vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: MI

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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 writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
It started when $ XXXX of dollars were stolen from my checking account using my ATM card that was stolen. They refused to refund my money and said I must have authorized use, but I did not and insisted on an investigation to review security cameras to identify and prosecute the perpetrators. Nothing was done and unfortunately no refund. So I eventually closed my account. 

I had 2 cashier 's checks that were not cashed and I asked for refund. One was not accepted as the company name had changed. The other check was never sent. First I called Wells Fargo at the number on the check XXXX and they told me to go the branch. I went to the branch XX/XX/year> and they said nothing they can do to refund even though it's their Wells Fargo checks! They told me to call XXXX back office. XX/XX/year> Spoke to Rep. named XXXX who said funds must have gone back to my account but she never let me give her the cashier check number or my Wells Fargo account number, so she never looked and I requested a letter or email to prove that funds were returned to me. She said it would take 4 hours or will mail, but she never did it. Never received any correspondence and I want my money back.

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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I am disputing a collection account that was sold from XXXX XXXX XXXX XXXX to Spring Oaks Capital LLC in XXXX. I believe this account is inaccurate and potentially fraudulent. I have requested validation from XXXX XXXX XXXX, but they have not provided sufficient documentation to prove the debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I am the victim of identity theft. A fraudulent loan was opened in my name through Affirm that I never applied for or authorized. The account appeared on my credit report in XXXX with balances ranging from {$140.00} to {$350.00} ( Affirm ) and {$180.00} Affirm loan ref XXXX Balance {$250.00} Affirm loan ref XXXX Balance {$350.00} Affirm loan ref XXXX Balance {$140.00} Affirm loan ref XXXX Balance {$0.00} ( closed ) Affirm loan ref XXXX Balance {$310.00} ). I discovered this when reviewing my credit reports and confirmed with a police report and FTC Identity Theft Report.

These accounts are not mine. I am requesting that they be permanently deleted and removed from my credit history under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
I am a victim of identity theft, and I have already filed an FTC Identity Theft Report ( Report # XXXX ). Despite this, my credit files continue to contain inaccurate and unlawful information related to a Dept. of EducationXXXX student loan account.

On my Equifax report, this account is reported with serious inaccuracies : Original loan amount was {$4000.00}, but the balance is listed as {$4400.00}.

Payment history is inconsistent and out of sequence. 
Late payments are reported incorrectly. 
Date of first delinquency conflicts with the date of last payment. 
These reporting errors violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Additionally, Equifaxs reporting is not Metro 2 compliant, which is the industry-standard format required for lawful and accurate reporting. Under FCRA 611 [ 15 U.S.C. 1681i ], I have the right to dispute and request reinvestigation of this account, yet Equifax has failed to resolve these deficiencies.

On my Experian report, I disputed this same Dept. of EducationXXXX account in XX/XX/year>, and it was officially deleted in XX/XX/year> ( Report # XXXX ). However, Experian later reinserted the account without providing me any notice or certification. This is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], which prohibits reinsertion of deleted information unless the furnisher certifies its accuracy and requires the bureau to notify the consumer in writing within 5 business days. I never received such notice, making this an unlawful reinsertion.

This also violates FCRA 1681 ( a ) ( 4 ), which guarantees consumers the right to fair and respectful treatment in the reporting of their personal information. 
On my XXXX report, this account does not appear at all, which proves that the reporting across the three bureaus is inconsistent and unreliable.

I have already disputed these items, provided proof of identity theft, and notified regulators, but the account remains. The inaccurate reporting has harmed me financially by lowering my credit score, making it harder to access credit, and causing me ongoing stress and emotional harm.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Penn Credit is reporting and attempting to collect a XXXX  utility bill that can not be verified. 
The documents they provided are legally insufficient : The account numbers do not match ( XXXX # XXXX vs. Account ID # XXXX ). 
The XXXX bill shows XXXX kWh usage for a 5-day billing period yet demands {$980.00}, which is false and misleading.

The proof they sent contains only internal ledger codes ( SYNC ONLY Transfer Eligible Balance ) and does not include an itemized statement, contract, or evidence tying me to this amount.

Under the Fair Debt Collection Practices Act ( FDCPA ) 807 & 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) 623 & 611, they must provide accurate and verifiable information before collecting or reporting.

I am requesting : Immediate deletion of this account from all credit reports. 
A cease of all collection activity. 
Written confirmation that this account has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Consumer Complaint : Mishandled {$9000.00} Cash Deposit at Chase Bank Dear Consumer Financial Protection Bureau, I am filing a consumer protection complaint regarding JPMorgan Chase Bank. On XX/XX/year>, I deposited {$9000.00} in cash at the Chase branch located at XXXX XX/XX/XXXX, TX XXXX, using the branch lobby ATM. 

The ATM malfunctioned mid-deposit, rejecting one {$50.00} bill and then freezing after I inserted the remainder of my money. The transaction did not finalize, and I did not receive a receipt. I immediately reported the issue to the branch manager, XXXX XXXX XXXX, who submitted a claim. I was told it would take 10 days for an investigation. 

The following day, I returned to the branch and saw that the ATM had been serviced. Yet, no one contacted me regarding whether my cash was recovered, secured, or credited to my account. The branch manager provided no meaningful assistance, did not follow up with Claims, and dismissed my concerns. 

This {$9000.00} is my wifes and my savings from our farmers market business, which we carefully collected and entrusted to Chase. We intended to grow our hard-earned money responsibly with this institution. Still, instead, we are experiencing panic and distress because there is no guarantee from Chase that the deposit has been secured. 

This mishandling has placed us under significant emotional and financial hardship. I request that the CFPB investigate Chases handling of ATM deposit failures and ensure that consumers are not left in such vulnerable positions without their funds, receipts, or communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-09-19 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: OK

Complaint narrative:
After applying for a XXXX credit inquiry on XXXX XXXX I noticed the first week of XX/XX/XXXX I had a XXXX  inquiry ran on my credit report, for a car loan by XXXX XXXX. I contacted XXXX from XXXX XXXX and he said they did not run my credit. However, the hard credit pull is still showing on my credit report. I filed many disputes with the XXXX credit bureau 's who were supposed to contact the companies. I spoke again with XXXX from XXXX XXXX and he said he is willing to have them removed, even tried calling the credit bureaus but it's all automotive and they wanted my personal information which he does not have. I called the XXXX  on XX/XX/XXXX and was told to file a report with the FTC and I did. As of today XX/XX/XXXX it is still on my credit report. 

This is the second time this has happened to me with XXXX XXXX no effect to your credit XXXX  pull offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, We are submitting this letter to formally file a complaint against our former landlord, XXXX XXXX XXXXXXXX XXXX XXXX We currently have XXXX ongoing claims and lawsuits against this landlord : XXXX Damage Claim : On XX/XX/year>, a tree from the XXXX XXXX XXXX XXXX on our car, causing significant damage. Despite our repeated requests for compensation, XXXX XXXX has refused to cover the repair costs. As a result, we have filed a lawsuit, which is still active. 

XXXXRetaliation and Credit Damage Claim : In apparent retaliation for our initial legal action, XXXX XXXX XXXX XXXX inaccurate bill to a collection agency, negatively impacting our previously excellent XXXX XXXX. We are pursuing a second lawsuit to request the court 's intervention in correcting this wrongful and retaliatory action. 

We have attached supporting documents for your review, including : Evidence showing that the collection agency bill is incorrect and that we do not owe any outstanding amount. 
Documentation related to the damage caused to our car by XXXX XXXX tree. 
Thank you for taking the time to review our case. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
XXXX'PLAZA SERVICES LLCXXXXLast reported XXXX XXXX XXXXOpen balance\XXXXPLAZA SERVICESXXXXLLCXXXXOriginal creditorXXXXOpenedXXXXAccount statusXXXXTypeXXXXResponsibilityXXXXXXXX  XXXX XXXX XXXX mos)XXXXOpenXXXXRemarksXXXXOriginal creditor nameXXXXIndividualXXXXConsumer disputes - reinvestigation in progressXXXXCollection accountXXXXPLAZA SERVICES LLCXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my cards did not work while paying at the grocery store. I called and they gave me misinformation that there was suspicious activity on my card and so they shut it down. They sent me a new XXXX expedited, on Tuesday XX/XX/XXXX. On Wednesday XX/XX/XXXX I went to pay what I owed from that store and the account read ( to the store clerk ) " CLOSED ACCOUNTS. '' I called during my break and was informed that the bank decided to close my accounts and redirected me toward a notification in the app that only read " XXXX XXXX. '' This notification was sent on XX/XX/XXXX via the app and I did not have any idea about it. The disclosure agreement was many, many pages long and did not mention what had happened. I called back the next day, because the representative said she could not give me answers and to call back in the am, and they were unable to tell me the reasons why. The man said he did not have any more info but I should expect a check in the mail. I asked when it would arrive and he said he did not know. I asked for my statement history and he said they'd mail it but he did not know when. I am without funds until then, entirely. XXXX savings accounts and XXXX checking account are all closed, without an explanation, without communication and the representatives are not helpful. Misinformation at Ally.

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 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I was the guarantor on a residential lease that ended on XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY ). I am being pursued by XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for {$7800.00}. I never signed a lease renewal, extension, or guaranty beyond XX/XX/year>. I have a copy of the contract valid for XXXX  months which was paid in full. 

I submitted a written dispute and formal cease collection notice, and requested debt verification. The collection agency has failed to respond or remove the collection attempt. They are pursuing post-lease obligations that I am not legally responsible for. 

I request that CFPB investigate and require the debt collector to cease all collection activity and correct any credit reporting related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation