vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$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, 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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
-Chase Bank has held around {$13000.00} of my funds since XX/XX/XXXX, due to suspicions of fraud from two checks deposited on behalf of my parents endorsed to me.

-After much back and forth, Chase suspected fraud due to a name mismatch and requested verification from my parents that they gave me the checks. 
-My parents had already self-deported, that is why they asked me to deposit the checks, so phone verification was impossible since they required a call to a US registered phone number under their names.

-I added a line for Chase to talk to my parents, but they refused to call since the number was not registered in their database. 
-A supervisor asked me if I have any legal rights over my parents. I let them know I have a power of attorney letter and guardianship rights to my sibling. 
-They told me to submit the power of attorney, and that would solve the problem. On XX/XX/XXXXXXXX XXXX XXXX, I submitted a Power of Attorney signed by my parents and a U.S. lawyer, per Chases instructions. 
-It has been several months without resolution. My branch is refusing to help me since they already submitted the Power of attorney, but the Fraud department is still refusing to release the funds as their Legal department didn't review the documents..

-There is no communication from the Legal department with the Branch or Fraud team, therefore all departments are refusing to help me and pointing fingers internally on who needs to approve this. 
-The complex team already approved my power of attorney letter, but Chase is still refusing to release my funds and re-open my account. Last communication being XX/XX/XXXX, when the Branch told me there's nothing else they can do and they do not have a Legal team contact. The Fraud team is saying the Branch has not submitted my documents to the Legal team and that is all they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: DISCOVER BANK
State: AZ

Complaint narrative:
Dear Representative, I am writing to formally dispute the accuracy and legality of a charge-off reported on my credit file. The details of the account are as follows : Creditor Name : XXXX XXXX  Date Opened : XX/XX/XXXX Date of Reported Charge-Off : XX/XX/XXXX This reporting is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) for the following reasons : The creditor has failed to comply with federal requirements by not issuing a Form 1099-C for cancellation of debt, as would be expected if the account was truly charged-off and considered canceled. The continued reporting of this account as charged-off without proper debt cancellation documentation constitutes incomplete and misleading reporting, prohibited under 1681s-2 of the FCRA. The absence of a 1099-C calls into question whether this account is validly charged-off, thereby rendering the current status unverifiable. Under the FCRA, you are required to ensure the accuracy, completeness, and verifiability of information in my credit report. I am requesting that you conduct a full investigation into this matter and provide me with the original documentation from the creditor that substantiates both the validity of the charge-off and the issuance of a XXXX. If the account can not be fully verified with appropriate documentation, I am requesting that the charge-off be removed from my credit report immediately in accordance with the FCRA. I have enclosed copies of my identification and proof of address for verification purposes. Please respond with your investigation results within the 30-day time frame allowed under federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have disputed the debt with Discover Bank on at least 2 occasions ( in XXXX and XXXX I believe ) and have still been hounded consistently, almost daily, by phone and voicemail to contact them. I filed disputes with all 3 credit bureaus. I also had 3 other cards opened according to my credit report all of which have since been removed. Except this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
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, Date Opened : XX/XX/XXXX, Balance : {$460.00} 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX, and I have been a loyal Wells Fargo customer since XXXX. I am writing to request urgent assistance regarding overdraft fees and delayed refunds that are causing severe financial hardship. 
On XX/XX/XXXX, my checking account became overdrawn due to an automated XXXX payment of {$340.00}. After calling XXXX, they were able to give me a refund which was expected to show on my account on XX/XX/XXXX, but has not yet been posted. 
I contacted Wells Fargo immediately to request a pause on overdraft fees until the refund was posted. No fees were charged until XX/XX/XXXX, but since then have been charged four overdraft fees. Additionally, I was charged {$89.00} for my Wells Fargo Active Cash Card, and to avoid more fees I called Wells Fargo and requested a refund for the automatic payment that was taken. The banker informed me that the refund was successfully processed ; however, it also has not been reflected in my account. As of today, XX/XX/XXXX, my account balance is $ XXXX, largely due to these fees being charged despite my pending refund. I will not receive my next paycheck until XX/XX/XXXX, meaning that additional fees will most likely be acquired by that day. Once my paycheck posts, most or all of it will be taken to cover fees, leaving me unable to cover the cost of my living expenses and my college tuition. These combined issues are even more stressful because I am in the process of transferring to a university and need to make upcoming payments and these fees are directly threatening my ability to pay for my education. 
After calling Wells Fargo, they have also refused to reverse the overdraft fees, stating that I already received my " one refund every 12 months, '' even though both situations were caused by situations out of my control. I believe these practices are unfair and predatory toward long-term and low-income customers. At this point, I am seriously considering closing my account and taking my business to a bank that does not take advantage of its customers. This is not a decision I take lightly as I have been a Wells Fargo customer for over a decade.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
I opened an arbitration claim with XXXX. My claim was accepted and this company has continuously failed to meet initial deadlines. The assigned arbitartor has been removed from this case and it has been placed on hold due to noncompliance from this company. I am in arbitration due to misleading and incomplete information reporting on my PERSONAL AND BUSINESS CREDIT REPORT for over 2 years hindering my applications for credit for personal and business transactions. I have submitted proof to this company and they continue to be neglient as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been honored, and these inquiries remain. This failure to act is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I have been attempting to address the inaccuracies on my credit report for several months without resolution. This complaint is legitimate and not submitted in error. The ongoing presence of these errors continues to create significant burdens and negatively impacts my life. Correcting or removing these inaccuracies is essential and would provide much-needed relief.

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 2025-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
What Happened : PayPals CFPB response contains inaccurate and misleading information. They claimed my last payment was before XXXX XXXX XXXX, and that collections were paused starting that date. This is false I made documented payments on and after XXXX XXXX XXXX which I will attach as evidence. 

Despite my repeated written requests for documented repayment, hardship, or settlement options, PayPal has only referred me to call their collections department. I have made it clear that I will not agree to any verbal arrangements, as they do not protect me under the FCRA or FDCPA. 

PayPal has ignored these requests and replaced my payment history with incomplete or incorrect records in their CFPB response, which misrepresents my account status and embarrasses me by implying nonpayment. My accounts remain in active dispute, yet PayPal has not provided the written solutions or protections I have asked for, and continues to risk damaging my credit during this unresolved situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute & Debt Validation Demand XXXX XXXX XXXX XXXX C {$790.00} To Whom It May Concern, I am disputing the reporting of a collection account by XXXX XXXX XXXX XXXX XXXX in the amount of {$790.00} on my Experian and Equifax credit reports. This debt is not mine and is being reported by a company that is not licensed with the NMLS to collect in the State of Ohio, making this collection activity unlawful. 

Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer laws, your continued reporting of this account is a violation of : 15 U.S.C. 1692c ( c ) Cease communication requirement when a debt is disputed.

15 U.S.C. 1692g Obligation to provide written debt validation within 30 days of dispute.

31 U.S.C. 5118 Prohibits enforcement of certain obligations inconsistent with U.S. law.

15 U.S.C. 1681o Civil liability for negligent noncompliance.

Regulation F ( 12 CFR Part 1006 ) Prohibits deceptive or misleading debt collection practices.

12 CFR 1026.13 & 15 U.S.C. 1666b Billing error resolution and prompt crediting of payments.

Debt Validation Demand : Pursuant to 15 U.S.C. 1692g and Regulation F, I demand the following documentation : A complete Assignment Contract showing the legal right of XXXX XXXX XXXX XXXX C to collect this alleged debt. 
The Forward Flow Agreement establishing their role in handling this alleged account. 
Proof that they are licensed to collect debts in Ohio, including NMLS registration.

If these documents can not be produced, you are required to immediately delete this account from my credit file under 15 U.S.C. 1681i.

Failure to comply will result in formal complaints filed with the CFPB, FTC, State Attorney General of Ohio, and legal action for damages under 15 U.S.C. 1681n & 1681o and 15 U.S.C. 1692k.

I demand the immediate and permanent deletion of this account from my Experian and Equifax credit reports. 

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 2025-08-15 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, XXXX  the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

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