vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC
State: MN

Complaint narrative:
XX/XX/25 : The bank froze my XXXX accounts ( savings and checking ) unless I can prove certain large transactions that happened months ago! I answered their questions truthfully. The funds had come from other brokerage accounts and were disbursed to pay software development vendor. This did not lift the restrictions. 

XX/XX/25 : I spoke to customer service again to tell them I own XXXX hotels and business generates enough transactions and moneys to pay the suppliers. The bank asked for hotel websites to ensure these were genuine businesses and I gave them both websites. I have had banking relationship for past XXXX  years and only now they are trying to ask questions when I am trying to close the XXXX accounts. 

My funds are restricted in the XXXX amounts of {$5500.00} and {$5200.00}. 
I just want to close the accounts and get my funds released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy under case number XXXX in the XXXX  XXXX XXXX Texas XXXX and on XX/XX/XXXX, I received a full discharge under XXXX U.S.C . 72. XXXX  XXXX XXXX was properly listed in my bankruptcy schedules as an unsecured non-priority creditor for a charged-off credit card account totaling {$14000.00}. This debt was legally discharged. 

Despite this, XXXX  XXXX XXXX has continued to report this account inaccurately to XXXX, XXXX, and TransUnion. The account shows as Charged Off with a delinquent payment history extending through XXXX, which is well after the bankruptcy filing and discharge. It also continues to reflect negative status codes such as CO ( charge-off ) every month, with no mention that the debt has been discharged in bankruptcy. This ongoing reporting is not only inaccurate but misleading, as it suggests ongoing delinquency and personal liability for a debt that is no longer legally enforceable. 

I have submitted XXXX disputes with all three credit bureaus, including a copy of my discharge order and creditor schedules, requesting that this tradeline be updated to reflect a {$0.00} balance and the status updated to Discharged in Bankruptcy. However, no corrections have been made as of this filing. This inaccurate reporting is damaging my credit profile and violates my protections under the Fair Credit Reporting Act ( FCRA ) and the Bankruptcy Code. 

I am requesting that the CFPB intervene to ensure XXXX  XXXX XXXX accurately updates its reporting to reflect the discharge of this debt and ceases any further inaccurate or misleading reporting.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I couldnt receive money from my job my checks wasnt coming my job said it was sent on there end I tried to get a customer service number to call about my account I couldnt get to anyone so I closed my account tried to make a new one but couldnt so I just opened my account back up but still didnt receive my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-09-22 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing fraudulent accounts that have been wrongfully attached to my credit report. I have no association with these accounts, and their reporting is both inaccurate and harmful. Their presence misrepresents my financial record and damages my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
On XX/XX/year>, I sent certified dispute letters to Experian, Equifax, and TransUnion requesting that they : Correct my identifying information, and Delete all negative items that can not be verified as accurate under the Fair Credit Reporting Act ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ).

The disputes specifically challenged : The continued reporting of multiple incorrect names, prior addresses, and phone numbers. 

XXXX negative credit accountsincluding collections and charge-offsthat are not verifiable to my valid identifiers. 

Each bureau received my letters ( proof of delivery on file ). 
Since then, they have failed to delete the disputed personal identifiers and negative accounts or provide the complete list of data furnishers required by FCRA 609 ( a ) ( 1 ). 

In addition, Experian sent an email on XX/XX/year> addressed to a name I have expressly disputed, claiming my mailed dispute was not sent directly by me and redirecting me to an online portal. 
This misaddressed communication violates FCRA 611 ( a ) ( 1 ) ( A ) ( a certified mailed dispute is direct notice ) and demonstrates a failure to ensure maximum possible accuracy as required by FCRA 607 ( b ). 

I have supplied copies of my certified dispute letters, Experians email, and excerpts of my credit reports showing the disputed accounts and incorrect identifiers. 

I request that the CFPB require all three bureaus to : Permanently delete all non-matching names, addresses, and phone numbers. 

Remove all negative accounts that can not be fully verified to my valid identifiers. 

Provide a complete current list of all data furnishers as required by FCRA 609 ( a ) ( 1 ). 

Confirm all corrections and deletions in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
On XX/XX/year>, I sent certified dispute letters to Experian, Equifax, and TransUnion requesting that they : Correct my identifying information, and Delete all negative items that can not be verified as accurate under the Fair Credit Reporting Act ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ).

The disputes specifically challenged : The continued reporting of multiple incorrect names, prior addresses, and phone numbers. 

XXXX negative credit accountsincluding collections and charge-offsthat are not verifiable to my valid identifiers. 

Each bureau received my letters ( proof of delivery on file ). 
Since then, they have failed to delete the disputed personal identifiers and negative accounts or provide the complete list of data furnishers required by FCRA 609 ( a ) ( 1 ). 

In addition, Experian sent an email on XX/XX/year> addressed to a name I have expressly disputed, claiming my mailed dispute was not sent directly by me and redirecting me to an online portal. 
This misaddressed communication violates FCRA 611 ( a ) ( 1 ) ( A ) ( a certified mailed dispute is direct notice ) and demonstrates a failure to ensure maximum possible accuracy as required by FCRA 607 ( b ). 

I have supplied copies of my certified dispute letters, Experians email, and excerpts of my credit reports showing the disputed accounts and incorrect identifiers. 

I request that the CFPB require all three bureaus to : Permanently delete all non-matching names, addresses, and phone numbers. 

Remove all negative accounts that can not be fully verified to my valid identifiers. 

Provide a complete current list of all data furnishers as required by FCRA 609 ( a ) ( 1 ). 

Confirm all corrections and deletions in writing.

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 2025-09-22 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ DOE XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXXXXXX 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 explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-22 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-22 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-09-22 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: MO

Complaint narrative:
I am disputing debts that XXXX claims I owe. I have asked several times for proof that this debt is mine and that they have the right to collect it. They have not provided the information I requested. I have sent multiple written requests asking them to verify and validate this debt. The most recent letter was sent XX/XX/year>. They have not provided key information, such as the name of the original creditor, proof that they own or were assigned this debt and complete account and payment history. Instead, they continue to report this debt and send generic or inaccurate information to the credit bureaus and to me personally without giving me the proof I asked for. Continuously sending stall letters and not delivering the proof I've requested is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This majorly affects me because the accounts are still being reported on my credit file, which is lowering my credit score and harming my ability to get credit and other opportunities. I have spent time and effort trying to resolve this, but they are not fixing the issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid the loan in full in XXXXXXXX XXXX XXXX I have requested the title multiple times. They sent me a lien release letter as requested in XX/XX/XXXX. But the electronic lien has not been released. I can't sell the car, or trade it in. I have called 3 times, and emailed twice, but I get no cooperation with them in resolving the issue. I am now looking for an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-22 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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