vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
Hello, I wanted to file a complaint about recent disputes that I filed with Equifax regarding a XXXXXXXX XXXX XXXX  account that is reporting to all 3 credit bureaus. This account was included in a XXXX XXXX  bankruptcy that I filed in XX/XX/XXXX and was discharged in XX/XX/XXXX. Since my bankruptcy discharge, I have not had any late payments or delinquencies of any kind. I filed a dispute in XX/XX/XXXX with Equifax asking that they add that account status of " included in bankruptcy '' to my XXXX account. They did add it, but once they did, it showed up as a new delinquency to this account in XX/XX/XXXX and affected my XXXX score with Equifax because now lenders think I have a delinquency 1 month ago. 

I then filed a second dispute with Equifax, saying, " This is very inaccurate and misleading, I did not have a delinquency in XXXX XXXX, can you please update this or remove this account from my credit report since it is reporting inaccurate information? '' They just came back with an answer to the second dispute, and now it is even worse, showing on the XXXX account on my credit report that the XXXX major delinquency reported date is XX/XX/XXXX. 

I recently filed a dispute with XXXX XXXX XXXX XXXX for this very same instance with my old XXXX account, and they removed the account entirely from my report, determining that the information reported by XXXX  was inaccurate and misleading. This inaccurate reporting is adversely affecting my credit score and raising a red flag to potential lenders. I am looking to apply to refinance my car loan soon and I don't want them to be asking why I have a reported delinquency from 1 month ago. 

I have included a copy of my FICO score summary to show how this recent delinquency with XXXX is negatively affecting my payment history, which is a huge part of my credit score. Also, attached a screenshot of the most recent delinquency being reported on MyFICO of 1 month ago. As well as a copy of the dispute resolution with XXXX, where they removed the XXXX account from my report in its entirety, as well as the most recent dispute reults from Equifax, where you can see in the included credit report that the XXXX account is showing a delinquency as occurring in XX/XX/XXXX. And lastly I included a copy of my bankruptcy discharge paperwork showing the date of discharge and that this XXXX account was included in it. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
While I was working as a XXXX  at XXXX in XXXX Florida I had XXXX deposits. My account was flagged for suspicious activity and XXXX was frozen on XXXX of XXXX I called chase bank XXXX XXXX as there is absolutely no fraud and XXXX willing to assist in any way with investigation. Its been over XXXX months now and they said that they can not provide information and or that they we just waiting on final sign off to release my funds. I am no longer a XXXX and them holding my XXXX XXXX XXXX for XXXX months now is unjust and causing immense XXXX XXXX XXXXn my life. 
I have not been provided with any clear update with them. There is no possibly of there being any incidence of fraud. XXXX willing assist with their investigation and answer any questions yet they fail to ask me anything and dont even tell whats actually being investigated. Thank you for your any help or any advice you can give me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Subject : Complaint Regarding Experians Failure to Respond to Dispute Within 30 Days Dear CFPB, I am filing this complaint against Experian for failing to respond to my dispute within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I mailed a formal dispute via Certified Mail to : Experian XXXX. XXXX XXXX XXXX, TX XXXX The dispute concerns a medical collection account reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account Number : XXXX In my dispute, I provided clear evidence that this collection account does not belong to me. Despite receiving the dispute, Experian failed to respond within 30 days, as required by law. This constitutes a violation of my rights under the FCRA. 

Additionally, this same account was fully investigated and deleted from both XXXX  and XXXX, confirming it is inaccurate. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency is required to delete information that is found to be inaccurate or can not be verified. Since the medical collection account has been investigated and deleted by both XXXX and XXXX, it must also be removed by Experian to comply with the FCRA. 

I have attached proof of these deletions along with my certified mail receipt showing timely delivery to Experian. 

Requested Resolution : I respectfully request that the CFPB : 1. Investigate this matter and require Experian to delete this inaccurate medical collection from my credit report 2. Ask Experian to provide you ( the CFPB ) with a copy of the dispute I submitted on XX/XX/year>, along with any supporting documentation I included. 



Thank you for your time and assistance.

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 2025-06-06 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: Alorica Inc.
State: OH

Complaint narrative:
In early XXXX, I began the process of applying for a home equity loan and discovered a derogatory account from SSTXXXX was severely affecting my credit. I immediately disputed the account with XXXX  ( Dispute # XXXX ), requesting full validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This was actually the second dispute I filed the first was ignored or inadequately addressed, which forced me to escalate the matter. 

The second investigation concluded on XX/XX/year>, with XXXX  stating the information was verified as accurate. However, the only documents SST has ever sent are recycled billing summaries and screenshots from XXXX, with no signed agreement authorizing SST to collect, no bill of sale, and no chain of assignment proving SST legally owns the debt. SST also required me to log into a secure portal to access documents, which is a deceptive practice that forced me to accept terms just to view basic information. 

Because of this unverifiable reporting, Ive been unable to access over {$100000.00} in equity in my home since XX/XX/year>. This has caused real financial damage, stress, and delays, despite my repeated and documented attempts to resolve the matter. I am demanding full deletion of this tradeline and financial compensation for the resulting harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
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. I am filing this FTC Identity Theft Affidavit to report XXXX  fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a collection opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collection opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-06 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 filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a revolving account opened at XXXX XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX on XX/XX/XXXX under the XXXX, a revolving account opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX, and an installment account opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Private Case Number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-06 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: GA

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 2025-06-06 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing regarding a charge-off account in the amount of {$19000.00} from XXXX XXXX  XXXX that was previously reported on my XXXX secondary credit report. 

I formally disputed this account with XXXX. As a result of their investigation, which was completed on XX/XX/year>, XXXX permanently deleted the account from my file due to its inability to be verified. 

This deletion confirms that XXXX and any associated data furnishers failed to provide verifiable and accurate information as required under the law. Therefore, Experian, Equifax, and TransUnion are legally obligated to take the same action and remove this unverifiable entry from my credit reports immediately. 

Under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete any information that can not be verified within 30 days of a dispute. Further, continued reporting of unverifiable or inaccurate information after notice of its deletion by another nationwide CRA may constitute willful noncompliance and negligence under 15 U.S. Code 1681n and 1681o, exposing the agencies to civil liability. 

If this unverifiable account is not removed within XXXX  days or less, I reserve the right to take further legal action, including filing complaints with the Consumer Financial Protection Bureau, my State Attorney General, and pursuing civil litigation for willful noncompliance, emotional distress, and damages pursuant to the FCRA. 

Please consider this formal notice to remove the XXXX XXXX XXXX account immediately and confirm deletion in writing. 

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 2025-06-06 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: MS

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$400.00} Date Opened : XX/XX/XXXX Payment Status : Current Late Days : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX Payment Status : Late XXXX Days XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - 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 2025-06-06 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: MS

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$400.00} Date Opened : XX/XX/XXXX Payment Status : Current Late Days : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX Payment Status : Late XXXX Days XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: GA

Complaint narrative:
My credit report shows a collection account reported by your agency. However, I was never properly notified of this alleged debt prior to its reporting. Furthermore, I do not believe this debt to be accurate or valid. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request and receive full validation of the debt, including detailed documentation proving that I am responsible for this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of a scam involving impersonation of a federal agent. A scammer contacted me, from the certified Wells Fargo customer service number, claiming to be from the bank and FBI, he told me that my Wells Fargo account was being used for criminal activity. I was instructed to cooperate with their investigation by withdrawing {$8700.00} from my Wells Fargo account and depositing it into an external account provided by them. Believing I was assisting law enforcement, I followed their instructions. I now understand this was a scam. 

I reported the incident to Wells Fargo and XXXX XXXX, but they have refused to help, stating that the transaction was authorized. However, it was clearly the result of psychological manipulation, coercion, and impersonation of a government official a serious and increasingly common form of fraud. 

I have filed a police report, reported the scam to the FBIs Internet Crime Complaint Center ( IC3 ), and submitted a report to the FTC. I am asking the CFPB to help hold Wells Fargo accountable in this matter and to help me recover my funds.

This experience has been incredibly traumatizing. Im requesting a full investigation and for the bank to re-review the case given the nature of the scam.

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