vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
Several accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit report is entirely unacceptable. They present false and misleading information about my financial history, which has caused me significant concern and XXXX. I take my credit profile very seriously, and the appearance of these accounts raises serious questions about the accuracy and security of the reporting process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I have requested proof of negative remarks on my. Credit report and copy of sign contract payment history also copy letter given permission to publish any information regarding loan and used of improper name and adress and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by Experian. Their records incorrectly show several payments as late, despite the fact that these payments were made on time. This false reporting has damaged my credit score and does not reflect my true payment history.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year> I tried to open a cd with XX/XX/XXXX check from XX/XX/XXXXXXXX and XX/XX/XXXX check from XXXX. Both checks were written out of my personal accounts and XX/XX/XXXX XXXX cash. My objective was to open XX/XX/XXXX cd 's. I felt with XXXX and he said he couldn't open the cd 's but even after he called someone they both could not understand. He said he would get back to me on monday XX/XX/year>. On that date I checked with both of my banks and the funds cleared my accounts on XX/XX/year>. XXXX do not get back to me until XX/XX/year> and said there was still a hold on the checks and he would call someone. I requested that he have someone higher up get back to me. I did not hear back until XX/XX/year>. She said she was the acting branch manager and didn't know what was going on and she did not speak to anyone else at that point but she would reach out to a miss XXXX and have miss XXXX call me. On XX/XX/year> miss XXXX called me and said the funds were still on hold and she had no reason why and could not answer any of my questions about Bank procedures and she could not put it in writing for me. I opened a complaint with the bank which she could not give me. She said it would probably be 2 to 3 working days before someone would get back to me. This will put it on or about XX/XX/year>. They have had my money since XX/XX/year> and I have no cd 's and she said she didn't know if they would back date the cd 's to start on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: UT

Complaint narrative:
I detected fraud on my checking account. I communicated with the bank and they recommended opening a new account so we did that they told me to go home and move over all my online bill pay from the old account to the new account. When I went home and tried to do that the website didnt allow me to change it. I contacted support and attempted to get some help while I was on the phone with them they locked the payments that were coming out of my online bill pay to the wrong account. After escalating to a supervisor they told me that they couldnt stop the checks from going out, but they would attempt to stop payments. They assured me that these were paper checks. Then two days later electronic funds transfers were initiated by the bank from the wrong account to five different creditors. I contacted all five creditors and notified them that these were bad transactions and the US bank was responsible for any fees. So far only XXXX has assessed a returned check fee. But when I attempted to contact US Bank to get the {$29.00} fee credited, I was given the runaround by support. They keep telling me that some special team needs to address it, but refused to transfer me to that team. After multiple phone calls Ive given up. This complaint may be the only way to get the correct person to address the return check fee that US Bank owes to XXXX. 

All of this could have been avoided if the bank had changed the account on the online bill pay when they were supposed to.

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 2025-09-12 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXBalance : {$6000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 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 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I wrote a check to my client and his bank cashed it and holds the fund, the reason is I am not the authorized signor, and demands my bank, Wells Fargo to file a claim, then they will refund us. 

I called Wells Fargo, the rep said there is no claim to file. 
XXXXXX/XX/XXXX insists it has to file a claim in order to process the refund, since it is a " cashed check '' issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
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 four 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 2025-09-12 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: CA

Complaint narrative:
Enable specifically stated I was to contact XXXX XXXX to confirm settlement. I requested a different date, due to the fact that I am leaving tonight for a funeral. It is now almost end of business day and XXXX has not replied once. Enable is LYING and DECEIVING customers by stalling and pushing me further into delinquency. 


Enable specifically stated I was to contact XXXX XXXX via EMAIL ( not calling ) to confirm revised settlement dates. It is now almost end of business day and XXXX has not replied once. Enable is LYING and DECEIVING customers by stalling and pushing me further into delinquency. 

Enable wants to complain that I reached out too many times? Well CFPB, now you see why. Look at their communication or lack thereof. 

Proving their response to the CFPB was nothing but a PR stunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MOHELA
State: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my student loan account originally serviced by XXXX and now by MOHELA. My credit report reflects a late payments in XXXX & XX/XX/XXXX. This reporting is inaccurate and should not appear. 
Under the CARES Act and subsequent federal student loan relief measures, federally held loans were placed into administrative forbearance beginning XX/XX/XXXX, with no payments due, no interest accrual, and no negative credit reporting allowed. A late payment reported in XXXX is therefore inconsistent with federal protections and constitutes inaccurate furnishing under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
If the account was private at the time, XXXX and MOHELA were still required to provide accurate reporting and ensure borrowers were not unfairly harmed by servicing transfers or COVID-related relief programs. The CFPB has issued guidance requiring servicers to ensure accurate reporting and seamless transitions. 
I request that this late payment entry be investigated and deleted from my credit report, as it is inaccurate, unverifiable, and in violation of federal borrower protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Nationwide Capital Services, LLC
State: AL

Complaint narrative:
I was attempting to collect information in order to better find a resolution to the alleged debt owed, but somehow there was a rumor spread it around their call center that I was recording their calls afterwards. My number was blocked rendering me no way to reach a settlement. They did inform me that they would be suing which in term leave Me no defense and said future lawsuit scratch settlement. Structured settlements is violating my rights. Please have them delete all debt and removed from my credit score. Once proven they blocked my calls and refused to communicate with me.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was the victim of a transfer to self XXXX scam. A fraudster contacted me while impersonating my bank and tricked me into authorizing a XXXX transfer by claiming it was a security step to protect my account. This transaction was not initiated by me for any legitimate purpose, and I did not knowingly authorize sending money to a third party. I truly believed I was talking to a Chase representative and protecting my account. 

I initially received a text message that appeared to be from Chase Bank, warning me of a {$1500.00} unauthorized purchase in XXXX. I had gotten texts from Chase with similar language in the past. For example, I'd get one for {$50.00} deposits into legal sports wagering accounts The text instructed me to confirm whether the purchase was mine. I replied " No '' as directed. Moments later, I received a phone call form a person claiming to be from Chase security. 

The caller knew details about my account, used bank-specific terminology, and explained that my account had been compromised- possibly by employees at my local Chase branch . They then instructed me to move my funds to a new " secure account '' to protect them. Believing I was speaking to a legitimate Chase representative, I followed their instructions and did the following : - Sent {$2000.00} via XXXX to an account they provided. I was under the impression that I was transferring into my own new, secure account. 
- I then withdrew {$2900.00} in cash from my chase branch and deposited it into another account they provided, again believing it was a Chase-controlled secure account. 

The next day, I realized this was probably a scam. I filed a police report and submitted a fraud claim with Chase. Despite filing a police report and providing all the necessary documentation, my claim was denied. I made an appeal and that was denied as well.

I do not believe Chase did any sort of proper investigation into this. This was not a standard authorized transaction it was a case of criminal impersonation and social engineering in which I reasonably believed I was following Chases own fraud prevention procedures. 
I am willing to provide any sort of documentation the CFPB may need. I have screenshots of the interactions with the fraudster, the police report, and screenshots of the transactions. I'm willing to provide claim numbers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: OH

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 : XX/XX/6035

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The information being reported is incomplete, contradictory, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 
1. Future Reporting Dates My Experian report shows Balance updated : XX/XX/year> even though todays date is after that. Reporting a future date is impossible and indicates flawed or fabricated data.

2. Contradictory Account Status The account is listed as Charged off, {$320.00} written off, yet it also shows {$320.00} past due as of XX/XX/year>. A charge-off means the balance was written off. It can not also be reported as currently past due. This is misleading double-reporting. 
3. Missing / Undefined Information Under Additional Info : - Original creditor : - Company sold : undefined The absence of this information makes the account unverifiable and incomplete.

4. Improper Payment History Reporting The payment history shows CO ( Charge Off ) listed every month into 2025. Once charged off, an account should not continue to report as a new charge-off each month. This artificially extends derogatory reporting.

5. Balance vs. Status Inconsistency The account shows a {$320.00} balance while also stating {$320.00} was written off. If it was written off, the balance should be {$0.00} or clearly marked as sold/transferred, not left as an active balance.

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 2025-09-12 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, as proof from the US 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 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