vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
My debt is XXXX. It was agreed with the judge that I would pay in XXXX  months. I was late with the payments and now I want to pay the total debt. They say that by not paying, I now owe more money because they are charging me XXXX more fees and I only want to pay my real debt. Now I owe much more. I feel that it is an abuse. They are taking money from my check and I will pay more and I only want to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRIES : XXXX OF XXXX Date : XX/XX/year>

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 2025-06-20 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:
So recently, I was trying to open up an account with Wells Fargo. I was indicated that I couldnt open an account that I had to wait for the letter from Wells Fargo to indicate why I was nine therefore I received the letter indicating that XXXX XXXX XXXX XXXX XXXX XXXX showed up Under system therefore I was not able to open an account and going into the branch today after a year Im still unable to open an account even though I have the documents from 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n  1681c-2) that you, the XXXX credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within 4 business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: XXXX XXXX\n XXXX XXXX XXXX XXXX\n XXXX XXXX XXXX\n ACCOUNTS:\n XXXX - Account Number: XXXX, Date Opened: XXXX, Balance:\n $XXXX \nXXXX - Account Number: XXXX, Date Opened: XXXX, Balance: $XXXX \nXXXX XXXX Account Number: XXXX, Date Opened: XXXX XXXX XXXX, Balance:\n XXXX \nXXXX - Account Number: XXXX Date Opened: XXXX XXXX, Balance:\n $XXXX \nXXXX  - Account Number: XXXX Date Opened: XXXX Balance:\n $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 non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Pursuant to 15 U.S. Code 1681, I request that you : 1. Remove the disputed hard inquiries from my credit report.

2. Conduct a thorough investigation into this dispute and verify the accuracy of the disputed information. 
XXXX. Provide me with written confirmation of the removal and the results of your investigation. 

XXXX XXXX  Request for XXXX XXXX Given the potential harm caused by the data breaches and the inaccurate information on my credit report, I request that you expedite the processing of this dispute.

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 2025-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Pursuant to 15 U.S. Code 1681, I request that you : 1. Remove the disputed hard inquiries from my credit report.

2. Conduct a thorough investigation into this dispute and verify the accuracy of the disputed information.

3. Provide me with written confirmation of the removal and the results of your investigation. 

XXXX XXXX Request for XXXX XXXX Given the potential harm caused by the data breaches and the inaccurate information on my credit report, I request that you expedite the processing of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am profoundly disappointed and angered by your reckless violation of my consumer rights through the dissemination of inaccurate, unverifiable, and unauthorized information on my credit report. You are legally obligated to report only factual, fully verified, and Metro 2-compliant data under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards.

The credit report I received contains multiple errors and unverifiable claims that raise serious doubts about your adherence to federal law and your responsibilities under FCRA 1681e ( b ), which requires maximum possible accuracy. The continued reporting of these accounts without complete and independent verification constitutes willful noncompliance, as defined under FCRA 1681n.

I demand that you provide tangible, verifiable, and original evidence proving the lawful reporting and permissible purpose of each disputed account, including my full written consent bearing my physical or electronic signature. If you can not produce such evidence, you are required by law to immediately DELETE the disputed information from my credit report.

Personal Information Being Challenged : Incorrect Name : XXXX, XXXX XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Employer : XXXX XXXXXXXX XXXX Employer : XXXX Employer : XXXX XXXX XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Accounts Being Challenged : XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX Inquiries Being Challenged : XXXX XXXX - XXXX I demand full compliance with FCRA 1681b ( a ) regarding permissible purpose for all inquiries. The listed inquiry lacks my documented, signed authorization and must be permanently DELETED if you can not produce my consent.

You are further instructed to mail physical copies of all documentation, including any and all evidence of my authorization, verification results, and an updated copy of my credit report reflecting accurate and fully compliant data.

Failure to comply within 5 business days will result in my immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal counsel to pursue full damages for willful noncompliance.

This is your final opportunity to correct your violations and ensure strict adherence to FCRA, FDCPA, and Metro 2 standards.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am profoundly disappointed and angered by your reckless violation of my consumer rights through the dissemination of inaccurate, unverifiable, and unauthorized information on my credit report. You are legally obligated to report only factual, fully verified, and Metro 2-compliant data under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards.

The credit report I received contains multiple errors and unverifiable claims that raise serious doubts about your adherence to federal law and your responsibilities under FCRA 1681e ( b ), which requires maximum possible accuracy. The continued reporting of these accounts without complete and independent verification constitutes willful noncompliance, as defined under FCRA 1681n.

I demand that you provide tangible, verifiable, and original evidence proving the lawful reporting and permissible purpose of each disputed account, including my full written consent bearing my physical or electronic signature. If you can not produce such evidence, you are required by law to immediately DELETE the disputed information from my credit report.

Personal Information Being Challenged : Incorrect Name : XXXX, XXXX XXXX Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Employer : XXXX XXXXXXXX XXXX Employer : XXXX Employer : XXXX XXXX XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Accounts Being Challenged : XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX Inquiries Being Challenged : XXXX XXXX - XXXX I demand full compliance with FCRA 1681b ( a ) regarding permissible purpose for all inquiries. The listed inquiry lacks my documented, signed authorization and must be permanently DELETED if you can not produce my consent.

You are further instructed to mail physical copies of all documentation, including any and all evidence of my authorization, verification results, and an updated copy of my credit report reflecting accurate and fully compliant data.

Failure to comply within 5 business days will result in my immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal counsel to pursue full damages for willful noncompliance.

This is your final opportunity to correct your violations and ensure strict adherence to FCRA, FDCPA, and Metro 2 standards.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent account into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX  XXXX- ( PARTIAL ACCOUNT NO : XXXX ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$520.00}

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 2025-06-20 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I made a booking error through Chase XXXX at XXXX a.m. on XX/XX/XXXX. I intended to extend my XXXX XXXX stay from XX/XX/year> but accidentally booked XX/XX/year> instead. 

I contacted Chase XXXX within minutes at XXXX and followed every instruction. They said they needed the hotels approval to refund. The hotel said they needed the manager, who wasnt there. I followed up repeatedly over XXXX weeks through email and chase XXXX  through call, and finally XXXX told me it was now too late to approve a refund even though I acted immediately and had documentation. 

I have emails from the hotel XXXX stating Chase * can * refund me directly, but they chose not to. This has cost me over {$500.00} and days of back-and-forth effort, and I feel stuck between two companies who are pointing fingers.

Im seeking a fair refund based on how quickly and responsibly I acted. I can provide all supporting documentation. 

Trip ID on chase XXXX  : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove 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
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-06-20 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: NC

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry 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