vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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:
I am a consumer attempting to fix my credit and am submitting this statement regarding my disputed accounts. I am requesting that these items be reviewed for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by bureau. 

CHARGED OFF Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX Date of Inquiry : XX/XX/XXXX LATE PAYMENTS : XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am unable to enroll my e-mail address, XXXX, with XXXX, on the Bank of America web site, to link with my checking account. I get the error : " Invalid email or number For security, certain mobile numbers and email addresses can't be used to enroll with XXXX. Landlines, international carriers and phone numbers also arent permitted. Enter a different contact to continue. '' I operate my own domain, XXXX. There is no security issue with it. Bank of America and XXXX are in error, and should allow my e-mail address to be registered.

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 2025-11-05 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The Fair Credit Reporting Act ( 15 U. S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: MD

Complaint narrative:
I want all my statements from this XX/XX/XXXX company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
I respectfully request verification and the accurate reporting of the following accounts. If any information can not be verified, I request removal of the accounts. 

CHARGED OFF XXXXXX/XX/XXXX XXXX, XX/XX/XXXX, {$0.00}XX/XX/XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$5300.00} XXXX, XXXX, XX/XX/XXXX, {$24000.00}XX/XX/XXXXXX/XX/XXXX, {$10000.00} XX/XX/XXXX XXXX, XX/XX/XXXX, {$580.00} INQUIRIES XXXXXX/XX/XXXX positive accounts listed. 

LATE PAYMENT XX/XX/XXXX XXXX XXXX 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 2025-11-05 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: MI

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXXXX/XX/XXXXOF XXXX, XX/XX/XXXX Late Payments : 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 2025-11-05 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : DEPT OF ED/XX/XX/XXXXXXXX, XX/XX/XXXX, {$6000.00} DEPT OF EDXX/XX/XXXXXXXX, XX/XX/XXXX, {$12000.00} XX/XX/XXXXXXXX, XX/XX/XXXX, {$1800.00} Inquiries : XXXX OF XXXX, XX/XX/XXXX EXPERIAN XXXXXX/XX/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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
I was charged a returned check fee for Acct ending in XXXX! They don't show in the activity action! They hide it deep in the statements. I linked the right account but this bank 's poor system didn't process it right and the wrong bank was linked instead! This lead to a returned check fee of {$7.00}! They need to reimburse me for this and any other fees! This wasn't my fault! I already paid my balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DC

Complaint narrative:
I am disputing the following charged-off accounts due to discrepancies in the reported balances and dates, and I request their immediate investigation and correction. 

XXXX, XXXX, XX/XX/XXXX, {$580.00} This account shows an inaccurate balance that does not reflect my current payment history. Please investigate and correct the balance or remove it if unverifiable under FCRA XXXX. 

XXXX, XXXX, XX/XX/XXXX, {$950.00} The reported balance is incorrect. Request verification or deletion under FCRA XXXX ( b ). 

XXXX, XXXX, XX/XX/XXXX, {$450.00} The date and balance for this account are disputed, and I request documentation to support these claims as per FCRA XXXX. 

XXXX, XXXX, XX/XX/XXXX, {$970.00} XXXX dispute this account 's accuracy and request verification in compliance with FCRA regulations. 

XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} This account shows as charged off, yet the balance is reported as XXXX, which is inaccurate. I request verification under FCRA XXXX. 

XXXX OF XXXX, XXXX, XX/XX/XXXX, {$39.00} This charge-off is inaccurate and not reflective of my true payment history. Please investigate under FCRA XXXX. 

XXXX XXXX, XXXX, XX/XX/XXXX, {$2400.00} Discrepancies exist with the reported balance. Please investigate for potential inaccuracies under FCRA regulations. 

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} This charged-off account does not reflect any actual balance and requires immediate correction or removal under FCRA XXXX XXXX b ). 

XXXX, XXXX, XX/XX/XXXX, {$3600.00} This account appears to have outdated and inaccurate reporting. I request a review under FCRA XXXX. 

XX/XX/XXXXXXXX, XX/XX/XXXX, {$0.00} This balance is incorrect and should be investigated and corrected under FCRA XXXX. 

INQUIRIES : The following inquiries are disputed as they do not reflect my authorization or were reported inaccurately : XXXX XXXX, XX/XX/XXXX Unauthorized inquiry. 

XXXX XXXX, XX/XX/XXXX Unauthorized inquiry. 

XXXX, XX/XX/XXXX No authorization for this inquiry. 

XX/XX/XXXX XX/XX/XXXX I did not authorize this inquiry. 

I request that these inquiries be investigated and removed if they can not be properly verified. 

LATE PAYMENT XX/XX/XXXXXXXX I dispute the reported late payment, which is not accurate. 

XXXX, XXXX Incorrect reporting of a late payment. 

XXXX, XXXX Late payment reporting is inaccurate. 

XX/XX/XXXXXXXX, XXXX Inaccurate reporting of a late payment. 

XX/XX/XXXXXXXX This late payment is incorrect. Please verify. 

XXXX, XXXX The reported late payment is disputed.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
DEAR JPMCB CARD : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. XXXX ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA XXXX ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA XXXX ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA XXXX ( b ) and XXXX ( b ) as well as FDCPA XXXX ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to enroll my Wellsfargo checking account with XXXX. I always get the error " We couldn't enroll XXXX. Please try again later. '' Wellsfargo blames XXXX for the problem, which is a third party, and told me to contact XXXX. XXXX doesn't offer direct to consumer contact, except for scams. Their site specifically states that I need to talk to my financial institution for enrollment issues. 

I thus have no insight as to what the problem might be, or how to resolve it.

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 2025-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
Complaint Against Franklin Financial for Illegal Reporting of Sold and Charged-Off Debt on a closed account. 
I am submitting this complaint regarding Franklin Financial, which is continuing to report updates on a charged-off and sold account that they no longer own. 

The account in question was charged off and closed by Franklin Financial. According to my credit report, this account is still being updated as if it remains under their ownership, even though the debt was sold to a third party. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), furnishers of information are required to provide accurate and truthful data. Reporting updates on an account that has been charged off and sold is both inaccurate and misleading. 

Once a creditor sells a debt, they relinquish all rights to that account, including the right to continue updating or modifying it with the credit bureaus. This continued activity misrepresents the true ownership of the debt and damages my credit standing by falsely implying that I have an active relationship or obligation with Franklin Financial.

This behavior may also violate the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ) for misrepresenting the character, amount, and legal status of a debt. 
My XX/XX/XXXXwas Increased XXXX points and thats same amount of points were decreased after this companys update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

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/XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX BANK XXXX ] Account Number : [ XXXX ] Creditor Name : XX/XX/XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( 15 U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. XXXXb ) Pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
XXXX SECTION XXXXb IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. XXXXb ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
XXXXi.

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 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LD Holdings Group, LLC
State: AR

Complaint narrative:
XX/XX/XXXX I am disputing the payment history reported by Loan Depot for my mortgage. The account inaccurately shows seven separate 60-day late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is incorrect. 
I was only one payment behind during the XXXX XXXX XXXX period and made every monthly payment. I was never more than 30 days late after the initial missed payment. Loan Depots own payment history shows that payments were made each month. ( I have attached Loan Depots payment history for proof ) * * It says I deleted the payment for my XX/XX/XXXX in the Loan Depot payment history, but I never deleted any payment. I paid online, and somehow the system glitched. I was not made aware of this glitch and later got an email that notified me that the payment did not go through, and at that point, it was marked late. However, the 60-day late is also inaccurate for XX/XX/XXXX, as you can see in the statements. 
Please correct this reporting to reflect only the single 30-day late payment in XX/XX/XXXX and remove the six ( plus the XX/XX/XXXX ) inaccurate 60-day late notations, as required by the Fair Credit Reporting Act for accurate reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This account has been fully paid, yet it continues to show late payment notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : EQ : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation