vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
I woke up today and found an unauthorized inquiry on my credit report, and I have no idea why its there. This wasnt something I expected during my usual check, and it completely caught me off guard. I even refreshed my browser thinking it might be a glitch, but unfortunately, it wasnt. This has caused me a lot of stress, and Im urgently asking that the documents I provided be reviewed immediately so I no longer have to deal with this unnecessary worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have got a confirmation from XXXX that they will refund of {$5100.00}. 
I received each transaction refund reference numbers from XXXX. 
At that time, my bank issued a new debit card and they keep informing that they have no evidence of refund. 
It was happened on XX/XX/year> which is already over a year. 
I've spoke with bank and XXXX but both of them refuses to speak each other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TN

Complaint narrative:
The company failed to provide sufficient documentation to validate the debt and The company continued to report information that I disputed. 

I am disputing a XXXX XXXX account that continues to appear on my credit report despite being in dispute, with no contract provided, and questionable balance increases. XXXX is in bankruptcy and may no longer be furnishing this data. I have attempted to resolve this with XXXX and the bureau directly, with no success. The company has failed to provide a copy of the contract or explain the inflated charges. The account continues to report late payments, which is inaccurate, misleading, and damaging. I am requesting that this account be removed from my credit report or marked appropriately as Settled or Closed. If the creditor can not validate or no longer services the account, it should be deleted under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party company or agency. Please see my attached documentation as it contains my full complaint and request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
The Fair Credit Reporting Act ( XXXX XXXX Code 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-07-26 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 Fair Credit Reporting Act ( XXXX XXXX Code 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MOHELA
State: GA

Complaint narrative:
15 U.S. Code 1666b I am writing to formally dispute a late payment entry on my credit report that I believe to be inaccurate. The record in question pertains to a 90-day late payment reported by Mohela on XXXX, dated 90 days late. 
According to my records, this late payment was reported erroneously. Under 15 U.S. Code 1666b, I am entitled to dispute and request the correction or removal of inaccurate or incomplete information from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am filing a formal complaint regarding a JPMCB/Chase credit card account reporting on all three credit bureaus. The account is showing as charged off with a balance of {$5900.00}, exceeding the original limit of {$5000.00} an inaccurate and misleading reporting. 

I previously disputed this with the credit bureaus and requested validation and reinvestigation per my rights under the FCRA. However, no documentation has been provided, and the account continues to be reported despite : - Reporting a balance above the original credit limit ( 118 % utilization ), which is inaccurate and damaging - No available payment history, making it impossible to verify the status of the account - Failure to provide validation of debt or reinvestigation results within 30 days This account is causing severe harm to my credit profile and must either be verified with documented proof or immediately deleted. I am requesting the CFPB to step in and require JPMCB/Chase and the bureaus to either validate the account or delete it entirely.

Please confirm receipt of this complaint and provide a formal resolution. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS

Complaint narrative:
I am filing this complaint against Citizens Pay XXXX Citizens Bank N.A. for inaccurately reporting a charged-off line of credit ( Account # XXXX ) with a balance of {$2600.00} and a credit limit of {$2700.00}. The account is being reported to the credit bureaus as a derogatory charge-off without providing proper verification, chain of title, or ownership rights. 

Despite multiple requests for validation and method of verification, Citizens Pay has failed to provide any accounting statements, legal assignment records, or documentation proving the debt is lawfully collectible or accurately reported under federal law. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically concerning obligations to furnish accurate, complete, and verifiable information. 

This inaccurate reporting is harming my ability to obtain credit, and no resolution options or equitable remedies have been offered. Additionally, I suspect this account has been charged off, potentially sold, written off, or securitizedyet it remains on my report with no lawful basis for continued derogatory reporting. 

Citizens Pay has not responded to my mailed dispute letter in good faith, nor have they supplied the documents I requested. Their inaction constitutes willful noncompliance and bad faith under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a XXXX XXXX XXXX and not engaged in any XXXX  activity that would warrant a credit inquiry. Multiple unauthorized hard inquiries were made on my consumer report without my knowledge, consent, or any permissible purpose as required by 15 U.S. Code 1681b. 

I did not apply for credit with these companies, nor did I authorize any entity to access my consumer file. These inquiries were made in violation of federal law and my private status, and I have provided the credit bureaus with a notarized affidavit, a demand for deletion, and a fee schedule outlining damages. 

Despite my formal notices and affidavit, the inquiries remain, causing harm to my credit and violating my private rights. I am requesting that the CFPB intervene to have these inquiries permanently deleted and that the credit reporting agencies provide full accountability and remedy under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
I submitted a factual dispute to Equifax regarding an account on my credit file that contains multiple inaccuracies. In my dispute letter, I clearly pointed out specific factual errors such as incorrect dates, balances, and activity details that do not match my records. Despite this, Equifax has not taken any action to correct or remove the account. The inaccurate item still appears on my report, and I have not received any valid results or confirmation that a proper investigation was conducted. This lack of action violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a closed credit card account with Capital One with an outstanding balance of approximately {$4000.00} to {$4500.00}. Although the account was closed in XX/XX/year>2023, I continue to make automatic monthly payments, but I have no access to the online account portal.

Capital One has not provided any paper or electronic statements, and I have no way to track the balance, interest charges, or how my payments are being applied. I contacted their customer service multiple times through chat and phone, and they confirmed the account can not be reopened or accessed in any way.

I feel that I am paying blindly without transparency. I am concerned that most of my payments are going toward interest and that I will continue to be charged indefinitely without clear information.

I am requesting that Capital One : 1. Provide me with a current and detailed account statement ( by mail or email ), 2. Clarify how my payments are being applied ( interest vs principal ), 3. Inform me of the current payoff amount to settle the debt entirely.

Thank you for helping ensure Capital One complies with consumer financial protections and account transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my accounts that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the accounts with the late payment. According to legal requirements, I understand that an investigation or update of the accounts are mandated. Kindly review the listed accounts below that requires correction : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my accounts that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the accounts with the late payment. According to legal requirements, I understand that an investigation or update of the accounts are mandated. Kindly review the listed accounts below that requires correction : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
All 3 credit bureaus are refusing to report the following accounts as paid in full or current : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$370.00} XXXX XXXX ( auto loan account ) -bank is refusing to report the account current. Next payment is not due until XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have 8 letters to Experian in XXXX, and I believe 2 in XXXX. Experian is providing sham investigations, and it is outlined in the attached complaint that was made to the XXXX XXXX on XX/XX/XXXX. These sham investigation they completely ignore the letters submitted and assert that they are not sent by 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have 8 letters to XXXX  in XXXX, and I believe XXXX in XXXX. XXXX  is providing sham investigations, and it is outlined in the attached complaint that was made to the XXXX XXXXXXXX on XX/XX/XXXX. These sham investigation they completely ignore the letters submitted and assert that they are not sent by you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have 8 letters to XXXX  in XXXX, and I believe XXXX in XXXX. XXXX  is providing sham investigations, and it is outlined in the attached complaint that was made to the XXXX XXXX on XX/XX/XXXX. These sham investigation they completely ignore the letters submitted and assert that they are not sent by 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