vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: AL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-13 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called to try and get XXXX of XXXX overdraft fees reversed. I was declined because I had reached my refund limit. My employer did payroll late and my paycheck was subsequently late depositing into my account. 

The overdraft fee is {$34.00} for each transaction and I was charged for a {$5.00} and {$6.00} overdraft. I was charged a total of {$130.00} of overdraft fees in total and as a loyal customer ( over XXXX years of banking with them ) I find this absurd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check from my work, where i have been working for 4 years. My company uses Chase to bank, I deposited a check into my Chase account from my company ( I have done this many times before ), and they put it on a 48hour hold. I went into my branch 2 weeks ago to do the same thing, I got my funds instantly. I asked them if I did this via mobile check deposit in their application, would the funds be available immediately, they said yes. But now that ive done that, they have put it on hold. The check is dated XXXX and now on XX/XX/year> they are not releasing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to demand the immediate removal of a fraudulent account from my credit report. I have never opened, authorized, or had any dealings with the account in question. Its presence is false, harmful, and damaging to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bank with Wells Fargo and have for over XXXX years. I sent a tax payment check to the GA XXXX in the amount of {$6500.00}. The check was stolen from the post office, washed and cashed at a XXXXXXXX XXXX in XXXX. We looked to make sure the check had cleared XXXX XXXX for the XXXX  XXXX payment of {$6700.00} and it had cleared the bank. I was informed in XXXX by the GA XXXX they had not received my tax payment of {$6700.00}. We contacted XXXX XXXX and upon looking closer at the check that cleared the bank noticed it had been washed and the pay to the order of had been changed to an individual. We have gone back and forth with Wells Fargo as they opened a case and have since denied reimbursement of the claim because it was over XXXX days. We notified XXXX as soon as we heard from the XXXX XXXXXXXX they had not received payment and have escalated multiple times to get our money reimbursed to our account to no avail.

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 2025-08-13 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: IL

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX And to each debt collector listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Receivable Management Re : Combined FCRA Dispute and FDCPA Debt Validation 15 U.S.C. 1681i, 1681s-2, 1692g Dear Credit Bureau and Debt Collector, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit reports from XXXX  ( dated XX/XX/XXXX ) and XXXX  ( dated XX/XX/XXXX ), I found the following items to be inaccurate, unverifiable, and/or not mine : Disputed Accounts XXXX  XXXX XXXX XXXX {$2500.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$260.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$400.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX {$680.00} Reported XXXX. XXXX, XXXX XXXX XXXX XXXX {$3000.00} Reported XXXX. XXXX, XXXX The XXXX XXXX {$1000.00} Reported XXXX. XXXX, XXXX Basis of Dispute : These accounts lack proper verification of ownership or contractual obligation. 

Some may be the result of errors, identity theft, or inaccurate reporting. 

Without complete, verifiable evidence, these entries must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

To the Credit Bureaus : Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of each disputed item. If you can not obtain verification from the furnisher, you must delete the item from my credit file.

To the Debt Collectors : Under 15 U.S.C. 1692g ( b ), you must provide the following within XXXX days of receipt of this letter : The original creditors name, address, and account number. 

A copy of the original signed contract or agreement. 

A full accounting and payment history from the original creditor. 

Documentation showing you are licensed to collect in my state. 


If you can not provide this information, you must cease all collection activity and request deletion from all credit bureaus. Any continued reporting of unverified debts is a violation of 15 U.S.C. 1692e ( 8 ). 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-13 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: NC

Complaint narrative:
I am a victim of identity theft. My identity was stolen to open up these fraudulent accounts. Ive never gave anyone authorization or permission to open these accounts in my name

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 2025-08-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

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 2025-08-13 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
I am writing to dispute the following information that appears on my EXPERIAN report from XX/XX/XXXX : Upon reviewing my consumer reports, I discovered some instances of Late Payments on an account for which I have ALWAYS maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting information. It is imperative that this information be reported with the utmost accordance. I have never missed a late payment on the following account : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements from XXXX showing that the late payments were my fault. I want to note XXXX XXXX XXXX XXXX failed and thus the account was late for two months. XXXX can not prove that the autopayment system DID NOT fail. If unable to furnish such proof that the autopayment system did not fail, I demand that these payments be promptly updated to reflect their true status as On-Time, as I have consistently upheld my payment obligations without delay. This account is incorrectly reporting that I have 2 late payments. On my XXXX report there are XXXX late payments being reported, however, on my XXXX Experian reports it is showing 2 months of late payments. Additionally, the auto payment feature I utilized did not work properly and I was never given notification of such issue or of late payment status. In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. I personally signed and sent this letter. 

Please also not that this discrepancy does NOT show on my XXXX report and thus should be removed because it is not on that report. 

Sincerely, 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 2025-08-13 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: IN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-13 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My lease ended in XX/XX/XXXX. I paid all of my auto payments ( XXXX payments ). I returned the lease at the end of my contract and the same dealership gave me a new vehicle. In XX/XX/XXXX I received notice that my credit score dropped and I had a derogatory account from Ally. I made calls and was informed a disposition fee was not paid. I have leased from others for over XXXX  years and never had to pay a fee outside of my lease monthly payments. The dealership told me the account for that car was satisfied when I got my new lease. In XX/XX/XXXX when I learned about the outstanding disposition fee I paid it immediately! Now Ally has changed the report to say improved vs deragotory and that it's still charged off. The account according to me has been closed and settled since I returned the lease. I can't keep paying on it to make it improve because I don't owe them or have their vehicle. I have included a picture of a letter they actually recently sent that says paid off. Yet they are reporting it as charged off and late. Please help remove the charge off status and the late status. This account is in good standing actually it should be closed. I paid on time monthly until the end of my contract. 

I have disputed with Ally and experian and have received XXXX letters in the mail from Ally dated XX/XX/XXXX. XXXX letter states there were no lates on this account. The same letter says this account was charged off in XXXX but my credit report says XXXX and XXXX. This letter also states last payment was made XX/XX/XXXX but the account was paid in full XXXX. Inconsistencies. No lates just a Charge off? Odd. The second letter states the account was charged as a loss and paid off. Inconsistencies. Both letters have contradicting information. I returned my lease for a new one in XX/XX/XXXX and received a new car. My loan was paid in full and the account was settled to my knowledge. Per my report with XXXX, Ally said my XX/XX/XXXX balance was {$570.00} and they received this XXXX payment of a XXXX  month lease ( this was when I returned it. ) this same report says {$410.00} ( not my car note ) was due XX/XX/XXXX ( I no longer had the vehicle ) and they received $ XXXX. Then the report shows {$410.00} still being owed until XXXX ( after the $ XXXX payment ) when they charged it off. Then the month of XXXX because they added another month after the disputes begin Please help remove this off my credit report in all negative aspects. It's not late or charged off.

Company response to consumer: Closed with explanation