vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I FOUND INQUIRIES IN MY CREDIT REPORT THAT I DID NOT AUTHORIZED.

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 2025-12-23 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: State Home Mortgage
State: GA

Complaint narrative:
Summary of Servicing Error & Loss Mitigation Barrier : On XX/XX/year>, I visited my mortgage lenders office, State Home Mortgage, in person to address a delinquency. I tendered {$2100.00} in cashiers checks to be put towards my past due mortgage balance. A State Home Mortgage representative accepted these funds in person and issued a formal receipt. 

On XX/XX/year>, I received a letter in my mailbox at home from the lender. They attempted to unilaterally reverse this transaction and they returned the already-accepted checks, stating the checks did not meet an " all-or-nothing '' requirement. Simultaneously, the lender issued a 5-day demand to pay. I am formally disputing the return of funds that were already receipted and accepted by the lender. 

Furthermore, I have encountered the following significant barriers to loss mitigation : Withholding Options : Staff confirmed in-person upon submission of my payment that Payment Deferral options exist, but this application was not included in my Loss Mitigation packet I previously received by email from the Default department. 

Communication Barriers : The lender representative insists on phone communication during my work hours as an in-service XXXX XXXX ( when I can not use a phone ), and their general phone system is frequently inaccessiblea fact acknowledged by their own staff. The lender representative has also has refused to correspond with me via email, although I have repeatedly explained the nature of my work schedule/limitations and how this influences my correspondence needs. 

I have filed a formal Notice of Error with the Default department manager and I have requested a reinstatement of my previously accepted {$2100.00} payment, a Non-COVID related Payment Deferral Loss Mitigation packet with a Payment Deferral application and instructions for how to apply, and a 30-day " Stay '' on all default proceedings to allow for a proper review of a standard internal payment deferral option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this formal complaint because Experian, Equifax, and TransUnion continue to report an alleged charge-off from XXXX XXXX ( Account ending XXXX XXXX XXXX XXXX XXXXXXXX ) that does not belong to me, is not recognized by me, and contains material contradictions across the credit bureaus, proving that the information is inaccurate, unverifiable, and the result of a mixed file / identity error. 

This tradeline contains multiple objective inconsistencies that make it impossible to be accurate under the FCRA. These include conflicting account type reporting, different account opening dates, inconsistent high credit amounts, incompatible last activity dates, conflicting last payment dates, and an illogical payment history where a charged-off account is simultaneously reported as OK and delinquent. Additionally, each bureau uses different remarks regarding an alleged transfer or sale of the account, confirming that there is no single, reliable, or verified source for this data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am disputing the collection account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I am submitting this complaint with absolute certainty and growing frustration due to multiple errors appearing on my credit report. These inaccuracies have persisted despite prior efforts to correct them and are having a serious negative impact on my credit score and overall financial stability. The continued reporting of incorrect information has caused unnecessary stress and has directly interfered with my ability to move toward financial freedom.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-12-23 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: OH

Complaint narrative:
I am submitting this complaint to dispute the continued reporting of inaccurate and obsolete personal identifying information on my Experian consumer credit report. Despite prior disputes, Experian continues to display previous addresses and employment information that are no longer current, relevant, or verifiable.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of all information in a consumers credit file. The continued reporting of outdated personal identifiers does not meet this standard.

Information in Dispute Obsolete Address Information The following addresses are still being reported despite no longer having any connection to my current identity or credit activity : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These locations are not associated with any active or recent credit accounts and serve no permissible or necessary purpose for continued reporting. 

Outdated XXXX XXXX XXXX XXXX XXXX ( last reported XX/XX/XXXX ) This employer information is more than XXXX years old, is no longer accurate, and is not relevant to my present credit profile. 

Current Accurate Identifying Information ( For Reference ) Name : XXXX XXXX XXXX Year of Birth : XXXX Current Address : XXXX Falling XXXX XXXX XXXX, OH 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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: LA

Complaint narrative:
I owe some debt and have been working with another company to pay it back. I received a screenshot from my father that someone tried to text him to collect my debt through his phone. His phone is not listed in the debt collection so my only assumption is that they maliciously found his number to let him know about my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX XXXX  has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On the XXXX XXXX XXXX XXXX a transfer was made from XXXX to Capital One over drafting XXXX BY {$100.00}. A credit to Capital One was made of said amount. On the XXXX of XXXX a reversal was made after the over draft was paid in full. Capital One documented the deduction noting the {$100.00} was a reversal of the deposit on XX/XX/year>. The over draft had been paid in full on the XXXX and NO notation was made via XXXX even though it was annotated on the Capital One account. I, XXXX XXXX XXXX submitted a dispute with XXXX the dispute was denied. I was told to dispute it with XXXX by Capital One. Capital One denied the dispute claiming it was XXXX 's issue NOT Capital One. XXXX XXXX XXXX contacted me and I discussed it with them to NO avail. I submitted documentation to XXXX and again they claim to documentation of the transaction. XXXX deducted money from a thisd party to collect a debt paid in full with no documentation to the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. please remove these account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank has improperly retained funds from our business account ( Account XXXX. XXXX ) since XX/XX/XXXX, despite the fact that all payroll checks associated with these funds were fully paid, cleared, and settled for our employees. 

Amounts : Year XXXX {$280000.00} XXXX XXXX XXXX Our company previously submitted a formal written demand by certified mail requesting either the immediate release of the funds or a written explanation identifying the legal authority for the continued hold. The bank was provided XXXX business hours to respond. That deadline has expired, and no response of any kind was received. 

The facts are as follows : Wells Fargo processed and cleared our payroll checks. 

Despite successful settlement, the bank imposed a XXXX hold, already exceeding what is reasonable under XXXX XXXX. 

After the expiration of the hold period, the funds were not released and were instead transferred internally to the banks XXXX XXXX. 

Following additional delay, the XXXX XXXX  stated that the funds could not be released because too much time has passed, and that the matter now allegedly requires legal involvementdespite the delay being caused entirely by the bank itself. 

Wells Fargo has failed to provide any court order, subpoena, contractual provision, or regulatory basis justifying the continued retention of cleared funds. This prolonged and unexplained hold has caused material harm to our business operations and constitutes an unfair and unreasonable banking practice. 

We respectfully request regulatory intervention to require Wells Fargo to : Provide a written legal justification for withholding cleared funds ; Disclose the status and findings of any alleged fraud review ; Confirm the exact date on which the funds will be released.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
This is my XXXX complaint and I have yet to receive any response, call, letter or any communication from Morgan Stanley Private Bank. I have been trying to get money I deposited on XX/XX/XXXX ( IRA withdrawal {$59000.00} from XXXX ) and XXXX XXXX ( {$100.00} cashier 's check ). My the source of funds were validated on XX/XX/year> directly by Morgan Stanley and XXXX ). 
I called in today XX/XX/year>, I called to get an update on the closed accounts ( checking XXXX and savings XXXX accounts ). I spoke with a young lady who verified me and transferred me to XXXX in account activation. XXXX, put me on hold and returned to say he could not speak with me because I was not the account owner. I told him I was and he then requested a live selfie, I agreed and he walked me through how to take a selfie and upload it. After I submitted the selfie he said, I needed to contact the other bank and ask them to recall the funds. I explained that both funds were cleared to their bank and that they spoke with XXXX to verify the check how do I ask them to recall funds they verified? What do I tell them Morgan Stanley Private Bank closed my account and they wont send me my money? He said just contact them as we no longer service this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding inaccuracies found on my credit reports across the XXXX major credit bureaus Experian ( XXXX ), Below is the detailed information of the accounts in question : Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-23 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: Zendable, Inc.
State: CA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute and report a fraudulent loan account that has been opened under my name with XXXX XXXX, referenced as Loan XXXX XXXXXXXX. I never applied for, authorized, or consented to any loan with your company. 



Further, I have discovered that funds have been withdrawn from my bank account in connection with this unauthorized account. I am a victim of identity theft, and your organization failed to properly verify the applicants identity prior to opening and servicing this accountverification measures that should have prevented this fraudulent activity. 



Accordingly, I demand that XXXX XXXX take the following actions immediately : Close and remove Loan XXXX XXXXXXXX from your internal records and confirm in writing that I have no financial responsibility for this account. 
Cease all withdrawals, debits, collections activity, and communications related to this fraudulent account. 
Remove any and all reporting associated with this account from all credit bureaus and provide written confirmation once completed. 
Provide copies of any documentation associated with the account, including but not limited to : The original application and any signatures ( electronic or otherwise ) The method and results of identity verification used Any recorded communications, IP/device information, and timestamps A full transaction history and disbursement details Please treat this matter as urgent. I request a written response confirming receipt of this dispute and the specific corrective steps being taken within XXXX business days. If this issue is not resolved promptly, I will escalate the matter to the appropriate regulatory and consumer protection agencies and will consider all additional remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-12-23 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:
Please examine the materials included ; the questions came in with no advance notice and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
Collections on my account should be removed! It was removed and added back! Please remove from my credit report

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 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
A criminal opened a savings account in my name with Synchrony Bank. I contacted them and told them I did not open this account. It has since been closed. 

My issue is with the fact that the criminal had all my information and a phone number that is also in my name which is not mine. I'd like to deal with this false number but I don't know who the carrier is. 

I have freezes and fraud alerts on all credit companies and ChexSystems. How can accounts continue to open in my name? What else can I do to protect my identity?

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