vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX Subject : Credit Reporting Dispute Inaccurate Balance Reporting Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding inaccurate information reported on my credit report by [ Credit Card Company Name ]. The account in question originally had a balance of {$500.00}, but I have since paid the balance down significantly. 

I believe this misreporting is negatively affecting my credit profile, and I have contacted the creditor but the error has not been corrected. I am requesting the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my current 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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX Subject : Credit Reporting Dispute Inaccurate Balance Reporting Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding inaccurate information reported on my credit report by [ Credit Card Company Name ]. The account in question originally had a balance of {$500.00}, but I have since paid the balance down significantly. 

I believe this misreporting is negatively affecting my credit profile, and I have contacted the creditor but the error has not been corrected. I am requesting the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Company : Ally Bank Issue Type : Fraud or scam Funds sent under coercion and threats, not voluntary transactions Amount in Dispute : {$38000.00} Complaint Type : Bank wire transfers involving financial fraud and life-threatening extortion Status : Ongoing Bank response inadequate Description of the Complaint : Between XXXX and XX/XX/year>, I was the victim of an organized financial fraud and extortion scheme, which involved identity deception, psychological coercion, and credible threats to my family. 

I was contacted by individuals posing as professionals from a company called XXXX XXXX XXXX XXXX, XXXX. They convinced me to open a new Ally Bank account, presented falsified contracts, and over the course of several days pressured me into making four wire transfers, totaling {$38000.00}. These funds were sent under false pretenses and escalating threats of legal action for breach of contract. 

Following the final wire transfer, I received a violent XXXX message from XXXX ( XXXX ) XXXX in which the sender claimed to be a hired hitman, demanding {$3000.00} or a better offer to spare my fathers life. The individual referenced private details such as my father 's recent hospital visit, which suggests the situation was targeted and credible. 

I immediately reported the fraud to Ally Bank, submitting documentation including : - Threat screenshots- Email and messaging threads- Wire transfer details- Falsified contracts - My IC3 report filed with the FBI Despite this, Ally Banks response has been limited to basic wire recall requests. I have been repeatedly told : If the receiving banks dont respond, unfortunately the funds will be unrecoverable.

This dismissive language and lack of fraud classification is concerning, especially given the severity of the criminal threats and coercion involved. I am not disputing a simple error I was manipulated, intimidated, and extorted into making these transactions.

What Im Requesting : That Ally Bank formally recognize this as a fraud case, not just a standard recall That the CFPB ensure Ally complies with its duty to protect customers coerced into fraudulent activity That this case continue to be reviewed by Allys legal or executive fraud team, not left to standard support This situation has had serious emotional and financial consequences for me and my family. I have taken every proper step to report and document the issue but I need Ally Bank to take it as seriously as the law and the threat level demand. 

Thank you for reviewing this case. 

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Recently I opened a credit card account with Concora Bank! I had a charge for XXXX and XXXX coming out of XXXX bank account that I did not authorize! After several times call the credit card company the told my that my account was blocked because of fraudulent activity, they never told me me that someone changed my address or anything, I found all this out from XXXX XXXX  that emailed me about a change of address! Next I called Experian customer service department! They confirmed someone changed my address, it had been put on my credit report! Concora didnt help at all, they gave me a hard time, I wanted to correct the address that never changed on my end and they told me if I didnt know what the address was changed to, they couldnt help me, thank god my bank sent me the address it had been changed to, Experian has flagged it, know have to make a police report, on top of that Concora sent out a letter for me to verify my identity to the address it had been charged to in New York ! Im very disappointed with Concora Bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-22 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CT

Complaint narrative:
b'Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. Also, I contact them several times to fix this issue and he said they were going to work on it, but didnt after back-and-forth on a phone calls they said Payments got returned from your bank, which is the same bank. Im using it to do the payments. If unable to furnish such proof From my bank to show that my bank refusing to pay them, I demand that these payments be promptly updated to reflect their true status'

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 2025-04-22 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: CT

Complaint narrative:
b'Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. Also, I contact them several times to fix this issue and he said they were going to work on it, but didnt after back-and-forth on a phone calls they said Payments got returned from your bank, which is the same bank. Im using it to do the payments. If unable to furnish such proof From my bank to show that my bank refusing to pay them, I demand that these payments be promptly updated to reflect their true status'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
b"On Sun, XXXX XXXX, I got a text from XXXX XXXX XXXX Claiming to be Wells Fargo and that my account was compromised\nThey asked me personal questions, and I assumed it was a normal Wells Fargo procedure, It ended in XXXX  dollars taken away from me, before I could stop it I talked to multiple Wells Fargo's employees and contacted XXXX  but they told me they couldn't stop the transaction despite processing.\nIt took months for the claim to just be denied\nand despite the fact that the scammer connected to my phone and probably information of the previous victims and scammer is on my phone, no one is doing anything about it!"

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 2025-04-22 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Theres an account showing up on my credit report that I dont recognize at all. Ive never opened it, never used it, and honestly have no idea where it came from. Its completely unfamiliar to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
About five years ago, I opened a Chase account in my name at my ex-husband 's request. We could not open a joint account because Chase had previously closed his. He told me it was due to identity theft. Acting in good faith as a spouse, I opened the new account using his email address, so his employer could send him his wages via ACH, and he had exclusive control over the account. I never had access to or used the account. 

Years later, in XX/XX/year>, I received a notice that the account was being closed. I asked my ex ; he said he doesn't know why. I visited a Chase branch to find out what had happened and was told there were fraudulent activities, but I was not given any details. I explained that I did not operate the account and offered full cooperation to clear my name. No investigation followed. 

Fast forward to today : I have divorced this individual because of that and other shady dealings and opened a legitimate business account and business credit card under my business name, XXXX XXXX XXXX. Recently, Chase closed this business account, citing the history of the old personal account tied to my name. 

I called Chase 's Fraud and Compliance departments and asked them to reopen the matter with full context. I was told the investigation is closed and that their decision is final. I now have no recourse. 

The impact on my business has been severe : I have outstanding business orders tied to my Chase business credit card, which are scheduled to be billed automatically by the end of the month. Due to the closure, I now have to cancel those orders, affecting inventory and operations for XXXX XXXX XXXX. 

I had already provided my Chase business account to clients for payment. The account closure disrupted those transactions, damaged my business credibility, and caused financial delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: IL

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 identity theft. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-22 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: WV

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company 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