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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX.

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 status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-09-12 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: CA

Complaint narrative:
This account was not properly validated as required under 15 U.S.C. 1681i ( 7 ), making it unlawful.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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:
The credit entry is invalid under 15 U.S.C. 1681i ( 7 ) because of improper verification.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am the account holder of a Wells Fargo account originally opened in XXXX. I have formally requested copies of my original signature card, customer agreement, and related account documentation. These records are critical for legal review in connection with identity theft, unauthorized transactions, and institutional failure. 

I have reported and documented unauthorized online access, breach indicators, and a failure to investigate identity theft reported on XX/XX/XXXX. Wells Fargos continued refusal to produce recordsespecially those that would expose procedural failuresconstitutes a pattern of obstruction and may violate N.C. Gen. Stat. 75-1.1, which prohibits unfair and deceptive trade practices.

Wells Fargo has refused to provide these records, citing vague regulatory implications. This language is evasive and masks institutional culpability. As the account holder, I am legally entitled to access these records under the North Carolina Financial Privacy Act ( N.C. Gen. Stat. 53B-1 et seq. ) and the Right to Financial Privacy Act ( 12 U.S.C. 3401 et seq. ). Their refusal obstructs my ability to pursue legal action and defend against fraudulent activity.

I request that the CFPB compel Wells Fargo to produce the requested records and investigate their use of evasive language to suppress consumer rights and accountability. 

My information requests were submitted in the following CFPB complaints 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 2025-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear CFPB, One has CD 's that have matured with Navy Federal Credit Union and others which are upcoming on maturity. I do not want to renew the accounts on the mature date and opt to cash out. Yet, one 's unable to manage my account online because of restricted access. Also, can not comprehend why NFCU suggested I visit a branch location. I do not need to speak with a live person to close my accounts. Besides, I can't see anything. How can anyone discuss a situation if, they're unable to fully assess the matter at hand? Especially, when these matters concern their personal information. At any rate, NFCU should know I'm closing my accounts but my funds can not be transferred to another institution overnight. Also, one 's capable of transferring all funds without the assistance of a live representative. If live service is needed I deserve a right to briefly chat with an agent via message system. I understand that " inappropriate behavior, " has limited my interaction with a live representative. It serves as a safety precaution for all parties. But when NFCU restricts complete access to all my records, it makes their acts seem malicious and retaliatory. If possible, would you please inform NFCU that I'm not interested in renewing any of my CD 's and opt to cash out? 

XXXXXXXX XXXX XXXX XXXX

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 2025-09-12 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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: CA

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$18000.00} 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, 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XX/XX/XXXX -- {$1400.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$7800.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I don't kno because they closed my account the name was XXXXXXXX XXXX you can look it up I had that account for several years and they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
After my first complaint to CFPB my MORGAGE company now schedule me for 3 months forbearance payment which is {$2800.00} each month that they are still waiting for the 2 months missed payment which is XXXX and XXXX which I can not be able to pay I need help am a single mother and the new job I got the offer is not enough for me to start paying forbearance and missed payment for XXXX and XXXX please I need help for the XXXX and XXXX am stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: MA

Complaint narrative:
My loan payment was due XX/XX/year> and XX/XX/year>. On XX/XX/year>, I spoke with a PNC representative for approximately 10 minutes. During that call, I explained that I would make a partial payment that week and bring the account current within two weeks. I was assured that this plan would keep my account in good standing and that my XXXX installment would be settled before the XXXX due date. 



I followed through exactly as promised : XX/XX/year> {$200.00} payment ( Confirmation # XXXX ) XX/XX/year> {$600.00} payment ( Confirmation # XXXX ) Both payments were processed by PNC. Although the {$600.00} payment was processed on XX/XX/XXXX, it was not posted to my account until later due to PNCs internal system delay. 



Whether the {$800.00} total was applied to XXXX installment or XXXX installment, the fact remains that : 1. I made payments in good faith and in accordance with the arrangement made with your representative.

2. I made a partial payment before the 30-day delinquency threshold. 
XXXX. I brought the account current before the XXXX due date. 
4. At no point was my account properly more than 30 days past due.

Reporting me as late for XX/XX/year> is factually inaccurate and violates your obligations as a furnisher under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting that PNC : 1. Immediately investigate this error.

2. Correct your records to reflect that my account was current in XX/XX/year>. 
3. Submit updated and corrected information to XXXX XXXX and XXXX 


am enclosing payment confirmations and screenshots as documentation. Please provide written confirmation once the correction has been made. If this matter is not resolved promptly, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulators.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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: IN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts on my credit file dated XX/XX/year>. These entries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) ). 

Accounts in Dispute Self/Lead Bank ( Acct # XXXX ) duplicate entries, conflicting balances, misreported payment history. 

XXXX XXXX ( Acct # XXXX ) contradictory remarks, balance errors, improper charge-off coding. 

XXXX XXXX ( Acct # XXXX ) duplicate accounts, improper {$0.00} balance charge-off, inconsistent payment history. 

XXXX XXXX ( Acct XXXX XXXX XXXX conflicting statuses and amounts owed. 

XXXX XXXX XXXX Acct # XXXX ) closed account improperly derogatory, inconsistent payment data. 

XXXX XXXX XXXX ( Acct # XXXX ) conflicting repo remarks, duplicative reporting, misleading balance. 

XXXX ( Acct # XXXX ) triple reporting with contradictory statuses and balances. 

Violations & Damages These accounts represent XXXX distinct violations, entitling me to {$19000.00} in statutory damages. 

Demand for Action Delete or correct these tradelines within 30 days.

Provide the name, address, and phone number of each furnisher. 

Issue me an updated corrected credit file. 

Failure to comply will result in CFPB complaints, FTC escalation, and private legal action.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts on my credit file dated XX/XX/year>. These entries violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) ). 

Accounts in Dispute Self/Lead Bank ( Acct # XXXX ) duplicate entries, conflicting balances, misreported payment history. 

XXXX XXXX ( Acct # XXXX ) contradictory remarks, balance errors, improper charge-off coding. 

XXXX XXXX ( Acct # XXXX ) duplicate accounts, improper {$0.00} balance charge-off, inconsistent payment history. 

XXXX XXXX ( Acct XXXX XXXX XXXX conflicting statuses and amounts owed. 

XXXX XXXX XXXX Acct # XXXX ) closed account improperly derogatory, inconsistent payment data. 

XXXX XXXX XXXX ( Acct # XXXX ) conflicting repo remarks, duplicative reporting, misleading balance. 

XXXX ( Acct # XXXX ) triple reporting with contradictory statuses and balances. 

Violations & Damages These accounts represent XXXX distinct violations, entitling me to {$19000.00} in statutory damages. 

Demand for Action Delete or correct these tradelines within 30 days.

Provide the name, address, and phone number of each furnisher. 

Issue me an updated corrected credit file. 

Failure to comply will result in CFPB complaints, FTC escalation, and private legal action.

Company response to consumer: Closed with non-monetary relief