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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
recently i did investigation on my credit report and found items there to be inaccurate under 15 us code 168 accuracy of report whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accurasy of the information concerning the individual about whom the report relates

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
recently i did investigation on my credit report and found items there to be inaccurate under 15 us code 168 accuracy of report whenever consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accurasy of the information concerning the individual about whom the report relates

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 2025-08-12 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: GA

Complaint narrative:
I was reviewing my credit report and I noticed some unauthorized inquiries on my credit report.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within 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: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint because TD Bank ( TD Retail Card Services ) continues to report a charged-off account on my credit file, despite having issued IRS Form 1099-C for the cancellation of this debt in 2024. This cancellation is also documented in my official IRS Wage and Income Transcript, confirming that TD Bank discharged the debt and reported the canceled amount to the IRS as income. 

Despite this, the account is still being reported to the credit bureaus with a balance, charge-off status, and derogatory payment history. This is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ), IRS regulations, and XXXX XXXX credit reporting standards. 

I previously submitted disputes to Experian, Equifax, and TransUnion with supporting documents, including the 1099-C and IRS transcript . The CRAs stated the information was verified, but it remains materially false based on the evidence. TD Bank, as the furnisher of the data, is responsible for correcting or deleting inaccurate information once the debt has been canceled. 

I am now escalating this issue to the CFPB because TD Bank is furnishing data that contradicts official IRS filings and is failing to fulfill its obligations under FCRA 1681s-2 ( a ) and 1681s-2 ( b ). This continued inaccurate reporting is harming my credit profile and financial opportunities.

I respectfully request the CFPB to review this matter and require TD Bank to immediately delete or update the account to reflect a {$0.00} balance and non-derogatory status in accordance with federal law and tax reporting obligations.

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 — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my severe dissatisfaction regarding an ongoing issue with a deposited check and the subsequent restriction of my company 's ( XXXX XXXX XXXX - XXXX ) Chase Bank account. 

On XX/XX/year>, XXXX XXXX XXXX deposited an XXXX check totaling {$57000.00} into our Chase Bank account. Despite XXXX having already released these funds, Chase Bank has placed a hold on the deposit. Chase Bank 's fraud department has stated they can not verify the check by calling the general XXXX customer service number they found online, which is understandable given the nature of general inquiry lines. 

I have proactively obtained a direct verification phone number from XXXX ( XXXX ) specifically for Chase Bank to use. However, Chase 's fraud department has refused to call this number, citing an inability to confirm its origin from XXXX. I also visited the Chase Bank branch at XXXX XXXX XXXX, XXXX XXXX, to provide email proof from XXXX, but was informed that the branch could not intervene as the matter is handled by the fraud department. My repeated requests for the Chase fraud team to email XXXX 's Accounts Payable team have also been denied. 

The most concerning aspect of this situation is that my Chase bank account has been restricted since XX/XX/year>. This restriction has severely impacted our operations, preventing us from running payroll and covering daily business expenses. 

Furthermore, on XX/XX/year>, I was informed by the Chase fraud team that a check for the remaining balance of my business account ( excluding the XXXX deposit ) would be mailed by XX/XX/year>. This check has not been received. Upon calling the fraud team again today, XX/XX/year>, I was told the check would be mailed out today and would take XXXX business days to arrive. This delay is unacceptable and has created significant financial distress for my company. 

I believe Chase Bank should acknowledge the difficulty in verifying checks through general customer service numbers and take further steps to resolve this, such as utilizing the direct contact number provided by XXXX or attempting to email XXXXXXXX XXXX AP team. I feel that XXXX XXXX XXXX has not been treated fairly or with respect throughout this process. 

I look forward to your prompt response and a swift resolution to this matter.

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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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: TX

Complaint narrative:
I am filing this complaint against EXPERIAN for willfully and negligently violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and U.S. federal law by continuing to report inaccurate and unverified information on my credit file. Under 15 U.S.C. 1681e ( b ), EXPERIAN is obligated to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Additionally, under 15 U.S.C. 1681i ( a ), EXPERIAN is required to conduct a reasonable reinvestigation when a consumer disputes information. These obligations have not been met, and EXPERIANs ongoing reporting constitutes both negligent and willful noncompliance. 

The accounts in question are : XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX This account has been closed for some time, yet EXPERIAN continues to report the current status as Late XXXX XXXX XXXX XXXX XXXX XXXX This is patently inaccurate for a closed account and violates 15 U.S.C. 1681e ( b ). The account must be updated to Paid as Agreed or deleted entirely for inaccurate reporting. 

XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Balance : - {$190.00} This debt resulted from fraudulent charges. Under the XXXX XXXX XXXX XXXX and 15 U.S.C. 1681c-2 ( a ), I am not liable for charges resulting from identity theft or fraud. EXPERIANs continued reporting of this negative balance is inaccurate, unverified, and violates both the FCRA and my rights under federal consumer protection laws. If EXPERIAN can not produce documented verification of the debt from the furnisher, it must be deleted immediately.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had XXXX withdrawn from my account I thought it was Wells Fargo I was speaking with well come to Find out it wasnt and I dispute it and the bank denied it I need help

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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for failing to validate an alleged debt within the first XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). XXXX continued to report this account to the credit bureaus without providing proper validation, which is a direct violation of federal law. 

I am filing a complaint against XXXX XXXX XXXX for failing to validate an alleged debt within the legally required timeframe, in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). On XX/XX/year>, I sent a certified mail request for debt validation, which XXXX received on XX/XX/year>. They failed to respond with proper validation before continuing to report the account to credit bureaus, violating FDCPA 809 ( b ) and FCRA 1681s-2 ( b ). I am. requesting the immediate deletion of the disputed account from all credit reports, written confirmation that it will not reappear, and cessation of all collection activity unless proper validation can be provided. Supporting evidence includes my certified mail request, USPS delivery confirmation, and current credit report showing the continued reporting of the disputed account.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The investigation did not fix an error on my credit report

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Hey I have been trying to to dispute and for deletion for the longer. I have already stated to both companys that this debt does not belong to me. My card got lost/stolen I reported it to them by phone due to I was locked out my account. They never reported it and kept it going. Somehow they saying I owe {$1000.00} which is strange because my limit was only {$500.00}. They have been threatening me saying they will sue me if I dont pay now, calling many times it really bother and harass me. Every time I try to communicate about the issue to the XXXX XXXX XXXX they keep hanging up on me saying to contact the Maidland. They are ruining my credit score it so frustrating. I did many disputes still not removed. They state that they send me a letter but I never gotten it.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: NC

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

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

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}

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have seen that incorrect accounts continue to appear on my credit report and have not been removed. For this reason, I request that you carefully review the attached documents so I can put this matter to rest once and for all.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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