vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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 sent a formal dispute to Experian regarding several accounts appearing on my credit report that I do not recognize. I have strong reasons to believe these accounts resulted from identity theft. To support my dispute, I provided an identity theft report along with all required identification documents. However, despite submitting complete documentation and waiting beyond the investigation period, these fraudulent accounts are still being reported. Experian has failed to take proper corrective action or remove these accounts, even though the evidence clearly shows they do not belong to 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 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
am submitting this formal dispute regarding the account you are reporting under my name. You have requested documentation to support my claim that this account was reported late. I have already uploaded the necessary documentation through the CFPB portal so that the CFPB can review your actions and verify that your company is not in compliance with applicable federal and state laws. If Edfinancial fails to provide documentation verifying the accuracy and legitimacy of the alleged late payment through the CFPB portal, this will constitute a violation of the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. 
In accordance with the FCRA, if you can not verify this account or provide proof of the alleged delinquency, you are required to delete this account immediately from all credit reporting agencies. 
Failure to comply will result in further action and additional reporting to the appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Royalty Lending Financial Services Inc.
State: CA

Complaint narrative:
Not all exhibits and evidences are uploaded due to large files SUBMISSION BLOCK Subject : Request for Investigation & Restitution Royalty Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal ) Message to Agency : Please find my Universal Master Complaint & Request for Coordinated Investigation attached, including Exhibit Index and evidence. This matter spans Colorado, Texas, and California and involves royalty proceeds, tax mail interception, W-9/1099 irregularities, licensing/fee practices, and misuse of a Special Warranty Deed to control payments. 
I request restitution of misdirected royalties and improper fees, amended tax reporting, and enforcement as outlined in Section VI. 
I authorize your office to share this complaint with sister agencies for coordinated action. 
Complainant : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
This complaint concerns multiple unauthorized or questionable credit inquiries reported on my credit file. I am submitting this under FCRA 611 ( 15 U.S.C. 1681i ), which guarantees my right to dispute inaccurate information and request a proper reinvestigation. The inquiries listed below were not authorized by me, and I did not initiate any credit applications with these companies on the dates shown. Additionally, some appear to be duplicate inquiries from the same furnishers within a short time frame. The disputed inquiries include. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX These inquiries were not made with my knowledge or consent, and to date, I have not received any documentation confirming that they were authorized. Under FCRA 604 ( 15 U.S.C. 1681b ), credit inquiries must be made only with a permissible purpose, and in the absence of such purpose, they must be removed. Despite previously raising this issue with the credit reporting agency, a proper reinvestigation has not been conducted, and no verification has been provided.

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 2025-10-10 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: AR

Complaint narrative:
This complaint concerns multiple unauthorized or questionable credit inquiries reported on my credit file. I am submitting this under FCRA 611 ( 15 U.S.C. 1681i ), which guarantees my right to dispute inaccurate information and request a proper reinvestigation. The inquiries listed below were not authorized by me, and I did not initiate any credit applications with these companies on the dates shown. Additionally, some appear to be duplicate inquiries from the same furnishers within a short time frame. The disputed inquiries include. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX These inquiries were not made with my knowledge or consent, and to date, I have not received any documentation confirming that they were authorized. Under FCRA 604 ( 15 U.S.C. 1681b ), credit inquiries must be made only with a permissible purpose, and in the absence of such purpose, they must be removed. Despite previously raising this issue with the credit reporting agency, a proper reinvestigation has not been conducted, and no verification has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This complaint is a follow up to a previous complaint I submitted to you. The complain number was XXXX. I made a check payment for my BOA credit card at one of their branches far earlier than the due date. Apparently, they lost my payment check but they lied as my payment check was bounced, and they even charged a late fee. I checked with my bank, and my bank informed me they never received my check for the payment.

I requested BOA to give 'the returned check ', however, BOA has never sent me my payment check back to me. That means they lost my check, or they are keeping my check. This is a very serious crime banking activity. A bank must not hold a person 's check claiming the check was bounced. BOA made three unlawful banking activities. They did not notify the true statement to a public person. They made a false statement as my check was bounced. Thirdly, they lied to you as they resolved this issue with me. CFPB told me that 'the company sent its response directly to you and provided a copy to the CFPB ' If CFPB has got the copy of their response, please give me the copy of it. I have never received any documents from BOA after filing 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 2025-10-10 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:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
b'Despite multiple prior dispute attempts and evidence of fraud, the following negative accounts remain improperly listed on my credit report and must be immediately deleted to ensure compliance with federal law.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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo XXXX XXXX XXXX : Wells Fargo Bank , N.A . 

I am filing this complaint because Wells Fargo has charged me multiple overdraft fees and has refused to offer any assistance or hardship relief despite my current financial circumstances. 

I am a XXXX XXXX who XXXX  for XXXX in XXXX  XXXX. Due to recent financial hardship and inconsistent earnings, my checking account ( ending in XXXX ) became overdrawn. I contacted Wells Fargo customer service to request a courtesy refund of the overdraft fees and a temporary pause on daily overdraft charges while I work to bring the account current. 

Despite explaining my situation, the representatives I spoke with declined to offer any assistance, relief options, or repayment arrangements. As a result, the account continues to accrue daily overdraft fees, making it nearly impossible to recover and forcing me deeper into financial distress. 

I am asking Wells Fargo to : Reverse recent overdraft fees that have worsened the negative balance. 

Stop adding new fees while I stabilize my income. 

Allow me to bring the account back to a XXXX balance without penalty. 

I have been a customer for several years and am acting in good faith to resolve this. I believe the banks unwillingness to provide any temporary hardship assistance or repayment options is unreasonable given my circumstances. 

Requested resolution : Refund overdraft fees and remove any new daily charges while I bring the balance to zero.

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 2025-10-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-10 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: FL

Complaint narrative:
I am writing to dispute the accuracy of the payment history reported for the following account on my credit report : Account Name : XXXX Account Number : XXXX The payment history on this account is inaccurate, as the reported dates or late payments do not reflect the correct payment record. This is a violation of 15 U.S.C.

1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-10 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:
PLEASE BLOCK AND REMOVE. 
This incorrectly reported account should be removed without delay. I did not provide consent for it. Evidence is attached.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-10 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: NJ

Complaint narrative:
I disputed accounts from XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX and XXXX XXXX. All accounts failed to produce ownership documents or itemized validation, yet TransUnion continues to show them as verified.

This is a violation of FCRA 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ). Reporting unverifiable data after consumer disputes is unlawful.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out regarding several accounts on my credit report that are not only inaccurate but also unverifiable, and I am requesting their permanent deletion. 
The account XXXX BANK XXXX  XXXX is reported as charged-off with a balance of {$0.00}. To my knowledge, I have fully satisfied any obligations associated with this account, and there is no valid reason for it to appear as a charged-off item. Similarly, XXXX XXXX XXXX XXXX is listed as a charged-off account, but I never received proper verification of any outstanding debt, and the reporting lacks the documentation required by law. 
Additionally, XXXX CARD XXXX  XXXX appears twice, with balances of {$2600.00} and {$2900.00}. I have never received any Form XXXX or proof of the debt above {$600.00}, which is a legal requirement. These entries have caused me significant stress and have negatively impacted my ability to access credit fairly, even though I have been diligent about my obligations. 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information that is incomplete or inaccurate, and you are required to investigate and remove unverifiable items. FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires that all reported information be accurate, and FCRA 605B 15 U.S.C. 1681c-2 allows for the permanent removal of unverifiable information. These accounts fail to meet these legal standards and should be permanently deleted from all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My account was permanently limited on XX/XX/year>. PayPal stated they did a review and claimed I had fraud on my account. There was no fraud, no indication of fraud. They never provided and proof of fraud, no disputed transactions. PayPal wrote me a letter saying that my funds would be released in XXXX. Their User Agreement also says funds should be released after XXXX  days. It has almost been XXXX  XXXX  and they still wont release my funds or take the account out of limited status. They are holding my money with no valid reason. I am struggling to pay my bills because PayPal wont release my money. Ive contacted PayPal they tell me they have no other support since the XXXX has already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive been a long time customer with Chase currently maintain active checking and savings accounts with them. I applied for the chase freedom XXXX card ( reference number : XXXX ) on XX/XX/year>, and received an online notice asking me to provide my driver license in order to verify my date of birth and my physical address. I faxed them a copy of my driver license. They still denied my application. And Ive also received notice from Chase warning me to take action for identity theft. What action am I supposed to take if I am the one applying for the card. I want to know why Chase can not verify my identity when Ive been a customer for so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: IL

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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