vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I originally created an Experian account using a phone number and email address that I no longer have access to. Because of this, when I try to log in, I am unable to complete the identity verification process, which requires confirming via the outdated phone or email. I have called XXXX customer service multiple times seeking help to update my contact information and regain access to my account. Unfortunately, each time I call, I am directed to an automated system with no option to speak to a live representative. This has left me unable to verify my identity or make the necessary updates. As a result, I can not access my credit report or monitor my credit, which is causing significant stress and concern for my financial security.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a victim of someone scamming me for a total amount of {$9900.00}. This was done over the phone the person who called knew my bank account number, my card number, my latest transactions, my billing address, my name, and etc. This person claimed to be Wells Fargo security and said that there were fraudulent charges on my account and to verify the information they already had. I thought it was legitimate because I dont know how else they had my latest transactions my account number or my card number and knew the exact amount I had in my checkings account. When I verified that I didnt make the purchases that they were claiming and verified that it was me they wiped {$9900.00} off of my account. This was almost my entire savings. From here I immediately called my bank within minutes of it happening to stop the charge but unfortunately they said all they could do was submit a claim. I did the claim and the charge was still pending for 5 days and I called the bank everyday to get updated. They said they could not investigate my case until the charge was posted and out of my account. The transaction finally got posted yesterday and I kept up with my bank just to see my claim was immediately denied even though I did not approve of the transaction. I tried to appeal the claim but my bank is not giving me much hope. I reported it to the police as well and gave Wells Fargo the police report number which is XXXX. With all this information plus proof of the call they did not dispute the charge and completely dismissed my case. Im trying to do all I can to retrieve my funds and I came across you guys through research and found you guys could help me. Please help me this was my life savings that was gone in a instant.

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 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX, IL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX OF XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX OF 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 : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-12 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I missed a payment and was charged a late fee because automatic payments were turned off without my input. I've always had automatic payments set up ; I carried a high balance on this account for years and watched painfully large payments go out of my account every month, so I know this for a fact to be true. 

When I called Chase, they refunded the late fee " as a one-time courtesy, '' but denied that I had ever had automatic payments on this account ; I do not consider that a courtesy when it's their fault that the payment wasn't made and they flat-out lie about it ; that is fraud. 

I believe that they are engaging in a deliberate and systemic attempt to force customers to incur late fees, on the assumption that no one will call them on it. I've grown accustomed to the banks ' dirty tricks, but this is the first time they've tried to gaslight me with a bald-faced lie. 

I'm sure that I'm not the only person they've tried this with and can calculate that they've already cheated their customers out of millions with this scam alone ; I suspect they are emboldened by the recent weakening of the CFPB, so I can only hope the agency still has the resources to investigate and hold Chase accountable, and restore improper fees to their customers. 

Any member of the public who reads this should consider it a warning that they must exercise increased vigilance over their banks ' practices, as it's an indication that they may be exploiting a weakened regulatory system in order to escalate the predatory practices of their business model to a new level of egregiousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: VA

Complaint narrative:
I am writing to formally dispute the validity of an account that appears on my credit report. The account in question is listed as follows : Creditor : XXXX XXXX Account Number : XXXX I am the victim of identity theft and did not open this account, nor have I ever had any dealings with XXXX XXXX. This account is fraudulent and must be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and removed from my credit file. Please find enclosed a copy of my government-issued identification, a utility bill for address verification, and a completed FTC Identity Theft Report. 

Failure to take prompt action to remove this fraudulent item from my report may result in me pursuing further legal remedies to protect my rights under federal law. 

Please confirm in writing that this account has been removed, or provide me with the results of your investigation within 30 days, as required by 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 2025-06-12 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: VA

Complaint narrative:
I am writing to formally dispute the validity of an account that appears on my credit report. The account in question is listed as follows : Creditor : XXXX XXXX Account Number : XXXX I am the victim of identity theft and did not open this account, nor have I ever had any dealings with XXXX XXXX. This account is fraudulent and must be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and removed from my credit file. Please find enclosed a copy of my government-issued identification, a utility bill for address verification, and a completed FTC Identity Theft Report. 

Failure to take prompt action to remove this fraudulent item from my report may result in me pursuing further legal remedies to protect my rights under federal law. 

Please confirm in writing that this account has been removed, or provide me with the results of your investigation within 30 days, as required by 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 2025-06-12 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: National Commercial Services, Inc
State: IL

Complaint narrative:
Dear XXXX XXXX, It has come to my attention that you have labeled a corporate agreementthe XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. This is a false and misleading characterization. 
As the attached letter outlines, I never signed a personal guaranty, nor does the agreement impose any personal obligation on me. This is strictly a corporate debt of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
I am demanding the immediate removal of this debt from my personal credit file and written confirmation within 10 business days. Continued misreporting after notice may expose your office to legal and regulatory action. - Also labeling it as a loan when it clearly is a receivable purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Ingenuity RM, LLC
State: MN

Complaint narrative:
INGENUITY RM , LLC had a Sheriff 's deputy call me to say that he had paperwork from the company to serve us with but couldn't make the time to do so and about a week later on XX/XX/year>, Mother 's Day, they sent another Sheriff 's deputy to our home with court papers that didn't have a file number on them. I called the court to ask for the number and was told that no such number existed and to call the lawyer listed on the paperwork I received to get it in order to be able to file an answer to the claim made by INGENUITY RM , LLC. I did so and was transferred from the lawyer 's office to INGENUITY RM , LLC and was told by the woman I spoke with that I was only to call that number to set up a payment plan with them and nothing more and that there was no filing number. She also told me that those papers that were sent to us were so INGENUITY RM , LLC could move for judgment against us as a final step. I asked her how could they move for judgment against us if we couldn't file an answer to their claims first? She then said that they sent verification of the debt to us and I told her that we had also disputed said debt with them. The only thing she was worried about was trying to get money from us that we do not owe. I contacted legal services who then informed me that INGENUITY RM , LLC no longer has a license to operate or act as a debt buyer/ collection agency in the state of Minnesota XXXX though they are still claiming to be licensed on the letters they send out to people. I have already filed a complaint with the Minnesota Department XXXX XXXX about INGENUITY RM , LLC. This company and their dirty tasks needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: VA

Complaint narrative:
When I reached out to the XXXX student loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the 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 2025-06-12 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: VA

Complaint narrative:
When I reached out to the XXXX student loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: VA

Complaint narrative:
When I reached out to the XXXX student loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the 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 2025-06-12 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: NY

Complaint narrative:
The deletion or suppression of accounts related to data breaches and unauthorized inquiries aligns with FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which governs the blocking of information resulting from fraud. FCRA Section 604 [ 15 U.S.C. 1681b ], outlining permissible purposes for accessing consumer reports, also applies.

I am formally disputing the accounts, personal information, and inquiries listed below, as they appear to stem from fraudulent activity or data breaches. I demand concrete, verifiable evidence bearing my physical or electronic signature. This communication is a personal and direct request requiring your thorough review.

Any reporting actions taken without my explicit consent violate my rights under the FCRA, specifically Section 605B and Section 604. I have contacted the companies involved and confirmed that these entries were made without proper validation or original supporting documentation. This failure to comply highlights the urgency of resolving the matter in line with federal law. 

Personal Information Being Disputed : Incorrect Name : XXXX XXXX Employer : XXXX  Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Accounts Being Disputed : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Being Disputed : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect a prompt written response confirming the actions you will take to correct or delete this inaccurate information. Failure to respond within the legally allowed timeframe will result in further action, including legal recourse under the FCRA. 

Please address this matter urgently and contact me at the address listed on file if additional information is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled.

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 2025-06-12 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: TX

Complaint narrative:
I PROVIDED THE COMPANIES AND FTC REPORT AND CREDIT LETTER STATING ALL OF THE LAWS THEY WERE BREAKING BY REPORTING THE INCORRECT INFORMATION.

Company response to consumer: Closed with non-monetary relief