vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of certain information appearing on my credit report, as provided to me by your agency. The following account is fraudulent and was opened without my authorization or knowledge : XXXX XXXX XXXX Account XXXX XXXXXXXX Balance : {$120.00} Please keep in mind all charges on this account are fraudulent. I am requesting that this account and all related charges be removed in full. This account is the result of identity theft. I have never applied for or opened this account and have no contractual agreement with this creditor. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately : Conduct a thorough investigation of this account. 
Remove this fraudulent account from my credit report. 
Send me an updated copy of my credit report showing these corrections. 
Enclosed are the following documents to support my dispute : A copy of my government-issued photo ID. 
Proof of my current address. 
A copy of my FTC Identity Theft Report confirming my claim. 
Please complete your investigation within the XXXX period allowed by law and confirm in writing that this account has been removed.

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 2025-09-09 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has once again failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA XXXX and XXXX ( b ) ) in handling my dispute. Despite my original demand for clarification dated XX/XX/year>, Experian has not provided a meaningful response to explain its reinvestigation procedures or demonstrate compliance with federal law. Instead of conducting a lawful and reasonable reinvestigation, Experian appears to rely on automated processes and XXXX data exchanges ( such as XXXX ), without obtaining or reviewing original account-level documentation from the furnisher. This failure to verify with actual source records violates the FCRAs requirement for maximum possible accuracy. 

The disputed account at issue XXXX XXXX XXXX XXXXXXXX Reference number : XXXX was already acknowledged by the bank as containing errors that needed correction. Yet, Experian continues to report inaccurate information. Their refusal to either update or delete the unverifiable data demonstrates negligence, bad faith, and disregard for consumer rights. 

Experian has a documented history of noncompliance, including being fined {$15.00} XXXX by the CFPB in XX/XX/year> for failing to conduct proper reinvestigations. Their repeated misconduct in my case shows this is not an isolated incident but part of a systemic problem. I am demanding that the CFPB hold Experian accountable for its violations, compel immediate deletion of any unverifiable or inaccurate data, and impose all appropriate enforcement actions, fines, and penalties for its ongoing willful and negligent disregard of federal 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 2025-09-09 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated XXXX XXXX  any nonpublic personal information. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXXXXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I GIVE CFPB PERMISSION TO INVESTIGATE ON MY BEHALF In XX/XX/2025, I received a notice from TransUnion informing me that my personal information, including my date of birth, had been exposed in a data breach. Following this, I attempted to enroll in the complimentary credit monitoring they offered. When I entered my correct name and the last four digits of my Social Security number, the system pulled up the information of a completely different individual, including another name, date of birth, and address. 

This shows that my identity has been compromised and that my personal identifiers are being linked to someone elses file. Because of this misassociation, I can not trust the accuracy of my credit file or confirm that fraudulent accounts or inquiries have not been added. 

I am demanding immediate removal of all inaccuracies and fraudulent activity, along with written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TN

Complaint narrative:
I GIVE CFPB PERMISSION TO INVESTIGATE ON MY BEHALF In XX/XX/2025, I received a notice from TransUnion informing me that my personal information, including my date of birth, had been exposed in a data breach. Following this, I attempted to enroll in the complimentary credit monitoring they offered. When I entered my correct name and the last four digits of my Social Security number, the system pulled up the information of a completely different individual, including another name, date of birth, and address. 

This shows that my identity has been compromised and that my personal identifiers are being linked to someone elses file. Because of this misassociation, I can not trust the accuracy of my credit file or confirm that fraudulent accounts or inquiries have not been added. 

I am demanding immediate removal of all inaccuracies and fraudulent activity, along with written confirmation once the corrections have been made.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB, I am extremely dissatisfied with how Bank of America has handled this matter. Note again, the bank has wrongfully withheld the deposited check for over XXXX months after closing my account, and despite CFPBs outreach, the bank has not provided any response or resolution. 



This conduct amounts to the bank stealing and holding my money without cause or communication. The bank has failed to : Provide any written explanation or legal justification for withholding my funds Return the deposited money Respond to XXXX XXXX within the required time frame Send me any notification or resolution update This is a blatant violation of my rights as a consumer, and I consider it an act of conversion and bad faith banking practices. 



I am formally requesting that CFPB escalate this complaint to enforcement review and require the bank to immediately return my funds. I also request that the CFPB investigate the bank for broader misconduct, as no consumer should have their money trapped like this without communication for over XXXX months. 



Please confirm receipt of this feedback and advise me of the next steps. 

My preferred way of contact is e-mail and should Bank of America need to get in touch with me with resolution and further communications my email is XXXX Sincerely, XXXX XXXX XXXX ( 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 monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I came in around XX/XX/XXXX in person to a Wells Fargo location to ask for either a refund or proof of opting into overdraft from a charge given to me while I was XXXX  in XXXX. However, when I asked for proof that I opted into this overdraft on a debit card for a company that is non-contract phone service that does not overdraft any account just terminates account with their company, they could not give me any proof that I had done so. When they called their collections department to ask they had no case on me UNTIL I provided them enough information to get into my account from that time. When I had asked again, they repeated that they have overdraft fees for reoccurring payments. However, this was not a reoccurring payment from XXXX, I had just purchased that non-contract Service for only a month and as stated on their website they do not pull out overdraft and it does not affect your bank. When giving them this information and asking if they could send me a copy of this policy, they did not give it to me, and instead repeated the information that I had already knew. I called them again The XXXX  of XXXX of this year and asked their overdraft collections department for the same information or any proof that I opted into overdraft on my debit account while repeating the information given about straight talk no contract no overdraft fees but they didnt give me any additional information or proof as well. The only information ever given to me was by the banker in person who wrote down everything we went over with the collections person on the phone.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/XXXX the mortgage loan with Chase XXXX  was paid in full. However, XXXX XXXX XXXX 's office is stating that the deed was never recorded and therefore I do not own my home. Chase has been contacted by phone twice in XX/XX/XXXX and XX/XX/XXXX, by writing once and in person once on or after XX/XX/XXXX and asked to send copies of the mortgage origination and loan closing including deed, title, mortgage note, mortgage or deed of trust, promissory note, closing statement or any other documents that would prove ownership of the home. Each request has been answered with we do not have these documents. The mortgage was paid for XXXX  years and now I am being told I don't have ownership of my home because a deed was never recorded, and all Chase XXXX  can say is they don't have any documents. This is unacceptable and I am seeking an attorney to pursue this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
Experian has not corrected my credit report. The report indicates that it has not been updated since XX/XX/year>. I have filed a dispute, which keeps being attributed to me. When I log into my Experian account, the message says : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. This has been the message since XX/XX/year>. Please investigate this issue

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has violated the Fair Credit Reporting Act by reinserting previously deleted accounts without notice, verifying fraudulent accounts without proof, reporting false derogatory information, and failing to conduct a reasonable reinvestigation. Accounts affected include XXXX XXXX XXXX ( false repo ), XXXX. of Education / XXXX ( reinserted loans ), XXXX XXXX XXXX XXXX ( paid off over XXXX  years ago but misreported ), XXXX XXXX ( collections despite ongoing payments ), XXXX, XXXX, and XXXX XXXX XXXX XXXX ( fraudulent charges, manipulated limits ). 

Equifax has also reported false late payments and derogatory notations tied to fraudulent accounts, which must be removed. 

In addition, Equifax confirmed that my personal information was impacted in its data breach settlement ( screenshot attached with engagement number ). This breach correlates with the fraudulent trade lines and mishandling of my file and underscores XXXX failure to uphold its duty under the FCRA.

Company response to consumer: Closed with explanation