vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account name : XXXX XXXX XXXX Account number : XXXX Opened : XX/XX/XXXX Balance : {$25000.00} Account name : DEPT OF EDUCATION/XXXX  Account number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account name : DEPT OF EDUCATION/XXXX  Account number : XXXX Opened : XX/XX/XXXXXXXX  Balance : {$0.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-10 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: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$62.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I identified a fraudulent withdrawal of {$1000.00} from my Wells Fargo checking account via a teller withdrawal. I called Wells Fargo at XXXXXXXX XXXX. XXXX to report the fraudulent transaction. The representative I spoke with stated that they had opened a fraud claim and flagged the account to notify their tellers to not allow any further withdrawals. The representative stated that they could not provide me with a copy of the withdrawal slip or check used to make the withdrawal, as it had just been done earlier that day. Around XXXXXXXX XXXX on XXXX I visited my local branch to inquire about any information they could provide about the withdrawal. During my visit they were able to provide me with a copy of the manual withdrawal slip which showed my account number, but the name on the withdrawal slip was written as XXXX XXXX XXXX. I have no relation to this individual and the only other name connected to my checking account is my spouse. Additionally, the staff at my branch were able to tell me that the transaction occurred in Texas. I reside in Arizona. I called Wells Fargo again on XXXX to inquire about the status of the fraud claim, as the funds had not been credited back to me and I had to received an update. During this call I was informed that no fraud claim had never been submitted despite my call on XXXX where I stated that there was a fraudulent withdrawal. The representative I spoke with on XXXX immediately started the fraud claim and submitted a request to expedite the claim, however they stated that they did not have the power to credit my account. A complaint about the delayed fraud claim was generated and submitted to the Wells Fargo XXXX XXXX XXXX XXXX. I called the Wells Fargo claims team on XXXX and requested my account be credited back the {$1000.00} fraudulently withdrawn from my account during their investigation into how the fraud occurred, but was told that because the withdrawal was made at a teller they were unable to process this request even with the copy of the withdrawal slip with another person 's name on the withdrawal slip.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I was a victim of XXXX and i have some accouts listed on my credit report due to XXXX  and idenity theft. XXXX {$1500.00} and XXXX {$1000.00} AND XXXX XXXX XXXX {$1000.00} I ALSO HAVE 2 MISSED PAYMENT ON MY XXXX XXXX XXXX  WHICH WAS DUE TO XXXX  AND ALSO SOME INQUIRES WHICH IS LISTED ON MY FTC REPORT AS WELL. CAN YOU PLEASE LOOK INTO THIS MATTER FOR ME AND REMOVE FROM MY CRDIT REPORT DUE TOO 605 C FSAIR CREDIT REPORTING ACT

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 2025-07-10 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:
The accounts listed are fraudulent and unfamiliar to me. I request their deletion within 15 days under USC 1681g. Ive attached documentation to support this dispute.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am disputing a hard inquiry made by Synchrony Bank ( SYNCB ) that appears on my XXXX  credit report dated XX/XX/XXXX. 

I did not apply for credit or authorize any application with Synchrony Bank around that time. 

I previously filed a complaint regarding a separate inquiry from SYNCB/Amazon dated XX/XX/XXXX, which was resolved in my favor. 

However, this is a different inquiry ( XX/XX/XXXXXXXX  ) with no relation to XXXX. I am requesting that Synchrony provide full documentation proving I authorized this specific inquiry such as a signed application, IP address, or identifying details. 

If they can not verify my authorization, I request that this inquiry be immediately removed from all credit bureaus.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-10 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXXMy father created a credit account through CHASE banking to establish a line of credit for myself at an early age. I was listed as the primary on the account, but my dad was the sole possessor of the physical card and all account activity prior to XX/XX/XXXX. My father created the account, always paid the bill from his own account ( XXXX ), and had the physical mail correspondence sent to his address even though I was the primary on the account. 

XX/XX/XXXX, XXXX father passed due to XXXX XXXX XXXXXXXX XXXX. 

XX/XX/XXXX - A balance of {$34.00} was outstanding on the card, but not to my knowledge because the mail correspondence was going to his home address, not mine. 

XX/XX/XXXX - The balance remained unpaid and CHASE reported a late payment to the credit bureau for being 30 days past due. 

XX/XX/XXXX - I was contacted by CHASE customer service representative to settle the outstanding balance on the account. 

XX/XX/XXXX - I explained the extenuating circumstances to CHASE fraud department, credit department, and customer service to no avail. CHASE refused to consider the late payment in error and did not wish to dispute or remove the late payment. 

The only documentation that I can provide is account statements and my father 's personal death certificate if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs Bank USA, issuer of my Apple Card, has repeatedly failed to resolve a fraudulent {$4000.00} charge made by XXXX on XX/XX/XXXX. This charge occurred months after I left the company that had previously used that XXXX account ( XXXX XXXX ). I was not authorized to make or approve any transactions after I left the company on XX/XX/XXXX, and I did not receive ANY services related to this charge. 

The same dispute has been opened, closed, and reopened at least eight times. Each time, it is closed without a meaningful review of my evidence or an opportunity to submit rebuttal information. The following is a timeline of the dispute case numbers : 1. XXXX Opened XX/XX/XXXX | Closed XX/XX/XXXX 2. XXXX Opened XX/XX/XXXX | Closed XX/XX/XXXX 3. XXXX Opened XX/XX/XXXX | Closed XX/XX/XXXX 4. XXXX Opened XX/XX/XXXX | Closed XX/XX/XXXX 5. XXXX Opened XX/XX/XXXX | Closed XX/XX/XXXX 6. XXXX Opened XX/XX/XXXX | Closed XX/XX/XXXX 7. XXXX Opened XX/XX/XXXX | Closed XX/XX/XXXX 8. XXXX Opened XX/XX/XXXX | Still Pending Across these disputes : I was never given an opportunity to rebut XXXX claims. 
I never received the follow-up emails Goldman Sachs promised with links to submit supporting documents. 
I submitted rebuttals ( e.g., on XX/XX/XXXX ) but never got confirmation they were received. 
I repeatedly told Apple Card agents via chat that I had additional information, but I was either disconnected, transferred, or ignored. 
Goldman Sachs ' decision letters only repeat a vague message : There is no evidence to substantiate the claim. 

Ive made it clear from the beginning : I did not authorize this charge. 
I did not have access to the XXXX account at the time of the charge ( XXXX required a PIN I did not possess ). 
This is my personal card, and no employer or business has reimbursed me. 
I have emails with the new company owners confirming they received the benefit and are willing to work with XXXXbut Goldman Sachs refuses to receive or review this. 

I also have a hearing impairment, which makes phone calls difficult. I rely on Apple Cards chat feature, which has been deeply frustrating. Support agents routinely : Disconnect or end chats mid-conversation, Transfer me without context or follow-up, Fail to record that I have additional evidence to submit, Give me no mailing address, fax number, or secure upload portal to submit rebuttals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
There are unauthorized inquiries 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 explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
There are negativities on my account, which I have been paying on some of my accounts and I was affected by the XXXX and lost my job. Im XXXX wasnt able to pay off some of my credit debt. Dont understand why they continue charging me interest on some of my accounts when this has been written off and its still giving me a higher balance on my account when it when it shouldve stopped charging me interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Upon reviewing my consumer reports I discovered some instances of late payment on an account for which I have always maintenaned timely payments. consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed the payment on the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time as I have consistently upheld my payment obligations without delay. I'm trying to get fix my score better position, to get next steps for the mortgages and loans.

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