vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover credit account reporting history from XX/XX/year> and XX/XX/year> was marked late and i have requested company to update to current or to leave that month blank as this error is effecting my report and home buying options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
The personal information on my credit report is outdated.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 2025-07-09 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: SC

Complaint narrative:
I am formally disputing inaccurate, outdated, and unverifiable information being reported by [ Experian/Equifax/TransUnion ] that has negatively affected my credit profile. This includes incorrect account data, identity mismatches, unvalidated derogatory accounts, and failure to follow proper reinvestigation procedures under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq ).

I have included an attached addendum detailing all disputed items, legal violations, and remedies requested including opt-out instructions, promotional inquiry blocks, and name/address corrections. 

These errors have resulted in multiple credit denials, including for a mortgage and auto loan, and have caused personal and financial harm. I respectfully request immediate action from the Consumer Financial Protection Bureau to ensure my rights are enforced and my credit file is corrected.

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 2025-07-09 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 am the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report , formal dispute letter, and government-issued ID, SSN, and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 the victim of identity theft. I have submitted a formal dispute along with an FTC Identity Theft Report and all required documentation to support the claim. Under the Fair Credit Reporting Act, the bureaus are obligated to block all fraudulent accounts within 4 business days of receiving proper notice. I am demanding permanent deletion of the following : -Fraudulent accounts and inquiries -Inaccurate or unverifiable personal information I am attaching my FTC report , formal dispute letter, and government-issued ID, SSN, and proof of address.

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 2025-07-09 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 am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/year> Fair Collections & Outsourcing , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Alleged Debt Reference # XXXX To Whom It May Concern : This letter serves as a formal and vigorous dispute of the alleged debt you claim I owe in connection with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in the amount of {$4400.00}. I do not owe this debt, and I dispute its validity in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ),.

I also want to make it explicitly clear that I am a XXXX XXXX member and a legally protected
person under federal law, including but not limited to the Servicemembers Civil Relief Act ( SCRA ) and other relevant consumer protection laws. Any attempt to collect a debt that is not valid, or to do so in a harassing or deceptive manner, constitutes a violation of these protections and will not be tolerated.

The decision I was forced to make, to vacate the premises, was the direct result of ongoing, documented safety concerns specifically, repeated and violent domestic disturbances in the apartment directly across the hall from me. Despite multiple written complaints to XXXX XXXX XXXX, no meaningful action was taken to ensure my safety. This negligence culminated in multiple violent altercation between tenants that left a XXXX XXXX  in my doorway. These events were disturbing, traumatic, and made the premises uninhabitable. 
Please also see the XXXX XXXX news story on XXXX XXXX XXXX As such, I hold that I had legal grounds to terminate my lease early for safety reasons and therefore reject any financial liability arising after my departure.

You are hereby instructed to : 1. Cease all collection activity until this debt has been fully validated.

2. Refrain from reporting this debt to any credit reporting agency unless and until it is verified.

Any failure on your part to comply with these legal obligations will be documented and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Sincerely, XXXX XXXX XXXX XXXX XXXX Member / Protected Consumer Under Federal 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
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
I am submitting this complaint because Wells Fargo has failed to comply with federal law under Regulation E ( 12 CFR 1005.11 ) regarding three unauthorized ACH debits from my business account. 

XX/XX/year> : Three unauthorized ACH debits were made from my Wells Fargo business account ending in XXXX : {$200.00} to XXXX XXXX XXXX XXXX XXXX XXXX} to XXXX XXXX {$29.00} to XXXX XXXX XX/XX/year> : I notified Wells Fargo and filed XXXX fraud complaints. I was given case numbers XXXX and XXXX. 

XX/XX/year> : I escalated my complaint after both were denied without proper investigation. Wells Fargo opened Claim No. XXXX, then denied it the same day, citing that too much time had passed despite my notification being made within XXXX hours of the transactions. This denial is factually and legally false. 

XX/XX/year> : I received a second denial stating that the transactions were authorized merely because my account and routing number were used. This reasoning directly contradicts Regulation XXXX, which defines an unauthorized transfer as any initiated by a person without actual authority and from which the consumer receives no benefit. 

XX/XX/year> : I went to the XXXX, XXXX  branch to deliver a Written Statement of Unauthorized Debit ( XXXX ). The branch manager refused to accept the letter and sent me to a banker named XXXX XXXX. XXXX XXXX initially acknowledged that the too much time passed denial was improper, but then told me to go get my money from XXXX XXXX. She stated she would submit a fraud complaint on my behalf but refused to give me a copy of the submission. She also refused to accept the XXXX, saying she could not sign for legal documents and that the manager needed to take them even though the manager had already refused. 

As of XX/XX/year> : I have received no follow-up, no reimbursement, and no written confirmation of a reopened case. I received one disconnected call from XXXX XXXX XXXX number, and nothing further.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Subject : Fraudulent Activity Account Dispute Police Report Filed Re : Dispute of Fraudulent Account Reporting in Violation of FCRA and XXXX XXXX To Whom It May Concern, I am writing to formally dispute a fraudulent activity on my account appearing on my credit report. The account in question is mine yet there are Fraudulent charges on the account that were directly disputed and was never resolved and is the result of fraudulent access to my credit card. This matter has been reported to law enforcement.

Under the FCRA ( Fair Credit Reporting Act ) and XXXX XXXX compliance guidelines, I am requesting that this fraudulent account be : Promptly blocked from my credit file under FCRA 605B, Removed from all future reports, and Not reinstated charges unless full validation is provided in writing.

Failure to block or delete this account may constitute a violation of federal law, and I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal action if necessary.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccurate and potentially unverifiable student loan accounts reported by XXXX on my credit report. 

I reviewed my TransUnion credit report on XX/XX/XXXX, and identified the following XXXX accounts that I am disputing due to possible errors, duplications, or unverifiable reporting : XXXX Acct # : XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX Acct # : XXXXXXXX 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  Balance : {$10000.00} These accounts appear duplicative and inconsistent in both the structure and balance reporting. It is unclear whether XXXX has furnished complete, accurate, and verifiable information as required by federal law. I am requesting : XXXX. A full reinvestigation of these XXXX accounts XXXX. Verification of each account with original source documentation ( including signed XXXX XXXX XXXX ) XXXX. Deletion of any accounts that can not be verified or are duplicative/inaccurate Under the Fair Credit Reporting Act, the following apply : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy in credit reporting 15 U.S.C. 1681i ( 5 ) requires deletion of unverifiable or inaccurate information after reinvestigation 15 U.S.C. 1681s-2 prohibits furnishers from reporting information they know or should reasonably know is inaccurate Please confirm receipt and notify me of the results of the reinvestigation.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They closed a credit card account & charged of the debt off. Profit & loss write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing to dispute an account on my credit report from XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ). The information reported is inconsistent and inaccurate : Just one is example is, The high credit is listed as {$0.00} on some reports and {$210.00} on others.

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. They also violate Texas Business and Commerce Code 20.06, which requires consumer reporting agencies to maintain complete and accurate files.

Because of these reporting errors, Im requesting that this account be deleted from my credit report. Please inv
estigate and remove it since all 3 credit bureaus failed to verify this account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted formal written disputes to the credit reporting agencies concerning multiple negative accounts on my credit report that I believe are inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ). Despite providing supporting documentation and requesting a reasonable investigation, some of the accounts were returned as verified by the credit bureaus. 

However, these accounts are still reporting inaccurate and incomplete information and do not meet the FCRAs standard of maximum possible accuracy. I was not provided with any proof of verification or the method used to determine the information was accurate. I believe this violates the credit bureaus obligations under 15 U.S. Code 1681i and 1681e ( b ).

The continued reporting of inaccurate information is harming my credit profile, affecting my ability to obtain credit, and causing undue stress. These accounts should be removed if they can not be verified with complete and accurate data as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to dispute an inaccurate and misleading account on my credit report. The account details are : Account # : XXXX XXXX XXXX XXXX XXXX  Creditor : ( Medical No original creditor listed ) This account is being reported with a future Date of Last Activity, which is factually impossible and violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) and 1681c ). This is a deceptive practice known as " re-aging '', and it unfairly extends the time this negative account can remain on my report.

Because of these serious inaccuracies, I am requesting that this account be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please unfreeze my credit files and remove the fraud alerts from my credit reports.

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 2025-07-09 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: AZ

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've been charged multiple " cash advance fees '' - unbeknownst to me corresponding to XXXX XXXX transaction I overpaid my entire balance by such a large amount that they sent a refund of the over payment and immediately after they charged me ANOTHER cash advance fee for allegedly not having paid off my balance in full which I have done every single month ( and even overpaid by thousands this last month )

Company response to consumer: Closed with explanation