vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
Ever since XXXX of XXXX, Ive been making monthly payments towards my XXXX card balance. Account number XXXX. But for some reason on my credit report its not showing my correct payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ever since XXXX of XXXX, Ive been making monthly payments towards my XXXX card balance. Account number XXXX. But for some reason on my credit report its not showing my correct payment history

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 2025-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was sent an email on XX/XX/XXXX that if I opened a savings account and deposited XXXX in new money for 90 days, I would be given {$100.00} bonus. I deposited XXXX from my external checking account into my BOA accounts and transferred it into my savings immediately. 
They are now saying that because the new money spent a moment in the checking before being routed into my savings that it does not count towards the XXXX new money requirement.

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 monetary relief
Consumer complaint received 2025-05-28 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 have disputed this account with the bureau and the furnisher multiple times. The account remains inaccurate due to unresolved errors and outdated information. I am requesting a full investigation and deletion due to reporting violations under the FCRA. 

- XXXX XXXX - Account # XXXX  - Charged-off, multiple late payments- XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX - Charged-off- XXXX XXXX XXXX - Account # XXXX XXXX Charge-offs- XXXX XXXX- Account # XXXX - One late payment- XXXX  - Account # XXXX - Paid charge-of

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 2025-05-28 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: TX

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reached several times to Equifax and Experian informing them that they have violated my privacy as well as did not provide any proof of validation of public records Now seeing that the courts do not send out public records and there was no proof that these public records they not only violated my privacy under Rule 9037 along with 15 US Code 1681b where I didnt give permissible purpose for this information to be even documented on my credit report. So it needs to be removed at once because its a blatant violation of my rights and privacy. No only that but it has caused me great harm. It has held me back in so many ways. This needs to be removed at once or Ill be calling my lawyer!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XXXX XXXX, I opened disputes totaling {$2200.00} due to an online merchant shutting down its ongoing service in a breach of its Terms of Service. The disputes were thus filed as " I didn't receive part/all of the merchandise/service ''. On XXXX XXXX, I provided all requested evidence ( receipts ), and additionally my own evidence laying out the situation, terms that were broken, other people experiencing the same issue, and evidence of other vendors the merchant worked with also not being paid. On XX/XX/XXXX, Capital One confirmed the claim was decided in the merchant 's favor. On XX/XX/XXXX, Capital One responded via email to my request for the evidence they used to decide against me. The evidence provided for siding against me was my bank statement for the month the purchases were made ( dispute was for merchant not providing services rendered ). To my mind, a bank statement can in no way prove a merchant did not provide a service that was paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TrueAccord Corp.
State: FL

Complaint narrative:
I am formally disputing an erroneous item on my credit report, as it does not reflect accurate or verifiable information. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), all credit reporting agencies and furnishers are legally obligated to report only accurate information. As this entry is demonstrably incorrect, I demand its immediate removal to prevent further harm to my credit profile. 


Creditor/Agency Name : TRUEACCORD CORPORATION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  I have no Knowledge of this account Under 15 U.S.C. 1681i ( a ) ( 5 ), any credit report item that is found to be inaccurate, incomplete, or unverifiable must be deleted. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) mandates that furnishers must correct erroneous information upon receiving notice. 

As required by 15 U.S.C. 1681i ( a ) ( 1 ), I expect a written resolution within 30 days from the date of this letter. If corrective action is not taken, I am prepared to escalate the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and seeking legal remedies if necessary. 

I appreciate your immediate attention to this matter and request written confirmation of the removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo deactivated my two accounts, and since then, I haven't been able to create a new account. My XXXX is also always restricted. When I contacted XXXX customer service, they said it's due to a dispute someone filed, but they can't do anything to help me send the money back. I've lost contact with the person involved. I even asked if I could deposit the money at a branch, but they said no. Without them unrestricting my XXXX, I can't create a new account, which is causing problems for me. I'm appealing to see if there's anything that can be done. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NE

Complaint narrative:
I am having many unauthorized accounts appearing on my credit report. I have tried multiples options to have these accounts be removed. I found out under the fcra that this is fraud and my rights as the consumer to dispute and demand all the accounts to be blocked from my account. These accounts has inquiries attached and some are not attached with accounts. I demand all theses accounts to be removed. 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 These creditors have not provided me with a signature document from 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 non-monetary relief
Consumer complaint received 2025-05-28 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: NE

Complaint narrative:
I am having many unauthorized accounts appearing on my credit report. I have tried multiples options to have these accounts be removed. I found out under the fcra that this is fraud and my rights as the consumer to dispute and demand all the accounts to be blocked from my account. These accounts has inquiries attached and some are not attached with accounts. I demand all theses accounts to be removed. 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 These creditors have not provided me with a signature document from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Complaint Statement for CFPB : I am submitting this complaint regarding a series of fraudulent debit card transactions totaling {$11000.00} that occurred between XX/XX/XXXX and XX/XX/year>. These transactions were made under duress, and I was the victim of an international extortion scam. 

I received a threatening phone call from an individual claiming to be a government representative, stating that if I did not comply and send money, my U.S. student visa would be revoked, and I would be expelled from the University of Minnesota. Fearing for my immigration status, I was coerced into purchasing large amounts of XXXX gift cards and making multiple ATM withdrawals using my debit cards ending in XXXX and XXXX. 

I filed an official police report with the University of Minnesota Police Department. The report ( GO # UM XXXX ) confirms that I was the victim of an extortion crime. The case has been investigated and documented, and I was advised by the police to contact my bank ( Chase ) to request reimbursement. 

Chase has denied my dispute request, despite the clear evidence of coercion and criminal activity. I am requesting CFPBs assistance to have this case re-evaluated and to help recover the funds taken under criminal threat. I have attached the police report for reference. 

Thank you for your time and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I paid XXXX XXXX XXXX in full and was promised of deletion removal from my credit report and I paid in full Southwest for XXXX and was promised to be at least reported and updated to the credit bureaus or removed and they failed tremendously forcing another family to be homeless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: KY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I paid this off in XX/XX/year> it has a XXXX balance, I reported this to experian, they checked with Elan/Fidelity and they show XXXX balance but is still reporting XXXX balanced and said that the information I owe is correct which is XXXX balance.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XXXX ; XXXX ; XXXX I have sent disput letters as well as disputes on line and some responses came backe verified but with no proof and no documents requested we ever sent back and was not removed from my profile.

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 2025-05-28 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: OH

Complaint narrative:
In XXXX ; XXXX ; XXXX I have sent disput letters as well as disputes on line and some responses came backe verified but with no proof and no documents requested we ever sent back and was not removed from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: IN

Complaint narrative:
On XX/XX/year>, I closed on my previous home at XXXX XXXX XXXX. GoodLeap had financed a HVAC install that took place for the home to sell. XXXX XXXX XXXX sent a check on my behalf in the amount of {$8300.00}, with the proceeds from the sale to close out the account. 

On XX/XX/year>. GoodLeap cashed the check, according to the bank and XXXX XXXX XXXX. The money was not accredited to my account with XXXX. 

On XX/XX/year>, I spoke with an employee of GoodLeap, explaining the situation. I was encouraged to get all the information ( copy of the check, account number, exact cost of the check, etc. ) and send to their Collections XXXX to investigate the matter further. 

On XX/XX/year>, I received this info from XXXX XXXX XXXX and I emailed GoodLeap this information. They confirmed that they got all the info, but could not provide me with a timeline in which the matter would be resolved. 

On XX/XX/year>, I asked for an update on the matter at hand and was told that my incident would be " escalated '' for further review. 

On XX/XX/year>, I was advised by a lawyer to put in a formal complaint on GoodLeap 's website for tracking purposes. 

On XX/XX/year>, I received an automated message from GoodLeap saying that my concern was " escalated '' and that I would hear from the company soon. 

On XX/XX/year>, I asked for an update through the collections email as to where we were in the process. I have not heard back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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