vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
b'We have researched the credit account. Account # XXXX XXXX  The results are:   WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *HISTORICAL ACCOUNT INFORMATION.   If you have additional questions about this item please contact:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date 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 Status Type of Account Type of Loan Whose Account 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 explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate personal information currently listed on my credit reports from your bureau. These inaccuracies include incorrect names, addresses, and employers that do not belong to me and must be deleted immediately under the Fair Credit Reporting Act ( FCRA ).

Credit Report Date : XX/XX/XXXXXXXX  Correct Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX, XXXX, TX XXXX Incorrect Names ( Please Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX name to retain : XXXX XXXX XXXX Incorrect Addresses ( Please Remove ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Returned Mail XXXX, XXXX, TX XXXX XXXX address to retain : XXXX XXXX, XXXX, TX XXXX XXXX ( Never Worked Please Remove All ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never worked for any of the employers listed above. Please permanently remove them from my credit report. 

Under the FCRA, you are required to investigate and correct inaccurate or unverifiable information. Please confirm in writing once these corrections have been made and provide updated copies of my credit report. 

Enclosed you will find a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Would you like me to generate this as a downloadable PDF, or would you like copies tailored for each credit bureau separately ( TransUnion, Experian, and Equifax )?

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 2025-06-05 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: CA

Complaint narrative:
XXXX XXXX XXXX, the servicer of my mortgage loan. I am requesting your assistance in addressing a serious issue concerning improper and harmful credit reporting that has resulted from my participation in a disaster-related forbearance plan. 

In XX/XX/year>, I was affected by the California wildfires, which were federally recognized as a natural disaster. Subsequently, I was approved for a mortgage forbearance plan by XXXX XXXX XXXX. I want to make it clear that I am extremely grateful for the forbearance offered during such a challenging and uncertain time. It provided essential relief, allowing me to focus on keeping my family safe and working on recovery. 

However, during the forbearance process, I was assured on multiple occasions by representatives of XXXX XXXX XXXX that the forbearance would not negatively affect my credit, as it was granted in response to a federally declared disaster. Regrettably, despite these assurances, my credit report now reflects derogatory marks related to the forbearance. This has led to a dramatic drop in my credit scorefrom XXXX to XXXX. 
My XXXX mortgage payment was inaccurately reported as 60 days past due, even though I made my XXXX payment on XX/XX/year>. 
I was approved for a three-month forbearance period from XX/XX/year> through XX/XX/year>, with payments resuming on XX/XX/year>. 

This substantial decline in my credit score has had a significant negative impact on my financial well-being. It has impaired my ability to access credit, secure housing, and obtain favorable interest rates. I do not believe this to be a mere clerical error but a result of miscommunication and a failure on the part of XXXX XXXX XXXX to fulfill its stated commitments. 

The damage caused by this incorrect reporting goes against the very purpose of offering disaster-related forbearance. A negative credit report in this context does not provide assistanceit undermines the financial stability of customers who are already facing hardship. I'm not sure if a complaint needs to be file with the State 's Attorney General 's Office but I'm looking into that as well.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX funds were taken and account was closed

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax/TransUnion is reporting a XXXX XXXXXXXX XXXX XXXX account issued by XXXX XXXX  that was charged off and included in bankruptcy. This account is being furnished without verification of identity or consent. I am submitting my FTC Identity Theft Report and passport ID under FCRA 1681c-2. This reporting is harmful and inaccurate, and violates FCRA 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ). The furnisher has not validated this data, and the item is now disputed under identity theft law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
I am filing a formal complaint against Experian for repeatedly violating the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate my credit disputes, continuing to report inaccurate, unverified, and unauthorized information, and potentially selling or misusing my personal data for monetary gain without consent. 

Despite submitting direct disputes, Experian has failed to verify or remove the following harmful entries from my report : Disputed Collection Accounts ( No Debt Validation Provided ) : XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} These debt collectors have never provided validation or proof of my liability per 15 U.S.C. 1692g and FCRA 1681b ( a ) ( 2 ). 

Charged-Off and Derogatory Accounts : XXXXXXXX XXXX XXXXXXXX {$1100.00} Charged Off XXXX XXXX {$590.00} Charged Off Multiple entries from XXXX XXXX XXXX These accounts appear outdated or duplicative, violating 1681c ( a ) ( 4 ) ( reporting limits ) and 1681e ( b ) ( data accuracy ). 

Unauthorized Hard Inquiries ( No Permissible Purpose ) : Experian is reporting a long list of hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more all within a short time span. 

I did not authorize these inquiries, which suggests possible identity theft and a violation of 1681b ( c ) and 1681c-1 ( b ).

Relief Requested : I respectfully request that the CFPB : Investigate Experians failure to comply with the FCRA and its obligation to investigate disputes. 

Ensure Experian removes all unverified and unauthorized accounts and inquiries immediately. 

Impose penalties for noncompliance and data misuse. 

Require Experian to verify consent and documentation before reporting any future derogatory 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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MS

Complaint narrative:
I had an checking/savings account with chime ( the online banking company ), I've been a customer since XXXX. Today, XX/XX/XXXX I received an email saying my account was closed. I contacted chime and was referred to XXXX XXXX ; I called XXXX as suggested they stated " we do not handle chime accounts ''. After hours of back and forth calling and emailing each company nothing was resolved. Finally, I was told by chime that XXXX closed my account because of my work deposits that I receive each week. They also said that I am not eligible for a refund of any sort. I've even offered to verify my deposit via check stubs and was told " that's not an option ''. They say the have the right to keep my money. They moved all of my money out of savings into checking and closed the account. They even held my paycheck from today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-05 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting Act. The list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX- {$260.00} XXXX XXXXXXXX - {$980.00} XXXX  XXXX - {$350.00} Dept Ed XXXX {$3000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  - {$960.00} XXXX XXXX - {$14000.00} 15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
In accordance with the Fair Credit reporting Act. The list of accounts below have violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX- {$260.00} XXXX XXXXXXXX - {$980.00} XXXX  XXXX - {$350.00} Dept Ed XXXX {$3000.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX  - {$960.00} XXXX XXXX - {$14000.00} 15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is reporting a XXXX XXXX XXXX credit card account with a charged-off balance of {$2400.00} that was included in bankruptcy. I am submitting my FTC Identity Theft Report and passport ID under FCRA 1681c-2. This account was reported during a period of identity misuse and without proper verification of my identity, consent, or authorization. The furnisher has failed to follow its legal obligations under FCRA 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ). This reporting is inaccurate, harmful, and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
Im writing to bring to your attention a fraudulent inquiry that has shown up on my credit report. I did not authorize or initiate this inquiry, and I have no knowledge of it whatsoever.

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 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, XXXX I received calls from a company claiming to be Receivables Outsourcing claiming that I owed money to XXXX XXXX hospital which was from a procedure were I donated to the XXXX XXXX XXXX XXXX. They asked for my social security number and insurance information and I gave it to them. I am worried that I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
i found out that my account was closed on XX/XX/year> at XXXX XXXX, so i called the company and they told me that there was a suspicious deposit into the account which the only deposit made was my paycheck on XX/XX/year> which has been the same deposit in the account for the last 3 years, but when i asked them well where is the money i had in the account they told me it was getting sent back to the receiver when i asked who that was they said they didnt have any more information for me and they hung up on me twice!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX from XXXXXXXX XXXX XXXXXXXX left me a voicemail to contact XXXX XXXX regarding case number XXXX at XXXX. When I called they said they needed to verify my social security number and date of birth. They told me the last 4 of my social and date of birth which were both correct. They stated they were trying to collect some amount over {$5000.00} for Bank of America and that they were going to garnish my wages. I told them I have never had any accounts with Bank of America and they hung up on me. When I tried to call back they continued to hang up on me. I am assuming this is some sort of scam but how did they know my SSN and DOB.

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 2025-06-05 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Before XX/XX/year> I had lost my Venmo debit card, I didnt noticed until XX/XX/XXXX, that I had lost it due to always using my virtual card from XXXX XXXX. Therefore I was going through my statement found all those charges in the amount of {$38.00} I also noticed another one from {$2.00}. From a place called XXXXXXXX XXXX XXXX I went ahead and disputed the {$38.00}. Going o e at a time, but when I received the denial from Venmo. I decided to just contact a different company like you, to hopefully give me the help I need. However I need all those unauthorized transactions from XX/XX/XXXX until now. I thank you so much in advance. Greatly appreciated! 
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
Consumer complaint received 2025-06-06 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: PA

Complaint narrative:
Multiple unauthorized companies have accessed my credit report, harming my credit score. Though the agency previously promised removal, these inquiries persist. I'm deeply concerned about possible fraud and the continued impact on my financial well-being.

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 2025-06-05 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: GA

Complaint narrative:
b'The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are:   WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED: *ADDITIONAL INFORMATION *CLOSED DATE *BALANCE *SCHEDULED PAYMENT *ACTIVITY DESIGNATOR *HISTORICAL ACCOUNT INFORMATION.   If you have additional questions about this item please contact:  XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX  Phone: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX : XXXX Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd    Activity Designator Creditor Classification XXXX XXXX XXXX  Monthly 9 Paid and Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment  Amount Scheduled Payment  Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XXXX XXXX XXXX XXXX Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Pays As Agreed Installment Installment Sales Contract Individual Account           ADDITIONAL INFORMATION: Closed or Paid Account/Zero Balance          Fixed Rate'

Company response to consumer: Closed with non-monetary relief