vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-01 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:
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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year>, at around XXXXXXXX XXXX, I attempted to withdraw {$700.00} from a Chase ATM. During the same session, I withdrew {$20.00}, and only that {$20.00} was dispensed. The {$700.00} never came out of the machine, even though it was deducted from my account. 

I called Chase and filed a claim. I was given a temporary credit, and I also went to a local Chase branch, but they said they couldnt access the camera footage and that I needed to handle the issue by phone. 

I called again, was told the matter was under investigation, and eventually the {$700.00} credit became permanent. However, on XX/XX/year>, Chase reversed the claim, removed {$700.00} from my account, and now my account is overdrawn by over {$600.00}. 

I was not provided with any explanation, proof, or warning before this reversal. I am asking for the CFPB to assist in having Chase re-investigate this matter, provide evidence for the reversal, and restore the {$700.00} or a temporary credit while its being reviewed again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-08-01 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately XXXX and permanently remove a fraudulent account reported by XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/year> with a reported balance of {$1500.00} listed as an Auto Loan * *, which was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an Auto Loan opened at XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$1500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law XXXX result in further legal action to protect my consumer rights. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report.

These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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 2025-08-01 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 deposited {$220.00} into the Wells Fargo ATM located at XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX on XX/XX/year> at XXXX. The ATM stopped counting at {$200.00} and gave me an error stating the ATM was experiencing issues and to manually enter the amount that was deposited. I entered {$220.00}. The ATM printed a receipt stating I would be credited {$0.00} while the deposit was verified. The bank stated to allow 48 hours for the adjustment to be reflected on my account. Today XX/XX/year> my account was only credited {$0.00} as an ATM adjustment totaling a deposit amount of {$1.00}. I am missing {$220.00} from my deposit which have not been funded to my account. Now Wells Fargo is stating a claim has to he submitted and I need to allow 10 days for this to be reviewed. I deposited my cash into this ATM hoping it would be safe with the bank now my money is no where to be found.

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 2025-08-01 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I called XXXX to switch over to pre pay. The associate made those arrangements and basically said I was good to go. I did have a really hard time understanding them so, maybe I am just having a communication issue. If this debt is owed, I will send You a check on the XXXX of XXXX. I have to wait for my ss check to arrive. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Hi, Im writing to ask for your help in removing a few accounts that dont belong to me. I never opened them and wasnt made aware that they were added to my credit report. Based on USC 1681g, Im kindly asking that they be removed within 15 days. Ive attached the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Self Financial Inc.
State: NY

Complaint narrative:
I am filing this formal complaint regarding an inaccurate and derogatory account reporting from Self Financial/ Lead Bank that is appearing on my XXXX credit file. This account was charged off and reported in a manner that is inconsistent with federal consumer reporting standards and lacks proper validation and verification under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to FCRA 609 ( a ) ( 1 ), I requested complete validation of this account, including original signed application, full payment history, and evidence of chain of custody. To date, none of that has been provided.

Additionally, under FCRA 602 ( A ) and 607 ( b ), the data furnisher is required to ensure maximum possible accuracy. This account contains incorrect or unverifiable data and is negatively affecting my creditworthiness.

This furnisher has failed to comply with FCRA 611 ( a ) ( 5 ), which requires prompt correction or deletion of inaccurate information after reinvestigation. They did not respond to prior requests or cure the inaccuracy, yet continue to report a derogatory status.

The continued reporting of this account is unjust, inaccurate, and in violation of federal law. I am requesting an immediate deletion of this account from my credit report across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-08-01 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
My payment history stopped updating my qualifying payments in XX/XX/XXXX, preventing my approval of loan forgiveness. I made payments from XX/XX/XXXXXXXX XXXX XXXX XXXX I have now paid loans 12 months beyond what has been asked, yet I continue to have loans withdrawn from my account. The studentaid.gov website recommended that I open a reconsideration case ; the number is XXXX. I was told that a response would be given within 45 business days, but I've been waiting to have my loans forgiven since XXXX. I've called the loan provider, XXXX, for support. However, the phone number is automated and unable to update my payments. Its only response is to direct me back to the student Aid website. It feels like I'm in a loop without support. I am a veteran on XXXX, and the loan money that has been taken out of my account is a detriment to me and my dependents. 


Their Response is below : XX/XX/XXXX Thank you for contacting the XXXX Department of Educations ( ED ) Office of Federal Student Aid. 
We have received your inquiry regarding the Federal Direct Student Loan that is currently being serviced by XXXX. 
Your concern, as we understand it, is regarding your progress towards Public Student Loan Forgiveness discharge. 
As of XX/XX/XXXX, the PSLF program was successfully transitioned from the previous specialty servicer to be fully managed by ED on StudentAid.gov. 
Final review and determination from FSA are necessary to initiate a PSLF write-off of your loan. This final discharge approval is then sent to XXXX and will process through their system to complete the adjustments to the loan amounts. You will first receive a notice from ED that you have been approved for forgiveness followed by a separate notice from your servicer once the discharge is complete. 
Please be aware that your loans remain with your loan servicer, and payments should continue to be made through them. However, your loan servicer will not be able to answer any questions related to your PSLF form or payment counts. For more information, please visit StudentAid.gov/streamlining or call XXXXXXXX 
We hope this information is helpful and thank you for your feedback. 
Sincerely, Federal Student Aid

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: MT

Complaint narrative:
I received a letter from my county notifying me that a lien will be attached to my property on XX/XX/XXXX due to unpaid property taxes. Huntington bank had taken funds from my escrow account and disbursed them to the wrong parcel therefore resulting in the property taxes for my parcel not being paid. 

The amount of {$5000.00} - including {$280.00} in penalties and interest - needed to be paid before XX/XX/XXXX in order to avoid the tax lien. Upon receiving this notice, I called Huntington bank on Monday XX/XX/XXXX and spoke to a tax specialist who assured me their research team was looking into the issue and will have it resolved. I also asked for the claim to be escalated at this time. The specialist told me they would call me the next day with an update on the situation.

I also called my county treasurer on XX/XX/XXXX and they verified that property tax checks for the correct amount were sent to them on time but for a parcel that had already been paid. Therefore they mailed the checks back to where Huntington bank had sent them from. 

After not receiving an update from the bank, I called XXXX again on Tuesday XX/XX/XXXX, two hours prior to the banks closing time. I spoke with the same specialist, who did not have any updates for me, and assured me again that the issue would be taken care of. Their research team was still trying to contact my county treasurer for information on the situation. 

On Wednesday XX/XX/XXXX the same tax specialist called me 30 minutes before their closing time to tell me there was no update with the research team- they still did not have the information they needed to continue the case and pay my property taxes. How is it possible that I can get information from my county treasurer within an hour but my bank can not? 

I called the bank again on XX/XX/XXXX, 2 hours prior to their closing and this time asked for the supervisor/escalation team member. She notified me of all the same things : the research team ( who you cant talk to ) was still looking into the matter and have not gotten the information they need from my county somehow. So now it is XX/XX/XXXX, a lien has been attached to my property and my taxes have still not been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: SC

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 explanation