vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NC

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX XXXX Balance : {$5400.00}

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 2025-07-10 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: AP

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX XXXX XXXX, Balance : XXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX XXXX XXXX, Balance : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX Balance : XXXX XXXXXX/XX/XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX XXXX XXXX, Balance : XXXX XXXXXX/XX/XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

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 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am submitting this complaint to report improper servicing conduct and potential misapplication of HUD funds by Wells Fargo under the FHA Partial Claim program. 
According to HUD 's XXXX XXXX XXXX, Wells Fargo processed four Partial Claims dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXXXXXX  totaling more than {$50000.00}. Maryland Land Records confirm that three separate subordinate Deeds of Trust were recordedone for each claim, except the claim dated XX/XX/XXXX. 
However, FHA servicing guidelines in effect during the relevant period prohibited multiple active Partial Claims unless the prior lien was satisfied or rescinded. No such release documentation has been provided, and the XXXX XXXX  does not reflect a proper payoff or rescission prior to the issuance of subsequent claims. 
On XX/XX/XXXX, I contacted HUD 's National Servicing Center, where I was advised to address this dispute directly with Wells Fargo. Upon contacting Wells Fargo, I was told that they could not access documentation from the XXXX  Partial Claim and referred to their correspondence department. The information that is available shows just a promissory note that I signed in XX/XX/XXXX, not a partial claim promissory note. That referral provided no path to resolution and left me without access to critical records verifying whether these claims were properly executed....... More Please see the attached letter with details.

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 2025-07-10 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice. 
Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 


Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXXXXXX 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 2025-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
This has been a problem loan from the beginning. Citizens had to refund me money years ago. I complaint about the loan. I have been making payments since the refund and the principal has not gone down on this loan. It was taken out in 1997 for {$23000.00}, and today, I am still at {$11000.00}. That makes no sense to me. I need a yearly break down of what was paid, how much went to interest and how much went to principal on this loan. I don't believe I own anything more on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NM

Complaint narrative:
I am a victim of identity theft and have experienced repeated breaches of my personal information due to various data breaches over the years. As a result, numerous unauthorized bank accounts, loans, and phone services have been fraudulently opened in my name without my knowledge or consent. 

I am a retired, elderly woman with a XXXX and have maintained the same credit union account for over 25 years. I do not frequently use credit and have always been cautious with my financial information. 

Recently, I discovered two unauthorized business loans listed on my credit report under the following entries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for {$1200.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} These accounts were not opened by me, and I am requesting that they be permanently removed from my credit file. I have already taken the following steps to protect my identity : Filed a report with the Federal Trade Commission ( FTC ) Placed a fraud alert with the major credit bureaus I respectfully request the Consumer Financial Protection Bureaus assistance in resolving this matter and ensuring that my identity is protected moving forward.

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 2025-07-10 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: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
On XXXX I inquired about a payday loan of only XXXX. I spoke with the rep on the phone and she was very evasive with her answers so I told her to forget it and hung up on her. They attempted to call me 3 times in which I did not respond. I checked my bank account on Monday XXXX and there was a XXXX deposit from them in my account. I emailed their customer service regarding this deposit, they did not respond. I called Tuesday, XXXX and spoke with a foreign lady I didn't understand her name, she said I signed documents for the loan in which I told her I did not, that it was fraud, and she said they would take the XXXX back and forget the loan. They still have not done so, and they keep taking XXXX out of my account. This is fraud. I am tired of chasing this down. I am afraid I will have to close my checking 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 2025-07-10 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:
Equifax is reporting inaccurate information on a closed XXXX XXXX account on my credit report, the account in dispute is account number XXXX XXXX on my credit report. In XXXXXXXX XXXX XXXX this account was accurately reported as paid on time, however 1 month later, in XXXXXXXX XXXX XXXX  this account was reported as 60 days late, then in XXXXXXXX XXXX XXXX  reported 90 days late and then in XXXXXXXX XXXX XXXX  reported 120 days late. Clearly it is not possible to be on time in XXXXXXXX XXXX XXXX and then 60 days late, in the following month. The reporting for the months of XX/XX/year>, XX/XX/year> and XX/XX/year> are inaccurate. This account was paid on time, not late and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company is in violation of FDCPA as well as 15 USC 1692. This company is not the original creditor as it listed itself within the credit bureaus nor had this company validated any information that I requested signed contract or agreement Credit collection services is trying to take on the identity of another entity of which I have no knowledge of owing a debt. Credit collection services should be sanction for misleading and or falsifing information presented to the Credit bureau to gain unlawful profit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
I want to make it absolutely clear that this complaint is not submitted in error. My credit report contains inaccurate information that does not meet the legally required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being, placing an undue burden on me during an already challenging time.

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 2025-07-10 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
XX/XX/year> I sent in disputes to make corrections to my credit report. XXXX XXXX, mail was requested and sent! In XX/XX/year> I called for updates at that time I did not have a score or report available online! I was told that the information had not got to the right department an when it does it would be corrected! The end of XX/XX/year> I call spoke with a equifax agent the advised me that my report had been mixed with XXXX XXXX do to a system error and they had to work to separate the 2 after 2 weeks I would receive correspondence telling me how to log in! XX/XX/XXXX I called back spoke to a rep that advised that the last rep was not telling me the right thing and my report was under consumer protection and I did not have access to my reports or scores! But lenders would have access. Now it's July 9th 30 days later and I am trying to by a home I called back to be told by a equifax rep on recorded line that I don't have access to my report with equifax and they have the right to deny me the use of my credit nor do the lenders have access to my report that they would not provide me any information nor could I speak with anybody and I would not have access indefinitely for my own protection! I been homeless with transportation and everything because of the issues with equaifax I have sent every document needed to verify identity but still no help or resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy of the following account on my credit report, which I obtained on you obtained your credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am currently a victim of XXXX, in XXXX i went through a XXXX situation and was taken advantage of by my father who opened two separate bank accounts without my consent, XXXX XXXX with a balance of XXXX and XXXX XXXX XXXX  with a balance of 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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase Bank regarding a {$12000.00} transaction made on or around XX/XX/year>, to a merchant ( XXXX XXXX ) under a written performance-based contract that was never honored. 

The contract explicitly guaranteed that if the merchant failed to deliver six ( 6 ) recruited sales teams within 6 months, they would issue a 100 % refund. The merchant delivered nothing, requested two extensions, then refused to refund the money, and dissolved the company to avoid liability. I have documentation of the signed contract, all correspondence, the dissolution record, and the timeline of their breach. 

When I contacted Chase to dispute the transaction, I was told it was too late and that its not considered fraud. This response is unacceptable. This is not a case of dissatisfaction or a standard service issue this is a case of : Breach of contract Non-delivery of services Intentional misrepresentation Entity dissolution to avoid refund liability Chase has refused to escalate the matter or review it under the correct context despite the fact that the breach, harm, and refusal all occurred after the transaction date. Their decision not to pursue recovery has left me financially harmed and unprotected, even though I relied on them to safeguard transactions backed by contractual guarantees. 

I am requesting that the CFPB intervene to ensure Chase re-opens the dispute and fully investigates this matter under their extended policy for continued service non-performance, misrepresentation, and dissolution fraud. This was not a simple bad experience this was a service that was never provided under the terms of a legally binding agreement. 

Chases inaction sets a dangerous precedent : that a company can take full payment, deliver nothing, dissolve, and walk away while the bank refuses to protect the customer. I am respectfully asking the CFPB to require Chase to refund the full {$12000.00} and take action to correct this mishandled case.

Company response to consumer: Closed with explanation