vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-26 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CBC Companies, Inc.
State: IN

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 2025-08-26 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$520.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I went to the bank and asked them about accounts that are in my name I have two accounts that I keep asking them about and one account they are saying it's close and the other account I cant get no information about it I have prove on one of this accounts that its been open and still have funds in account I have been doing my part with the bank they asked me to prove to them they I have paperwork or emails with the bank and I did the n they told me that they will be sending everything off to their investigation team and they will be giving me a call they also said I would be a good idea to freeze the accounts because someone has changed my accounts to someone else name so I said ok freeze the accounts then after I send them everything I had on this accounts that said to report this to the sheriff department so I did that to them they said that they will get a hold of me I have been trying with bank o America and I have different dates on my emails that the bank send me and I have been calling and I can't get no response back I want to say I have been with no. Money due to bank of America not doing what they said to they are not calling me back and I went to the back because they called me and asked me to get an appointment to see what's going on with my accounts so I did that to and still haven't gotten a response I made the appointment with the bank because they send me an email to set up an appointment and to set up an appointment as well for a marketing account then I give them all of my personal information to this bank and I asked if I can get all my information back from them and they told me no I just need to find out why the bank has not been asking me for my information and what have they done with all the paperwork I email an hand delivery to the bank and why I can't get a response back I have been evicted from our home and I told the bank that I need to have this issue to be resolved and still has not been resolved with the bank.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXIn Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B (15 U.S.C. 1681c-2) XXXXPLEASE REMOVE THESE FILES A.S.A.PXXXXI HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE..XXXX ALSO SAID THE SAME THING.XXXX15 U.S. CODE  1681A\n15 U.S. CODE  1681 B2XXXXFCRA   605B (15 U.S.C.  1681c-2)  \nFCRA   605 (b) Block\nFCRA 611   \n(15 U.S.C.  1681 )  \n28 U.S. Code  1452XXXXALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS..\nBANKRUPTCY ACCOUNT:XXXXUS BK CT-XXXX XXXX XXXXBankruptcy XXXX XXXX-discharged\nOriginal filing dateXXXX XXXX XXXXLatest status dateXXXX XXXX XXXXRecord type\nBankruptcy XXXX XXXX-discharged\nCourt\nUS BK CT-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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXIn Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B (15 U.S.C. 1681c-2) XXXXPLEASE REMOVE THESE FILES A.S.A.PXXXXI HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE..XXXX ALSO SAID THE SAME THING.XXXX15 U.S. CODE  1681A\n15 U.S. CODE  1681 B2XXXXFCRA   605B (15 U.S.C.  1681c-2)  \nFCRA   605 (b) Block\nFCRA 611   \n(15 U.S.C.  1681 )  \n28 U.S. Code  1452XXXXALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS..\nBANKRUPTCY ACCOUNT:XXXXUS BK CT-XXXX XXXX XXXXBankruptcy XXXX XXXX-discharged\nOriginal filing dateXXXX XXXX XXXXLatest status dateXXXX XXXX XXXXRecord type\nBankruptcy XXXX XXXX-discharged\nCourt\nUS BK CT-XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Nelnet, Inc.
State: OR

Complaint narrative:
I have been disputing two private student loans serviced by Firstmark Services since XX/XX/XXXX. 

In XX/XX/XXXX, I requested copies of the original signed promissory notes, disclosure statements, and disbursement records for both loans. 
In XX/XX/XXXX, I sent a certified dispute letter. In XX/XX/XXXX, Firstmark responded with documents that did not match disbursement records and failed to include a valid promissory note for one loan. 
In XX/XX/XXXX, Firstmark admitted in writing that they did not have the original promissory notes or disclosure forms. Despite this admission, they continued reporting the loans to credit bureaus. 
On XX/XX/XXXX, Firstmark reported one loan ( Loan XXXX, Nelnet XXXX  ) as in default and sent it to collections. They also continued reporting the second loan ( Loan XXXX, XXXX XXXX ) as delinquent, even though the promissory note provided does not match the loans disbursement amounts. 
On XX/XX/XXXX, in response to my CFPB complaint, Firstmark again failed to provide a valid promissory note for the Nelnet XXXX  loan. They only provided billing statements and a payment history. For the XXXX XXXX loan, they provided a promissory note that still does not match the actual disbursement records. 

I believe Firstmarks actions violate the Fair Credit Reporting Act ( FCRA 611 ) because they are furnishing negative credit information while the debts remain in dispute and unvalidated. Their continued collection efforts without proper validation may also violate the Fair Debt Collection Practices Act ( FDCPA ).

These actions are causing significant credit harm to me and to my co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My business, XXXX, processed a {$21000.00} payment through Chases QuickAccept system. Chase is withholding these funds without justification.


I promptly submitted every document Chase Trust and Safety Team requested ( invoices, contracts, proof of services, customer contact information, and bank statements, even business reviews ). My account has no history of chargebacks. I have let customer know we have not been paid for delivering our services. I gave the customers contact information to Chase Trust and Safety Team to reach out to the customer directly. Despite this, Chase has issued contradictory written communications : one email stated that {$680.00} would be held, another later claimed {$10000.00} would be held. On multiple recorded calls, Chase agents admitted this appears to be an error, acknowledged my clean chargeback history, and confirmed they do not understand why the funds are being withheld. One agent even stated on a recorded line that it doesnt matter what was put in writing, Im telling you {$10000.00} is on hold which is unacceptable from any banking institution.

Chase has failed to respond directly to my emails to their Trust & Safety team, despite urgent escalation requests logged by their own agents.

This hold is preventing me from fulfilling obligations to my client and is actively harming my business.

I have attached the full communication thread with the Quick Accept team. I have recorded calls with Chase representatives, including members of the escalated Trust & Safety team, who explicitly stated that it does not matter what was communicated to me in writing. One representative told me that despite an email stating only {$680.00} would be held, Chase actually meant {$10000.00} and that what I am telling you over the phone is whats going to happen, regardless of the written communication.

This is a serious issue. A nationally chartered bank can not provide contradictory written communications and then disregard them verbally. This constitutes misrepresentation and deceptive banking practices, which are prohibited under federal consumer protection law. As a business owner, I can not and should not be forced to absorb Chases mistakes. Chase must honor what was communicated in writing and release my funds immediately.

Relief Requested : Immediate release of the full {$21000.00}.

Written clarification of Chases reserve policies.

Assurance that Chase will not engage in contradictory and deceptive communications with me in the future.

I can provide the contradictory emails and recorded call transcripts upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information being reported on my credit file. Upon reviewing my XXXX  credit report ( as of XX/XX/XXXX ), I noticed an entry from Midland Credit Management ( Account # XXXX ) that I believe is inaccurate and requires investigation. 

Details of the account in question : Creditor Name : Midland Credit Management Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {$3100.00} Status : Collection Account This account is being inaccurately reported. I am requesting that XXXX  investigate and validate the accuracy of this debt under the Fair Credit Reporting Act ( FCRA ). If Midland Credit Management or XXXX XXXX XXXX XXXX can not provide proper documentation verifying the debtincluding a signed contract or agreement with my name and proof that I am legally responsiblethis account must be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
Had told the debt collector that I would be making a monthly payment and she still continued to push for a full payment. I told her that I would continue to make monthly plans and requested multiple times to leave me alone as I will be making monthly plans. Incessantly emailed me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX'A third party company charge my account without 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 monetary relief
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
For the last week ( XX/XX/XXXX - XXXX ) I have applied for unsecure loans and a credit limit increase and they reported that there was a problem with my history. They reported that I have no credit history and thus declined the loans and limit increase. Companies include XXXX XXXX XXXX XXXX, and XXXX XXXX. I checked my report through XXXX and Equifax and they reported no history. I know I have had a report in the past as I have passed a credit check for my apartment ( XX/XX/XXXX ) and employment check in XXXX. 
How do I recover or fix my report?

Company response to consumer: Closed with explanation