vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting a complaint against Experian for continuing to report inaccurate information on my credit report, even after multiple disputes and supporting documents were submitted. 

A XXXX  XXXX account that was previously removed has been reinserted without notifying me, in violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

A XXXX auto loan, which I fully paid off, is still reporting late payments. I sent Experian a copy of the vehicle title as proof, but they have ignored it. 

A charge-off from XXXX XXXX XXXX XXXX is being reported without validation, despite previous disputes. 

Experian has failed to reinvestigate these matters properly and continues to harm my credit with unverifiable or outdated information.

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 2025-06-23 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2025 I called because there was a extra XXXX on my balance the lady ignored that statement and preceded to tell me I owed XXXX $ and some change. I explained to the lady that every month for a few years I start with a ZERO balance. She ignored that with some rhetoric. I asked for a breakdown and explanation and a manager. I received Nada Nothing. So, I'm disputing an incorrect charge on my credit card. I pay my balance in full every month and should begin with a zero 0 $ balance, but my current statement shows otherwise ( online ). I escalated this with the bank as previously stated and their explanation was vague and inconsistent. They also made concerning statements suggesting I don't start each month with a zero balance, which contradicts my personal payment history. I requested a full breakdown but they haven't resolved the issue. What I want : A corrected account balance, a full explanation of the charges and confirmation that my account is functioning as expected with a zero monthly reset when I pay in full. they give you four options when making a online payment : 1 ) min. payment due. 2 ) last statement balance. 3 ) Outstanding balance. 4 ) other.... I always choose outstanding balance. thank 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX house ct XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 


I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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 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. 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 Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS XXXX XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX CAP XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX CAP XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00XXXX XXXX  - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UPSTA/FINWSE - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HireRight Solutions, Inc.
State: CA

Complaint narrative:
I was a driver for XXXX, and my account was deactivated based on unverified customer complaints. XXXX did not provide me with any factual evidence, documentation, or formal investigation results to support the reason for deactivation. I was never informed of any violations or given an opportunity to respond to any claims. 

This deactivation information was included in a background report prepared by HireRight and shared with XXXX through the XXXX XXXX XXXX XXXX. As a result, my standing with XXXX has been negatively affected. 

I disputed this inaccurate information with HireRight on XXXX XXXX XXXX requesting a reinvestigation and removal or correction of the unsubstantiated claim. I also asked for any documentation or proof supporting the reported safety-related incident. 

XXXX confirmed that they do not provide specific details and that disputes must be handled directly with HireRight. 

Despite my dispute, HireRight has not corrected the report or provided evidence of a proper investigation, leaving the inaccurate information in place. This has harmed my employment opportunities and reputation. 

I am requesting assistance to ensure that HireRight properly reinvestigates and corrects my background report according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute a fraudulent checking account reported by Chase Bank that was opened without my knowledge or authorization. I was recently made aware of this account through my consumer reports. I did not initiate or consent to the creation of this account and believe it may be the result of identity theft or fraud.

I have never maintained a checking account with Chase Bank. I am requesting a full investigation into this matter and immediate removal of any related information from my credit report and banking profile, including XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

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 ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$980.00}, XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180.00}

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and was approved for financing. After signing the deal, I was aggressively pressured into unwanted warranty add-ons ( theft, tire, and appearance protection ) under threat that my deal would be canceled unless I agreed after approval had already occurred. This amounts to a bait-and-switch in violation of Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ) and Indiana Deceptive Consumer Sales Act ( IC 24-5-0.5 ).

After the sale, I was sent a Power of Attorney form, which I did sign but I included the phrase All Rights Reserved next to my signature. The dealership later returned it to me, asking that I have it notarized. This proves that even after the deal was finalized and I took delivery of the vehicle, they were still trying to piece together essential paperwork required to complete the title and registration. Their letter, signed by staff member XXXX XXXX, admits that their third-party title company couldnt complete the process without further buyer involvement. Despite this, my tags were never issued and I was pulled over three times even though I had already done everything they asked. 

To this day, they have failed to deliver the permanent registration and title leaving me pulled over by police three times due to expired tags. I had to personally transfer the title into my name through the Indiana XXXX and obtain a temporary plate at my own expense, while continuing to make payments on a vehicle they failed to properly register. 

On XX/XX/XXXX, I followed up with the dealership XXXX XXXX XXXX about my XX/XX/XXXX letter and concerns with two emails. After some time, I was directly contacted by a man named XXXX XXXX, claiming to be a court-appointed receiver for the dealership. He falsely accused me of being in breach of contract and threatened repossession despite the fact that the court order appointing him names me nowhere, and does not give him any authority to contact or intimidate individual customers. His conduct was recorded and constitutes consumer intimidation and harassment under both IC 35-45-2-2 and 720 ILCS 5/12-7.5.

Additionally, the dealership outsourced my title and registration paperwork to an undisclosed third-party title company without ever identifying them, disclosing this arrangement during the sale, or seeking my permission. After the deal was closed, I was contacted again and told that this third party now required my Power of Attorney to be notarized in order to complete the legal paperwork. I was never informed that my sensitive information or contractual documentation would be shared with or processed by an outside entity, and to this day, I do not know the identity of that company. This lack of transparency and unauthorized delegation of legal responsibility further undermines the legitimacy of the contract and violates my right to informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, ONLINE INFORMATION SER received my dispute letter requesting validation of the following account number XXXX. I asked them to verify a debt they claim I owe because I have never signed any agreement with this collection agency, nor have I received any correspondence regarding this alleged debt. I have never had an account with XXXX XXXX. My personal data was involved in XXXX XXXX data breach, and I have included my claim. Furthermore, after conducting research, I found that this alleged collection agency has a documented history of deceptive lending and collection practices. It is not my responsibility to have an unverified account remain on my credit report while you conduct an internal reviewespecially when no supporting documentation has been provided. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of information before reporting it. Continued reporting without proper verification constitutes a violation of my consumer rights under federal law. Under the Texas Finance Code, the debt collector must respond to my verification request -however, there is no evidence that they have complied with this requirement. I am demanding the immediate deletion of this account from all consumer reporting agencies. Continued reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). A True Bill has been attached outlining your violations, and payment is to be remitted to the address listed on the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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