vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a consumer trying to fix my credit. I am requesting a full investigation into the accuracy, completeness, and reporting compliance of the accounts listed below. Many of these accounts contain inconsistent data across the bureaus, incomplete reporting, and information that I do not recognize or believe to be accurate. I am asking for each bureau to conduct a reinvestigation under the FCRA and provide corrected results. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$3700.00} Inquiries None listed for Equifax Positive Accounts No positive accounts listed Late Payments in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo closed my account on XX/XX/XXXX. When I called on the same day, the representative told me that my funds would be transferred to my other checking account within XXXX hours. This turned out to be completely false. 

A few days later, another representative told me that information was wrong and instead the funds would be mailed by check. Since then, I have been given multiple different stories and conflicting information every time I have called. 

On Saturday, a representative told me the check was mailed out on Thursday. Today, I called again and was told that the check was actually mailed out on Friday and that the previous rep shouldnt have even told me that because he could not see that information. 

I received a check number but still have no check, no tracking, and no consistent information. This delay has created a serious financial hardship : I am behind on bills, I have had to extend a rental car out of pocket, and I can not access my own money because Wells Fargo has held it for weeks with no clear explanation. 

I am requesting that Wells Fargo immediately trace this check, confirm whether it was actually mailed, and reissue it or provide a way for me to receive my funds without further delay. I also request a written explanation for why I was given false and contradictory information. This situation is causing real financial damage and needs urgent resolution.

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 2025-11-24 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: GA

Complaint narrative:
1. Summary of Complaint : XXXX is inaccurately reporting a series of late payments ( XX/XX/XXXX through XX/XX/XXXX ) to the credit bureaus, despite subsequently granting a retroactive forbearance that covers the entire period of delinquency. My account is currently reported as " XXXX '' by XXXX, yet the preceding late payment marks remain, constituting inaccurate credit reporting that has severely damaged my financial standing.

2. Chronology of Events & Hardship XX/XX/XXXX : I was involved in a XXXX XXXX XXXX resulting in severe injuries, multiple XXXX  ( 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 ), and required nearly a XXXX  of recovery, including having to relearn to XXXX  and use my XXXX XXXX 

My status as a full-time student ended due to my XXXX  and XXXX, which XXXX claims triggered the end of my in-school forbearance. 

Due to my XXXX and continuous care needs, I was unaware of the change in my loan status and unable to respond to any purported communications ( mail or email ) regarding payments resuming. 

XX/XX/XXXX XX/XX/XXXX : Payments were missed during my medical crisis, leading to the reported delinquencies. I discovered this issue only when my credit score significantly dropped. 

3. The Inaccurate Reporting Claim Upon contacting XXXX, a resolution was reached to mitigate the extreme hardship. XXXX approved and implemented a retroactive forbearance that specifically covers the period from XX/XX/XXXX to XX/XX/XXXX. The retroactive forbearance starts in XX/XX/XXXX. 

When a forbearance is backdated to cover a period of delinquency, the loan status for those months must be updated to reflect that no payment was due. 

The continued reporting of " late payments '' for this same period is inaccurate under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit information be reported with maximum possible accuracy. The loan status reported to the credit bureaus for the covered months should be " XXXX XXXX XXXX, '' not a XXXX, XXXX, or XXXX late mark. 

I have provided XXXX with formal disputes and documentation of the backdated forbearance approval, but they have failed to investigate or correct the inaccurate 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 2025-11-24 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: GA

Complaint narrative:
1. Summary of Complaint : XXXX is inaccurately reporting a series of late payments ( XX/XX/XXXX through XX/XX/XXXX ) to the credit bureaus, despite subsequently granting a retroactive forbearance that covers the entire period of delinquency. My account is currently reported as " XXXX '' by XXXX, yet the preceding late payment marks remain, constituting inaccurate credit reporting that has severely damaged my financial standing. 

2. Chronology of Events & Hardship XX/XX/XXXX : I was involved in a XXXX XXXX XXXX resulting in severe injuries, multiple surgeries ( 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 ), and required nearly XXXX XXXX of recovery, including having to relearn to XXXX  and use my XXXX XXXX 

My status as a XXXX  student ended due to my XXXX  and XXXX, which XXXX claims triggered the end of my in-school forbearance. 

Due to my incapacitation and continuous care needs, I was unaware of the change in my loan status and unable to respond to any purported communications ( mail or email ) regarding payments resuming. 

XX/XX/XXXX XX/XX/XXXX : Payments were missed during my medical crisis, leading to the reported delinquencies. I discovered this issue only when my credit score significantly dropped. 

3. The Inaccurate Reporting Claim Upon contacting XXXX, a resolution was reached to mitigate the extreme hardship. XXXX approved and implemented a retroactive forbearance that specifically covers the period from XX/XX/XXXX to XX/XX/XXXX. The retroactive forbearance starts in XX/XX/XXXX. 

When a forbearance is backdated to cover a period of delinquency, the loan status for those months must be updated to reflect that no payment was due. 

The continued reporting of " late payments '' for this same period is inaccurate under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit information be reported with maximum possible accuracy. The loan status reported to the credit bureaus for the covered months should be " XXXX XXXX XXXX, '' not a XXXX, XXXX, or XXXX late mark. 

I have provided XXXX with formal disputes and documentation of the backdated forbearance approval, but they have failed to investigate or correct the inaccurate 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 non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I have never opened or used an account with this 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 2025-11-24 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 have never opened or used an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I demand immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: MS

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$250.00}, XXXX XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XX/XX/scrub>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 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Lease amendment dated XX/XX/XXXX releasing myself and daughter XXXX from any financial obligations after XXXX XXXX. Kimball , Tirey & St. John LLP have been billing us since XXXX regarding rental charges for XXXX which have no basis. They have been notified by my attorney in XXXX and recently again in XXXX with no response. XXXX XXXX XXXX have also been notified and they continue to carry this falsehood on my credit report. How can I put an end to this falsehood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Legal Group, P.C.
State: TX

Complaint narrative:
I am in the XXXX XXXX XXXX On XX/XX/2023, I signed a contract to help settle two debts XXXX XXXX XXXXXXXX and XXXX. I was told that if I paid {$9500.00}, they would eliminate the debt of the two listed debts. When my security clearance was reviewed they informed me that the debt was still there after two years of paying and the debt had increased to {$2000.00} or more. When I talked to the company they said that they were in litigation with the XXXX XXXX XXXXXXXX and had not started on the XXXX at all. When the representative talked to me they told me that they would be able to decrease or eliminate the debt. When I recently spoke to them they said the money I sent was not to pay off the debt but to pay legal fees to address the debt. I informed them on the phone that the representative did not state this was for legal fees only. I had been paying my debt and I was not in trouble with this debt. The information of them saying they would take care of it helped me to choose them because I was planning to purchase a home in the next two years which would be now. I asked them to refund my money because I don't see where the {$8200.00} was used for. I feel I was mislead and lied to by this company. I desire that all of my money be refunded.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 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 a consumer simply trying to fix and correct my credit reports. I am requesting a full investigation into the inaccurate, incomplete, and unauthorized information listed below for each bureau. 

Inquiries Under Dispute These inquiries appear unauthorized or inaccurate and need proper verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Positive Accounts ( None reported for this bureau. ) Late Payments Under Dispute 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 2025-11-24 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: NY

Complaint narrative:
this ACCOUNT WAS XXXX PAID IN FULL XXXX XXXX XXXX  KEEPSS SAYING ITS SETTLED READ!!!!!! EXPERIAN TRANSUNION AND XXXX MUST UPDATE TO PAID IN FULL I DONT OWE ANYTHIGN!! THERES ANOTHER LETTER

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XXXX XXXX, I attempted to deposit a check using CHASE banking APP. The app would not deposit my check and accused me of trying to deposit a check I have deposited before. I am a rental property owner and I get rent checks every month. The app was obviously confusing this check with another check from previous months and using that as an excuse to accuse me of depositing the same check. These checks have different numbers and dates and memos! How amateurish is this app that can not distinguish between checks with different numbers, dates and memos. 
I filed a complaint that same day with XXXX. My complaint was more general and about the app. I said if they are using some sort of AI to measure check similarity, they have to be certain they are measuring by check numbers and DATES as well as other things in a check. I received a call back from Chase once a few days ago where they asked information like did you try depositing it into a different account which the answer was yes and the app still refused service to me. I got another call today saying that the app had incorrectly recorded the number of a previous check because the check signature partly covered the number on the bottom. They told me what I have go to a branch and request to have them fix their previous mistake. Their mistake! not mine! I told them I have a medical condition and I can not go to the bank and I rely on online banking to do services correctly. They told me to call the bank or go get another check from my tenant!!!! These are not long term solutions! The correct thing for the bank to do is to FIX THEIR APP! The check number is written twice on every check, once on the bottom, second on the top right corner, as an AI researcher I know how EASY it is for their image processing algorithm to check both check numbers specially if one of them is partly covered by signature or writing. In addition, checks have different dates and memos written on them and the app should check those numbers to use them as specifiers as well as check numbers. The person I talked to said that apparently the app only reads the numbers at the bottom of the check. This has to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$250.00}, XXXX XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XX/XX/scrub>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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$250.00}, XXXX XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-11-24 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: MS

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 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