vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I need the security code for my XXXX  card issued by Wells Fargo. 
This card was replaced due to fraud a month ago. 
Although the card has been cancelled and replaced, Wells Fargo is refusing to provide me this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: OH

Complaint narrative:
XX/XX/year> They deposit from my XXXX XXXX XXXX XXXX was posted in my wisely account and I can not access my money or use the card at all. Its saying that its an active customer service is stating my account is locked to contact compliance, which I have and Im not heard back and can not access any of my money that I need immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
On XXXX XXXX, Ability Recovery Services LLC posted a debt of {$880.00} on my credit report. I have NEVER received a written bill in the mail and have no knowledge of this company or this debt. I attempted to call this company many times and can not get a professional that will speak to me about this debt. I also wrote a letter to dispute and have not received a response. I would like proof validating this debt.

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 2025-05-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern, I am writing to follow up on a recent dispute I filed regarding inaccurate information in my credit report. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to request a description of the procedure used to determine the accuracy and completeness of the disputed information. The accounts below continue to report errors after said verification. Please Provide proof of any/ all evidence that was conducted during investigation to ensure maximum accuracy of reporting on my credit report or immediately delete all items in question below because all information is unverifiable. 





Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : # XXXX XXXX XXXX  : XXXX XXXX XXXXXXXX Account XXXX : # XXXX Failure to comply within 30 days will result in formal complaints with the CFPB, FTC and legal action for damages under 15 U.S.C. 1681n,15 U.S.C . 1681i ( a ) ( 5 ) and 1681o.

Thank you.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 
Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : o XXXX XXXX ( {$20000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX XXXX ( {$16000.00} installment, {$16000.00} revolving ) opened XX/XX/XXXX, last activity XXXX o JPMCB CARD ( {$14000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$12000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$11000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$8600.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX {$460.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX ( balance {$0.00}, previously {$7500.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( credit limit {$8600.00} ) opened XX/XX/XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, XXXX, and XXXX between XXXX and XX/XX/XXXX, citing legal precedents ( Dalton v. Capital Associated Industries , Richardson v. Fleet Bank , Cushman v. TransUnion ) and demanding removal or correction of inaccurate, unverified, or outdated data. 
I requested documentation verifying the debts, dates, balances, and activity. 
I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General. 
I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe. 
Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates 15 U.S.C. 1681i. 
Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DISCOVER BANK
State: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 
Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : o XXXX XXXX ( {$20000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX XXXX ( {$16000.00} installment, {$16000.00} revolving ) opened XX/XX/XXXX, last activity XXXX o JPMCB CARD ( {$14000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX  ( {$12000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXXXXXX XXXX  ( {$11000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o DISCOVER CARD ( {$8600.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX {$460.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX ( balance {$0.00}, previously {$7500.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( credit limit {$8600.00} ) opened XX/XX/XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, XXXX, and XXXX  between XXXX and XX/XX/XXXX, citing legal precedents ( Dalton v. Capital Associated Industries , Richardson v. Fleet Bank , Cushman v. TransUnion ) and demanding removal or correction of inaccurate, unverified, or outdated data. 
I requested documentation verifying the debts, dates, balances, and activity. 
I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General. 
I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe. 
Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates 15 U.S.C. 1681i.

Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-29 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: TX

Complaint narrative:
closed accounts from XXXX XXXX XXXX ending in XXXX, XXXX, XXXX and XXXX  XXXX XXXX were fraudulently added to my equifax and experian credit reports. i did not open or authorize this accounts, and it is a result of identity theft. i have submiited a dispute to experian and equifax along with an ftc identity theft report and a copy of my govt ID but they have failed to remove or block the accounts as required under the fair credit reporting act ( FCRA ).

according to the FCRA, i am entitled to have fraudulent information removed when i provide proper documentation, which i did. this accounts are negatively impacting my credit and i am requesting CFPBs assistance in having it removed

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies and unresolved derogatory tradelines appearing on my credit report that I have disputed previously without adequate investigation or correction. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and continue to cause me financial and reputational harm. 

Details of Disputed Accounts : XXXX XXXX ( Account Ending XXXX ) Reporting as charged off with a high balance of {$800.00} opened on XX/XX/XXXX. I have disputed this account due to inaccurate reporting and lack of validation. It remains unresolved. 

XXXX ( Account Ending XXXX ) Charged off with a high balance of {$1800.00} opened on XX/XX/XXXX. I requested validation and reinvestigation under FCRA XXXX, which has not been properly conducted. 

XXXX ( XXXX ) Late payments reported on a {$420.00} balance opened XX/XX/XXXX. Payments and terms were not accurately reported and my dispute was not addressed. 

XXXX  ( Account Ending XXXX ) Late payments on a {$600.00} balance from XX/XX/XXXX. Inconsistent reporting continues despite prior disputes. 

XXXX XXXX XXXX payments on a {$240.00} account from XX/XX/XXXX. XXXX lacks clarity and supporting documentation. 

XXXXXXXX XXXX ( Account Ending XXXX ) Late payment reporting on a {$590.00} balance opened on XX/XX/XXXX, not supported by my payment history. 

XXXX XXXX XXXX ( XXXX ) Late payments on a {$530.00} balance from XX/XX/XXXX. XXXX remains inaccurate after dispute. 

XXXX  ( XXXX ) Late payments on {$720.00} opened on XX/XX/XXXX, misreported without investigation. 

XXXX  ( Account Ending XXXX ) XXXX account for {$370.00} opened XX/XX/XXXX, lacks validation of debt. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection of {$1600.00} from XX/XX/XXXX appears unverifiable and premature. 

XXXX XXXX  XXXX ( Account Ending XXXX ) Collection of {$710.00} opened XX/XX/XXXX. No documentation has been provided validating this debt. 

Harm and Legal Violations : These entries have negatively impacted my credit score and resulted in credit denials, higher interest rates, and emotional distress. The failure to correct or validate these items is a violation of FCRA XXXX, XXXX, XXXX, and XXXX, and possibly the Fair Debt Collection Practices Act ( FDCPA ) if XXXX-party collections are inaccurately reported. 

Relief Sought : I am requesting a full reinvestigation of these accounts, removal of any unverifiable or inaccurate data, and written confirmation of the resolution. If unresolved, I intend to pursue further complaints with the FTC and Attorney General.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies and unresolved derogatory tradelines appearing on my credit report that I have disputed previously without adequate investigation or correction. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and continue to cause me financial and reputational harm. 

Details of Disputed Accounts : XXXX XXXX ( Account Ending XXXX ) Reporting as charged off with a high balance of {$800.00} opened on XX/XX/XXXX. I have disputed this account due to inaccurate reporting and lack of validation. It remains unresolved. 

XXXX ( Account Ending XXXX ) Charged off with a high balance of {$1800.00} opened on XX/XX/XXXX. I requested validation and reinvestigation under FCRA XXXX, which has not been properly conducted. 

XXXX ( XXXX ) Late payments reported on a {$420.00} balance opened XX/XX/XXXX. Payments and terms were not accurately reported and my dispute was not addressed. 

XXXX  ( Account Ending XXXX ) Late payments on a {$600.00} balance from XX/XX/XXXX. Inconsistent reporting continues despite prior disputes. 

XXXX XXXX XXXX payments on a {$240.00} account from XX/XX/XXXX. XXXX lacks clarity and supporting documentation. 

XXXXXXXX XXXX ( Account Ending XXXX ) Late payment reporting on a {$590.00} balance opened on XX/XX/XXXX, not supported by my payment history. 

XXXX XXXX XXXX ( XXXX ) Late payments on a {$530.00} balance from XX/XX/XXXX. XXXX remains inaccurate after dispute. 

XXXX  ( XXXX ) Late payments on {$720.00} opened on XX/XX/XXXX, misreported without investigation. 

XXXX  ( Account Ending XXXX ) XXXX account for {$370.00} opened XX/XX/XXXX, lacks validation of debt. 

XXXX XXXX XXXX ( Account Ending XXXX ) Collection of {$1600.00} from XX/XX/XXXX appears unverifiable and premature. 

XXXX XXXX  XXXX ( Account Ending XXXX ) Collection of {$710.00} opened XX/XX/XXXX. No documentation has been provided validating this debt. 

Harm and Legal Violations : These entries have negatively impacted my credit score and resulted in credit denials, higher interest rates, and emotional distress. The failure to correct or validate these items is a violation of FCRA XXXX, XXXX, XXXX, and XXXX, and possibly the Fair Debt Collection Practices Act ( FDCPA ) if XXXX-party collections are inaccurately reported. 

Relief Sought : I am requesting a full reinvestigation of these accounts, removal of any unverifiable or inaccurate data, and written confirmation of the resolution. If unresolved, I intend to pursue further complaints with the FTC and Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-05-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Erroneous ( fraudulent ) charges were placed on my account from 2 transactions on XX/XX/XXXX for the amount of $ XXXX and XX/XX/XXXX for the amount of {$1500.00}. I disputed these charges when I was reviewing my charges and the large balance increase. I was told that these charges were from 2 separate check advancements processed at a bank for cash. I submitted a dispute in XX/XX/XXXX. When I called back in XX/XX/XXXX ( about 2 weeks ) for an update on the status of dispute ; I was told that I had not completed any paperwork for filing and NONE had been sent or given to me. I completed and returned the paperwork on XX/XX/XXXX for processing. Following up again in a couple of weeks, I was informed that I still needed to additional paperwork to be completed that I was never given before they could begin to investigate this possible fraud on my behalf. I followed through with each NEW request for documentations being made when I call for an update. On XX/XX/XXXX, I asked for update on location of bank where funds were given or copy of signature of checks but no update given and again, I was asked to submit yet another form and no progress on the investigation. I last spoke with them on XX/XX/XXXX requesting update and another form that they say needs to be filled out was given to me! Enough, I need a temporary credit issued on the account or copies of checks issued and location of processing bank location. It seems like they want me to stop inquiring.

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 2025-05-29 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: FL

Complaint narrative:
I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief