address, and I never provided this date of birth. These false identifiers are creating identity confusion, mixed-file contamination, and the risk of being associated with accounts that do not belong to me. 

Equifax, Experian, and TransUnion have all reported variations of these same false identifiers, which proves the information is inconsistent and unreliable. Despite my repeated disputes, the bureaus continue to publish this incorrect personal information and have failed to delete it. 

This conduct violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of consumer files. Reporting a false date of birth and a false address is not only inaccurate but reckless, especially because I am a documented victim of the Equifax and XXXX XXXX XXXX XXXX. Allowing incorrect personal identifiers to remain in my file after breaches of this scale increases my risk of fraud, file contamination, and the wrongful reporting of unauthorized accounts. 

The bureaus refusal to remove this false personal information demonstrates a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) and shows disregard for my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 incorrect 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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-08-29 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: NM

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-30 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: NC

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am a XXXX visa holder temporarily working in the U.S. I opened a Chime account in XX/XX/year>, provided my Social Security Number, and received direct deposit payment into the account. In XX/XX/XXXX, Chime suddenly locked my account without explanation. 

I contacted Chime support multiple times by phone and through the app. I asked why my account was locked and how to unlock it. They told me I must provide a U.S. state ID or drivers license, but I only have my valid passport, XXXX visa, and Social Security card XXXX As a temporary exchange visitor, I can not obtain a U.S. state ID before leaving the country. 

I asked Chime to close the account and send my remaining balance by check or transfer. They refused and said they can not release my funds unless I unlock the account first, which is impossible with their requirements. 

The amount currently being held is {$700.00} balance amount. I am leaving the U.S. on XX/XX/year>, and need urgent access to these funds. 

Chime is holding my money without providing a reasonable method for me to access it. I request that the CFPB require Chime to immediately release my funds or provide an alternative verification method that I can complete before my departure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo unilaterally terminated our access to our Business Checking Account on XX/XX/year> without our consent or prior notification. This action of Wells Fargo was unjust, unfair and lacked due process. 

( Please see uploaded document for more details of this complaint. )

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 2025-08-30 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 incorrect 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 explanation
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft/Fraudulent Account Dispute Request for Block under FCRA XXXX To Whom It May Concern : I am a victim of identity theft and my personal data was compromised in major credit bureau data breaches . All of the following negative items on my credit report are the result of fraudulent activity and were not authorized by me : [ List each negative account as it appears on your report ; ex : ] - XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Account ending XXXX ) Charge Off - XXXXXXXX XXXX  ( Account ending XXXX ) Charge Off - XXXX XXXX XXXX XXXX ( Account ending XXXX ) Collection - XXXX XXXX XXXX ( Account ending XXXX ) Collection - National Credit Adjusters ( Account ending XXXX ) Collection - Sequium Asset Solutions ( Account ending XXXX ) Collection - [ Add any others ] Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and in accordance with FTC guidance , I request that you BLOCK and REMOVE these fraudulent items within four ( 4 ) business days. I have attached : - A copy of my signed Identity Theft Report ( FTC affidavit or police report ) - Proof of identity - A copy of my credit report with fraudulent items circled Please notify all furnishers associated with these accounts of their obligation to cease all reporting, collection or transfer related to these fraudulent accounts.

Thank you for protecting my rights as an identity theft victim. Please confirm in writing when these items are removed from my file. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report, Proof of ID, Highlighted Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries that have appeared on my credit report. On XX/XX/year>, I discovered multiple inquiries that I did not authorize or initiate. These inquiries were made by : 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/year> I want to make it clear that I, the consumer, personally submitted my dispute to the credit reporting agencies and no third party is acting on my behalf. 

These inquiries are impermissible under FCRA 604 ( a ) ( 3 ) because they were not initiated by me and no permissible purpose exists. The credit reporting agencies are also failing their obligation under FCRA 607 ( a ) to ensure reasonable procedures are in place to prevent unauthorized access to consumer reports. 

I submitted disputes to the credit bureaus, but the inquiries remain. Under FCRA 611 ( a ), I have the right to dispute and request deletion of unverifiable or inaccurate information, and the bureaus must reinvestigate. Additionally, under FCRA 615 ( a ), if any adverse actions were taken due to these inquiries, I am entitled to proper disclosures. 

I am requesting that the CFPB require the credit bureaus to : Fully investigate these inquiries, Provide documented proof of my authorization ( if any exists ), and Immediately remove any unverifiable or unauthorized inquiries from my credit report. 

Failure to remove these inquiries violates the Fair Credit Reporting Act and places my creditworthiness at risk.

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 2025-08-30 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: NY

Complaint narrative:
I am writing to formally dispute your failure to comply with the procedural requirements of the Fair Credit Reporting Act ( FCRA ).

I have an active dispute regarding the accuracy of several accounts on my credit file. Despite this, your agency has failed to mark these accounts as " in dispute '' on my consumer credit report, as is explicitly required by 15 U.S.C. 1681i ( c ).

This failure is a clear procedural violation that prejudices my rights. The absence of a dispute notation misleads any user of my credit report into believing the information is accurate and not contested, which causes direct harm to my creditworthiness during the reinvestigation process. 

Accounts Not Marked " In Dispute '' : XXXX XXXX XXXXXXXX ( Account XXXX XXXX [ Last 4 Digits of XXXX XXXX  ] ) XXXX  XXXX XXXX ( Account : XXXX [ Last 4 Digits of XXXXXXXX XXXX ] ) XXXX 's ( Account XXXX XXXX [ Last 4 Digits of XXXXXXXX XXXX ] ) Requested Relief : I demand that you immediately : Flag all the accounts listed above with the notation " Consumer Disputes Information '' as required by law.

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