vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXDOB: XXXXSSN: XXXXEquifax\XXXX XXXX XXXXXXXX XXXX XXXXXXXXRe: Formal Dispute  Inaccurate, Incomplete, and Inconsistent Reporting of Multiple Accounts\n\nTo Whom It May Concern,\nI am disputing the reporting of the following accounts on my Equifax credit reportXXXX  Account # XXXX  Account # XXXX XXXX XXXX  Account # XXXX (First account)XXXX XXXX  Account # XXXX  Account # XXXX XXXX XXXX   Account XXXX XXXX  (XXXX account)\XXXX   Account # XXXX  CARD  Account # XXXXThe attached screenshots from my credit reports prove each of these accounts contains inaccurate, incomplete, and inconsistent information in violation of the FCRA and Metro 2 Compliance Standards.\nRequired Action:\nYou must delete these accounts entirely from my Equifax credit file. The information is unverifiable and must be removed in full.\nNotice: If these accounts are not deleted within XXXX days, I will file complaints with the CFPB, FTC, and my State Attorney General, and pursue legal action under 15 U.S.C. XXXXWith your reinvestigation results, provide:\nName, address, and contact information of the furnisher who verified each account\nFull method of verification per 15 U.S.C. XXXXa)(XXXX)(B)XXXX\nCopies of all contracts, payment histories, and account records provided by the furnisher\nSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> is filing this CFPB complaint to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you progressive, XXXX XXXXXXXX, and XXXX XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under account XXXX on XXXX XXXX, XXXX XXXX under account XXXX on XXXX XXXX, XXXX under account XXXX on XXXX XXXX, a collection under XXXX under account XXXX, XXXX accounts from XXXX XXXX. under account XXXX opened XXXX XXXX, and account XXXX  opened on XXXX XXXX, and XXXX XXXX Bank under account XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I had debt deferred to PROFESSIONAL COLLECTORS, that I was unaware of. The debt had been reported to the collectors XXXX XXXX, XXXX according to my credit report. I was unaware that I had any debt, as well as that it was deferred. I emailed PROFESSIONAL COLLECTORS on XX/XX/XXXX requesting information and how to proceed and I informed them that I was unaware of any debt. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
So my name is XXXX XXXX and I am bank with Chase Bank and i deposit a check and someone use my name to get my account restricted from me to say it wasnt me and they put a restriction on my bank account but my check went through and its just sitting in my bank account but I cant access it I try to talk it with the bank but they are saying its nothing they can do to unlock it.

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

Complaint narrative:
I am reporting inaccurate student loan entries listed by Transunion that were XXXX over XXXX  years ago in XXXX XXXXXXXX XXXX. They were removed after my dispute in XX/XX/XXXX, but reappeared in XX/XX/XXXX and XX/XX/XXXX under different reporting companies, balances, and account numbers. Transunion refuses to remove it and claims its accurate, ignoring discharge records. This error caused my credit score to drop from XXXX to XXXX. Ive made every effort to keep my accounts in good standing. Transunion failed to conduct a proper reinvestigation under 15 U.S.C. XXXXi and violated the FCRA. I request CFPB action and score restoration. Supporting documents 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/scrub> 2025, I was a victim of fraud from an impersonator who stated they worked for Wells Fargo. I received a message regarding suspicious activity on my bank account ( Wells Fargo ). I have always received messages of I authorize any transactions. So I answered the message no. I received a call from an impersonator who works for Wells Fargo. I first spoke to a man. He asked me to confirm if I authorized my most recent transactions. I did not give any person details regarding my account. I confirmed a couple and there was XXXX I did not authorize which was for {$7000.00}. So he said he will escalate to a higher department and I will receive a call. I then spoke to a lady. She stated she works for the fraud department and that my information was leaked. She said my account will be frozen but I need to transfer my money out before more money will be taken out. She said I need to transfer the money to a XXXX Bank. I asked her why am I transferring it to XXXX and she replied it is a third party and its to do further investigation. When I was instructed to withdraw cash, which was {$25000.00}, she told me that I must not alert them that theres an ongoing investigation. She was listening to the teller and me throughout the whole transaction. She said I will receive my new cards in the mail soon. She gave me a temporary card to input on my XXXX  app. I used that account to transfer the money. This was almost at XXXXXXXX XXXX. I then I had to get the rest of the money from my bank and do the same process. The XXXX transaction was for about {$21000.00}. I deposited that on the XXXX account at XXXXXXXX XXXX She said she will follow up with me the next day regarding the case. Then I immediately called Wells Fargo and told them what happened. I asked the representative if thats the procedure. She stated no and that it was a scam. I immediately freaked out. She provided me a case ID # and recommended I file a police report. I filed the police report. I unfortunately could not return to the XXXX bank to dispute the transaction but the branch was closed. I called XXXX customer service and dispute the transaction. They could not help me because I am not an account holder. The next day, XX/XX/year>2025, I went to the XXXX bank right when it opened. I explained the situation with XXXX employee. He told me unfortunately, the police are the only ones who can see the account/transaction when subpoenaed. I called my bank, Wells Fargo, to update them about the situation and provide the police report onto the file. My bank made new checking/savings accounts for 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 2025-08-08 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-08 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: MA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information Under 15 USC XXXX ( b ) and 15 USC XXXX I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be removed

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

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I previously submitted disputes to TransUnion, Equifax, and Experian regarding inaccurate information being reported on my credit file. In those disputes, I identified the specific accounts in question and detailed the violations affecting my consumer report. 

It has been over XXXX days since my disputes were received, and I have not received any response as required under the Fair Credit Reporting Act ( FCRA ). For reference, I have attached copies of all dispute letters sent. 

This company is in violation of the following : FCRA XXXX ( XXXX ) ( XXXX ) Failure to update the account status to reflect that it is in dispute. 
FCRA XXXX ( XXXX XXXX  Incorrect reporting of the date of last activity. The account should reflect the last date a payment was made, not an inaccurate or manipulated date. 
FDCPA XXXX ( XXXX  ) Continuous failure to provide validation of the alleged debt, as further supported by FTC opinion, constitutes an additional violation. 

These ongoing violations demonstrate noncompliance with federal law, and I expect immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn 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 non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: GA

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 2025-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \XXXX XXXX  \XXXX  \XXXX XXXX XXXX, Tx. XXXX   \nXXXX

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