vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7500.00}

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
Recently found a debt collection from TEKS on my credit report showing a debt of {$500.00} from XXXX XXXX XXXX dated XX/XX/XXXX Never received any written, phone calls or any other notice of said debt. XXXX XXXX XXXX Confirmed that I did not have any debt. Tried to make contact through their website via their email section on XX/XX/XXXX and have received no information, trying the phone number on website will not allow me to speak with anyone. I have been provided no information, not even a notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 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: CO

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I earned approximately {$250.00} through a MoneyLion-partnered rewards app that requires a XXXX account to cash out. ( I have screenshots of all the dates etc ) I entered all my personal information correctly, but was told I failed identity verification. Customer support said the system is fully automated and there is no option for manual review or appeal. 

This means Im being denied access to money I rightfully earned, with no recourse. Im requesting a manual review of my identity verification or another way to receive the funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

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 2025-07-29 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: MI

Complaint narrative:
I have previously disputed 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Unfortunately, the last response provided by the bank is inadequate and inaccurate. They stated that the XXXX time frame for a charge back has elapsed but in this individual case I was not able to provide the correct documentation before XX/XX/year> because I was given wrong information by Chase Bank. If I was provided with the correct and accurate information during the claims process than the responsibility would have been mine to provide the required documentation. Since this did not occur, I can not and should not be held responsible. I need to be rightfully granted the {$550.00} that I am entitled to in my claim. It is not ethical, professional or legal for Chase bank to make multiple crucial mistakes during this process and than later refuse to abide by federal banking law. Not only is this process unnecessarily time consuming, it was completely avoidable. I reject the notion that the banks unprofessional business conduct should result in me not getting my money bank for a rightfully submitted claim. I followed all the instructions given to me during this process. Again, the onus is on the bank to following federal banking law, not mine. I filed my original claim with the bank on XX/XX/year> which is before the deadline for a XXXX  charge back. I have also provided all of the documentation required to successfully process my claim. I need the bank to cooperate and finally do the right thing. I am also very disappointed with the bank deciding to close my checking account for no good reason. I have had my balance low due to lack of employment which I have communicated to them. I am attempting to work this out but they are refusing to act in good faith. I will mention that in the past I have had low funds and Chase did not close my checking account. This leads to me believe that Chase Bank has closed my checking account ending in XXXX as retaliatory action for filing complaints against them with the CFPB. This is another example and further evidence of Chase Bank violating federal banking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am an XXXX XXXX XXXX servicemember XXXX overseas. I applied for a Wells Fargo credit card and provided valid XXXX and XXXX orders. Despite this, my application was denied because I do not have a traditional U.S. residential address in my name, even though I submitted my military documents. This violates my rights under the Servicemembers Civil Relief Act ( SCRA ). 

I previously filed a CFPB complaint on XX/XX/year>, but I am now escalating the issue further as Wells Fargo has denied my application without proper justification. I have reached out to multiple internal Wells Fargo contacts, including their SCRA mailbox, with no resolution. 

I am attaching proof of my orders, my XXXX  ( front ), and the communications I sent to Wells Fargo. 

This denial is not due to my credit ( my FICO scores are XXXX and XXXX ) but purely because of their failure to accommodate XXXX servicemember documentation

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I had four accounts with XXXX XXXX Bank through different retail stores that were charged off in XX/XX/XXXX. I had cards through XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX XXXX  sold my accounts to XXXX XXXX XXXX which are not accredited by the XXXX, and I didn't receive notice until XX/XX/XXXX. Since my job was furloughed because of Covid-19 I was unable to pay at the time when they closed my account which had negative impact on my credit report. On XX/XX/XXXX, I made payments to each account through XXXX  paying {$590.00} for XXXX XXXX XXXX, {$500.00} for XXXX XXXX, XXXX for XXXX  XXXX and XXXX XXXX XXXX XXXX for a totaling of {$2000.00}. After paying off the balance for these accounts XXXX was supposed to report to the credit agencies as paid which is stated on the receipt. I waited a whole year to see change on my credit but did not see a difference and there were no updates made to these accounts. On XX/XX/XXXX I disputed the information through Experian and five days they completed their investigation saying the information they have is accurate but the status for each account hasn't been updated since XX/XX/XXXX and there were no changes that were made even with the proper documentation. After two years of disputing, I called Experian on XX/XX/XXXX to do a long investigation on these accounts because they are still reporting inaccurate and the status hasn't been updated as being paid. On XX/XX/XXXX they sent notice saying they completed their thorough investigation and that they made updates. I look at the updates and there were no changes made to neither one of these accounts. As of today, the accounts remain the same and the information is still not accurate.

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 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
My social security number and identity was confirmed as leaked by XXXX XXXX XXXX and had taken proper steps to secure myself but on XX/XX/XXXX I woke up to an alert of a new account with AIDVANTAGE/DEPT OF ED on my credit for student loans, it was Sunday I couldnt call, called the following day and got ahold of someone and I explained to them what I saw they said someone used my social security number to open student loans and get federal assistance at XXXX University , in XXXX  saying they are in school status. I explained it was not me, she basically said ok Ill start the process and send you some forms, sent them to my home in XXXX, and I hadnt seen anything for about a week so I called to check, that person gave me a link to download a form to fill out and send in, so I immediately filled it out and gathered supporting documents and faxed it all in, I did eventually get the packet mailed to me. I called after receiving the packet and they recommended I wait until correspondence came through for what I had already sent in. Fast forward another week they sent me a letter explaining they needed XXXX signatures and a copy of either my diploma or transcript of high school since Ive never been to college and still have not. I sent in XXXX notarized forms explaining that I am who I am, like an identity affidavit which I had to undergo a quick ID verification to get notarized. With that I sent a copy of my diploma as I didnt have my transcript yet, or the police report. On XX/XX/XXXX I received my transcripts from high school and XX/XX/XXXX a copy of the police report I made in XXXX. And I immediately sent them to the same fax number they provided, I hadnt heard anything since, until I called AIDVANTAGE last night XX/XX/XXXX and they told me there was a new update as of that day, saying they closed the investigation unable to determine any identity theft happened, or fraud. Which is funny because the documents I can see on XXXX XXXX ( which I had to recover with someone from XXXX helpline and verify my identity as well ) those documents had an address of XXXX, again a state Ive never been associated with, and never even visited. So the kind agent with AIDVANTAGE I spoke with created me a ticket to have the fraud department actually call me ( which they havent this whole time just the correspondence via us mail ) on my correct and actual number to reopen their investigation. I have reached out to XXXX  university as well with very little help from them, Ive left messages and emails for the president and vice president. Im just trying to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-07-29 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: CA

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 : DEPTEDXXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} DEPTEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} DEPTEDXXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} DEPTEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} DEPTEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

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 explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Payment History Violation of FCRA & Consumer Credit Laws Dear Experian XXXX  Department, I am formally disputing the accuracy of the reported late payments on my auto loan with XXXX Bank, account number XXXX, appearing on my Experian credit report. The payment history for XXXX and XXXX contains multiple inaccurate and unverifiable late payment entries, which violate the Fair Credit Reporting Act ( 15 USC 1681i ) and the Fair Credit Billing Act ( 15 USC 1666b ).

Specifically : 1. The report contains rolling 30/60-day late marks that appear to be repeated without clear cause or continuity, suggesting false delinquencies. 
XXXX. There is missing payment data for XX/XX/XXXX, creating a gap that violates the FCRAs requirement for completeness and accuracy. 
XXXX. The Recent Payment field is blank, even though this is an open and active loan indicating incomplete recordkeeping. 
These errors are materially damaging to my credit profile. Under 15 USC 1681i, you are required to conduct a full reinvestigation and remove any information that can not be verified within 4 business days of receipt of this letter.

I am demanding the immediate permanent deletion of the reported late payments from this account. If the information can not be verified with full documentation, including original account statements, payment records, and late notices from the creditor, then it must be deleted under federal law.

Failure to correct this inaccurate information will result in consideration of legal action for dama
ges under 15 USC 1681n and 1681o.

Please mail me an updated copy of my credit report upon completion of your reinvestigation. 

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