vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am submitting this complaint as a follow-up regarding ongoing inaccurate and fraudulent information on my TransUnion credit report. Despite my prior dispute and TransUnions response, the following issues remain unresolved : TransUnion continues to report inaccurate payment history and account information that I have formally disputed under the Fair Credit Reporting Act ( FCRA ). 
They declined my fraud block request citing payment history and account open dates but failed to conduct a proper reinvestigation or validate the debt with the furnisher. 
I have requested strict documentation and validation of the debt, including proof of authorization and accurate payment records, but TransUnion has not provided this. 
The continued reporting of inaccurate and unverifiable information is harming my creditworthiness and financial wellbeing. 

Please note that I am a veteran, and the continued inaccurate reporting has caused significant financial hardship. I request that my rights under the Servicemembers Civil Relief Act ( SCRA ) and related protections be considered in your investigation. 

Furthermore, I have provided evidence that my personal information was exposed in XXXX critical data breaches, including passwords and login information. This has resulted in inaccurate and fraudulent reporting on my credit file, including incorrect addresses and accounts linked to places I have never lived or been. All such fraudulent and inaccurate information must be thoroughly investigated and immediately removed. 

I request that the CFPB investigate TransUnions failure to meet its obligations under 15 U.S.C. 1681i, and require TransUnion to : XXXX. Conduct a reasonable reinvestigation of the disputed accounts with strict validation from the furnisher. 
XXXX. Provide documented proof validating the debt, including payment history, authorization, and any related inquiries. 
XXXX. Immediately delete or correct any inaccurate or unverifiable information. 
XXXX. Notify me of the results of their reinvestigation and any corrections made. 

Please be advised that failure to comply with these requirements will leave me no choice but to pursue legal action to enforce my rights, including seeking damages and injunctive relief under applicable federal and state laws. 

This ongoing failure to comply with federal law has caused me significant harm, and I seek the CFPBs enforcement to protect my rights and ensure accurate credit 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 2025-10-08 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: FL

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 2025-10-08 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XXXX XXXX I ( XXXX XXXX XXXX ) decided to purchase a boat. The contracts were signed and the seller requested a 10 % Deposit of {$54000.00}. The broker, XXXX XXXX XXXX sent over their wire instructions and told me to transfer the deposit into their escrow account. I verified the information, stayed in contact with all parties, and proceeded to transfer the funds via wire transfer. The Transfer went from my Business Account ( XXXX XXXX XXXX XXXX via XXXX XXXX ) to the escrow account of the Broker ( XXXX XXXX XXXX Escrow Account via Wells Fargo ). The transfer was performed on XXXX XXXX XXXX. To this day, the broker has not received the wire transfer. After waiting 3 days, my lawyer has advised me to recall the wire thru my bank. XXXX  XXXX ( My bank ) has initiated the wire recall on wednesday ( XXXX XXXX XXXX ). The XXXX XXXX Recall case number is ( # XXXX ). Wells Fargo responded to XXXX XXXX stating that the bank does have the money but is holding the funds and will not provide any further information. After speaking to the broker, they advised me that they never received the funds and that their bank is not even giving them any information. To this day neither I or the receiving party has received the funds. Wells Fargo keeps holding the funds with no communication. We need the {$54000.00} returned to our account so that we can continue with the transaction.

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 2025-10-08 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: NY

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX - Credit Card - Date opened : XX/XX/XXXX XXXX FIN - Auto Loan- Date opened : XX/XX/XXXX XXXX  XXXX - Account Number : XXXX Credit Card- Date opened : XX/XX/XXXX XXXX  XXXX - Account Number : XXXX Credit Card - Date opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - Collection- Date opened : XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX U.S. Code XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX U.S. Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX, my XXXX account was accessed by someone I do not know. 
Many packages from XXXX arrived at my home with items that I did not order. 
The charges were applied to my XXXX Chase card ending in XXXX Several purchases were made in the amounts of : XX/XX/XXXX, {$18.00} XX/XX/XXXX, {$730.00} {$800.00} {$690.00} {$320.00} XX/XX/XXXX {$10.00} I contacted Chase and XXXX about these unauthorized purchases on a daily basis. 
We closed the card out immediately. 
After talking with someone at XXXX and Chase daily through messages that I still have, plus chat and phone, the problem was resolved, and the unauthorized charges were removed. 
I tried to return all of the packages to XXXX, and they eventually told me to just donate them because I did not authorize the purchases. They would not send me any return authorizations. So I donated the unwanted hand vacuum, toy karaoke machines, neon signs, and a digital calendar to the local thrift shops. 

I thought all was resolved. But no. I just received a letter from Chase card services yesterday stating that they investigated the case I am responsible for many of the unauthorized purchases. 

XXXX closed my account, and we created a new one just days after the issue was resolved. 
I paid my Chase card off just a few days ago, and this morning the balance was over {$1800.00}! 
I have all of my documents to support my claim. 
Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am very disappointed in Discover after not being able to resolve my issues with amounts being taken off my account that was not authorized by me. Because of this, I tried to resolve the credit that I own by other alternative methods. I came across someone in the XXXX XXXX offering to pay most of my credit off for no fee. She said she just needed my account so she can pay it off herself so i provided my account to her. It seemed like most of it was payed off at first, but then the payment was returned a few days later. I asked her if there was anything wrong with that account and she said it is fine that it was on her end, but she kept trying and it kept failing. Now my account has been flagged and closed by discover and I believe this individual has grabbed my account to steal my information. They did not want to help me even though they are charging me unfair credit which is the reason why I was looking for an alternative method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request deletion of all inaccurate and outdated personal information from my credit file under my name, XXXX XXXX. According to my most recent credit report, there are multiple addresses and name variations that do not accurately reflect my current or correct identifying information. 

My only correct and current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please update your records to reflect only this address and remove all others listed below. These outdated addresses are not my current residence and should no longer appear on my 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 This inaccurate personal information violates my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ), which entitles me to accurate and verifiable personal information reporting, and 611 ( a ) ( 1 ) ( A ), which requires that any disputed information must be verified or deleted. 

Please investigate this matter and provide me with written confirmation once all inaccurate addresses and name variations have been permanently removed.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request deletion of all inaccurate and outdated personal information from my credit file under my name, XXXX XXXX. According to my most recent credit report, there are multiple addresses and name variations that do not accurately reflect my current or correct identifying information. 

My only correct and current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please update your records to reflect only this address and remove all others listed below. These outdated addresses are not my current residence and should no longer appear on my 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 This inaccurate personal information violates my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) ( A ), which entitles me to accurate and verifiable personal information reporting, and 611 ( a ) ( 1 ) ( A ), which requires that any disputed information must be verified or deleted. 

Please investigate this matter and provide me with written confirmation once all inaccurate addresses and name variations have been permanently removed.

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 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing to formally dispute the validity of the debt being reported by your agency in the amount of {$1200.00}, allegedly owed to XXXX XXXX  from my prior tenancy in 2019. 

The amount being pursued is inaccurate and based on invalid charges that stem from an apartment I vacated due to a severe cockroach infestation, which rendered the unit uninhabitable under California Civil Code 1941.1. The condition of the unit effectively voided the lease and justified my early termination on XX/XX/year>. 

Despite vacating the property on that date, the property management company is attempting to charge me {$1300.00} in rent for the period XX/XX/year>, through XX/XX/year>, when I was no longer occupying the unit. They have also added {$89.00} in utilities to cover this same invalid time frame. Based on prorated usage through my actual move-out date of XX/XX/year>, the utilities should total {$39.00}. 

Additionally, they have included {$310.00} in turnover costs, which I am not disputing. They applied my {$500.00} security deposit toward these inaccurate charges, resulting in the alleged balance of {$1200.00}. 

When calculated accurately, however : Rent beyond XX/XX/year> should not be charged ( {$1300.00} ) Utilities should be adjusted to {$39.00} ( not {$89.00} ) Turnover costs remain {$310.00} Security deposit applied : {$500.00} Under this correct calculation, the apartment owes me {$140.00}, not the other way around. 

I have repeatedly attempted to resolve this matter directly with the property management company by providing documentation and proof of my move-out date and the infestation reports, but they have refused to investigate or provide any valid verification of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am disputing the reporting of a XXXX late payment on my XXXX Secured Credit Card account. The account was closed shortly after being opened and should not reflect a significant derogatory mark. This late payment entry is inaccurate and unverifiable. I have requested full verification, including documentation proving the balance, due dates, and posting of payments, but no records have been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), furnishers must report complete and verifiable information. If the creditor can not provide proof of the late payment with original records, this negative mark must be deleted. I request a full reinvestigation and correction of my credit report.

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