vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
I am reporting inaccurate accounts appearing on my credit file that do not belong to me. These accounts are the result of either identity theft or a mixed file error caused by someone with a similar name and/or address.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-05 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-09-05 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, GA XXXX Experian Information Solutions XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Re : Request for Deletion of Unverified Account XXXX XXXX XXXX XXXX ( {$14000.00} Charge-Off ) To Whom It May Concern : I am writing to notify you of the results of my recent investigation with XXXX regarding the disputed XXXX Employees XXXX U charge-off in the amount of {$14000.00}. 
On XX/XX/XXXX, XXXX completed its investigation and deleted the account in its entirety from my credit file, as the furnisher was unable to verify the information. Since XXXX determined that the account could not be verified and deleted it, you, as a nationwide consumer reporting agency, must also take the same action. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item of information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete that item of information from the consumers file.

15 U.S.C. 1681c-2 ( a ) Information resulting from identity theft or unverifiable accounts must be blocked and removed upon proper notice.

15 U.S.C. 1681n & 1681o Failure to comply with these requirements subjects a credit reporting agency to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 
Since XXXX has already deleted this account for being unverifiable, you are now on notice that continuing to report this account on my credit file is inaccurate and unlawful. Therefore, I demand that Equifax, Experian, and TransUnion delete this unverifiable account within 30 days or less in accordance with the FCRA. 
If you fail to delete this account, you will be in direct violation of federal law, and I will have no choice but to pursue all remedies available to me, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action under the FCRA for damages. 
Please send me a written confirmation and an updated copy of my credit report once this account has been removed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX To : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, GA XXXX Experian Information Solutions XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Re : Request for Deletion of Unverified Account XXXX XXXX XXXX XXXX ( {$14000.00} Charge-Off ) To Whom It May Concern : I am writing to notify you of the results of my recent investigation with XXXX regarding the disputed XXXX Employees XXXX U charge-off in the amount of {$14000.00}. 
On XX/XX/XXXX, XXXX completed its investigation and deleted the account in its entirety from my credit file, as the furnisher was unable to verify the information. Since XXXX determined that the account could not be verified and deleted it, you, as a nationwide consumer reporting agency, must also take the same action. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item of information is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly delete that item of information from the consumers file.

15 U.S.C. 1681c-2 ( a ) Information resulting from identity theft or unverifiable accounts must be blocked and removed upon proper notice.

15 U.S.C. 1681n & 1681o Failure to comply with these requirements subjects a credit reporting agency to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 
Since XXXX has already deleted this account for being unverifiable, you are now on notice that continuing to report this account on my credit file is inaccurate and unlawful. Therefore, I demand that Equifax, Experian, and TransUnion delete this unverifiable account within 30 days or less in accordance with the FCRA. 
If you fail to delete this account, you will be in direct violation of federal law, and I will have no choice but to pursue all remedies available to me, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating legal action under the FCRA for damages. 
Please send me a written confirmation and an updated copy of my credit report once this account has been removed. 
Sincerely, 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 2025-09-05 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filling a complaint against capital one regarding the deceptive practices related to their XXXX yield interest savings account capital one misrepresented the XXXX savings account of the nation 's highest interest rate yet failed to notify account holders about the superior rates offered by the XXXX performance savings account this deliberately obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many breaching cfpb act and the truth in savings act i see redress for the misleading practices and failure to fulfill their

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX {$190.00}

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid a worker {$1000.00} for their services. On XX/XX/year>, shortly after I made the first transfer of {$1000.00}, Chase sent me an email stating that the transaction was unsuccessful and that the payment had been canceled. ( original email in attachment ), I took the email very seriously and trusted its content. Because of that, I used another account to pay the worker another {$1000.00}. 

As a result, the worker received XXXX payments of {$1000.00} and then disappeared, and I have been unable to reach them since. What confuses me most is why the email stated that the payment had been canceled, yet in the end the first transfer still went through. If Chase had not sent this misleading email, I would not have made the second payment. 

Given these circumstances, I believe the responsibility should be shared equally between both parties. Therefore, I respectfully request that Chase compensate me for 50 % of the loss, which amounts to {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Zions Debt Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, Re : Cease and Desist Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally request that you cease and desist all collection activities and communications related to the above-referenced account. 

This account is not mine. I do not have any knowledge of or connection to this account, and I dispute any association with it. Therefore, you are to immediately stop all attempts to contact me regarding this matter. This includes phone calls, letters, emails, or any other form of communication. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me regarding a debt I do not owe. Furthermore, continuing to pursue collection on an account that does not belong to me may constitute a violation of the FDCPA and other applicable laws. 

If you believe this account is legitimately associated with my name, you are required to provide proper written validation of the debt, including detailed documentation proving ownership and responsibility. 

Otherwise, I expect immediate written confirmation that this account has been closed or removed from your system under my name and that you will cease any further contact regarding this matter. 

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

Sincerely, XXXX XXXX Signature : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Upon reviewing my credit report. I notice a late payment and inquiries listed on that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate reporting

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 2025-09-05 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: CT

Complaint narrative:
Upon reviewing my credit report. I notice a late payment and inquiries listed on that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 non-monetary relief
Consumer complaint received 2025-09-05 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: IL

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 2025-09-05 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: A&D Mortgage LLC
State: CA

Complaint narrative:
XXXX ) on XX/XX/XXXX rpt # XXXX i dis XXXX late for XX/XX/XXXX & it was removed. XXXX late was reinserted with no notification. 
XXXX ) on XX/XX/XXXX rpt # XXXX i dis XXXX late for XX/XX/XXXX & it was removed. XXXX late was reinserted with no notification. 
XXXX ) on XX/XX/XXXX rpt # XXXX i dis XXXX late & it was removed. XXXX late was reinserted with no notification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CT

Complaint narrative:
Upon reviewing my credit report. I notice a late payment and inquiries listed on that I believe is inaccurate. I have maintained on time payment and do not have documentation showing that this payment was legitimately 30 days late. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence I am asking that the record you updated to reflect accurate reporting

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 2025-09-05 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: MN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Request for Clarification Regarding Bank Statement Verification XXXXSent XXXX XXXX XXXX From XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX  I understand that youve requested an unaltered bank statement to verify my account. Ive submitted documentation directly from XXXX XXXX, and I would appreciate clarification on your review process. Specifically : Could you provide evidence or explanation indicating that the submitted bank documents were altered? 
Alternatively, would you prefer that XXXX send you an official statement or proof of authenticity directly? 
If your verification process requires confirmation from the issuing bank, I strongly recommend that future requests for authentic documentation be directed to the financial institution itself. This ensures accuracy, transparency, and avoids unnecessary delays. 

Please advise on how best to proceed so we can resolve this matter promptly. 

Regards, XXXX Next time you need authentic proof of my bank account I suggest you contact the Bank in question directly to verfi and confirm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Last year I placed a stop payment for XXXX XXXX in the amount of {$400.00}. Wells Fargo stopped payment on two checks for my rent in the amount of {$400.00} each. As a result I was hit with {$220.00} in fees through my rental office. I have the documentation. I believe Wells Fargo should pay these fees back because they stopped payment on the wrong checks.

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