vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
Transunion is illegally reporting income on my credit file. It is also starting that i have 100 % left to pay on a charge off that the company already got paid for at the same time it also states that i already paid 64 % that is impossible and also incorrect information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was deceived by a fraudulent vehicle seller. They claimed they were selling me a car, sent photos, details, and a location. I sent the Zelle payment based on their representation, but after payment they stopped responding and never delivered the vehicle. I was misled into sending funds under false pretenses. This was fraud, not a mistake. 

So in other words .. I authorized a Zelle payment based on materially false representations made by the recipient regarding the sale of a vehicle. 

The seller accepted funds and failed to deliver the vehicle or refund the money. 

XXXX XXXX XXXX denied my claim solely on the basis that authentication was successful, without addressing the misrepresentation or non-delivery of goods. 

I am requesting regulatory review of this decision and reimbursement under consumer protection standards for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of a credit-card ( ending in XXXX ) fraud claim totaling {$18000.00}. 

I reported this transaction as unauthorized promptly after discovering it. I did not authorize the transaction, did not receive or benefit from any goods or services related to it, and did not share my card or account credentials. 

Despite this, Navy Federal denied my fraud claim and provided no reason for the denial and no supporting evidence. I have not been given a written explanation, investigative findings, or documentation showing how Navy Federal concluded that the transaction was authorized. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), creditors are required to : Conduct a reasonable investigation of billing disputes Provide a written explanation and evidence supporting any denial Navy Federals failure to provide any explanation or evidence indicates that a proper investigation may not have occurred and does not meet FCBA requirements. 

This unresolved charge continues to expose me to financial harm, including potential interest accrual, credit reporting damage, and loss of consumer protections guaranteed under federal law. 

I will reiterate one final time that I did not authorize these charges- I did not benefit in anyway from these charges- I received no goods from these charges- I did not give away my card information. I have nothing to do with these charges- it is fraud. Ive had this account for many years and have never missed a payment and have never filed a claim. 

I am requesting CFPB assistance to ensure Navy Federal Credit Union complies with federal consumer protection laws and their fraud protection guarantees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence. Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this, the following inaccurate and unauthorized account was verified on my credit report : Account Name : XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure TRANSUNION complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

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 2025-12-23 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Regarding a CitiBank Best Buy branded card, a {$29.00} late fee was charged due to late payment despite the late charge being in excess of the minimum payment and nearly 35 % of the actual amount due. The total baalane has since been paid in full but the issuer will not discuss removing the errant late charge.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is a supplemental complaint related to CFPB Complaint ID XXXX and XXXX. 

Wells Fargo has denied compensation by stating that the encoding error originated at another bank. I acknowledge the other bank made the initial error. However, Wells Fargos responses are incomplete because they fail to address Wells Fargos actions after being notified of the error, and Wells Fargos failure to mitigate harm after advance notice. 

Key facts Wells Fargo has not addressed ( and can verify through its own records ) : Advance notice while pending ( recorded call ) : I first notified Wells Fargo on Thursday, XX/XX/2025 by calling my local Wells Fargo branch in XXXX while the incorrect check amount was still pending. I reported that the check amount was wrong and asked for help preventing it from clearing incorrectly. This call should be recorded by Wells Fargo and should confirm my advance notice. 

Wells Fargo allowed the incorrect item to clear : On Friday, XX/XX/2025, Wells Fargo still allowed the incorrectly encoded check to clear, overdrafted my checking account, and swept my entire savings account. 

Branch escalation denied by corporate : After the accounts were drained, Wells Fargo corporate directed me to go to the XXXX branch to meet in person with the same employee I spoke to on XX/XX/XXXX. During that meeting, the employee reviewed the issue and called Wells Fargo corporate directly to request intervention. Corporate denied the branchs request. 

XXXX credit is discretionary : Wells Fargo admits in its CFPB response that provisional credit exists and is applied on a case-by-case basis, yet Wells Fargo refused to issue provisional credit or otherwise mitigate hardship despite advance notice and the severe harm caused by draining both accounts. 

Deposit Account Agreement citation is not responsive : Wells Fargo cites the Deposit Account Agreement stating it is my responsibility to notify them promptly of errors, and Wells Fargo acknowledges that I did notify them promptly. That is not in dispute. The issue is Wells Fargos failure to act with ordinary care and mitigate harm after receiving notice of a clear error. 

Wells Fargo has not provided a complete response addressing why a known incorrect pending item was allowed to clear after notification, what actions were taken after my XX/XX/XXXX notice to prevent harm, why corporate refused branch escalation, or why mitigation/provisional credit was denied despite the severity of the impact.

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 2025-12-23 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: MN

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. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). 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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am formally disputing the Uplift charge-off reporting on my credit file. 
This account is inaccurate, incomplete, and unverifiable for the following reasons : 1. Uplift did NOT notify me that the account was placed in collections. 
2. The amount being reported is incorrect and does not match any records.

3. Uplift has sold or transferred the debt, meaning they can no longer verify it. 

Under FCRA 607 ( b ), the credit bureaus must ensure maximum possible accuracy.

Under FCRA 611 ( a ) ( 5 ) ( A ), any account that can not be verified must be deleted.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate.

Under FCRA 623 ( b ), Uplift must conduct a reasonable investigation upon notice of this dispute. 

Because Uplift failed to notify me of collections activity, is reporting an incorrect balance, and no longer owns the debt, the information being reported is legally unreliable and can not be verified.

Under FCRA 609 ( a ) ( 1 ), I am requesting the following documentation : 1. The original signed contract or agreement with Uplift 2. Complete payment history 3. Date of first delinquency ( DOFD ) 4. Proof of the correct balance 5. Proof of ownership of the debt at the time of reporting 6. All documents used to verify this charge-off 7. Method of verification per 611 ( a ) ( 6 ) ( B ) ( iii ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TN

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 explanation
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
My credit reports list multiple employers that are outdated, inconsistent across bureaus, or no longer applicable. 

Employment information is not required to assess creditworthiness, and when reported, it must be accurate and verifiable. The inconsistent reporting of employer information violates 15 U.S.C. 1681e ( b ). 

I am requesting the deletion of all employment information from my credit files.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
CFPB FORMAL COMPLAINT AND DEMAND FOR RE-INVESTIGATION To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX : XX/XX/XXXX Regarding : Early Warning Services , LLC ( EWS ) Subject : Formal Appeal, Request for New Investigator, and Removal of Inaccurate/Unverifiable Information 1. Summary of Dispute I am filing this formal complaint against Early Warning Services , LLC ( EWS ) for their failure to conduct a reasonable re-investigation of several fraudulent accounts as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite my clear notification of identity theft, EWS continues to report inaccurate and unverifiable information provided by the following institutions : XXXX XXXX : Dispute # XXXX ( Complaints received XX/XX/XXXX, and XXXX, XXXX ). 




XXXX XXXX XXXX : Dispute # XXXX ( Re-investigation completed XX/XX/XXXX ). 





XXXX XXXX XXXX : Dispute # XXXX ( Complaints received XX/XX/XXXX and XXXX, XXXX ). 




2. Grounds for Appeal & Failure to Verify EWS has admitted in writing that they do not have access to the original account opening records or authorizations, yet they continue to report these items solely because the banks " asserted '' they were accurate. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is inaccurate or can not be verified, it must be deleted. Since EWS can not verify the underlying authorization documents, they are in violation of federal law by maintaining these records. 





3. Request for New Investigator The previous investigators failed to address the specific evidence of fraud and identity theft. I demand that a new, senior investigator be assigned to these cases to perform a human review of the facts, rather than an automated verification. 





4. Mandatory Identity Theft Protections I have previously notified EWS that I am a victim of identity theft. Under 15 U.S.C. 1681c-2, EWS is legally required to block the reporting of any information that resulted from alleged identity theft. Their failure to do so is a willful violation of my consumer rights. 





5. Formal Rebuttal Statement ( 15 U.S.C. 1681i ( b ) ) If these records are not removed, I am exercising my right to have the following rebuttal attached to my file : " I, XXXX XXXX XXXX, formally dispute these records as fraudulent results of identity theft. Early Warning has admitted they do not have access to the required verification documents but continues to report this unverifiable data in violation of the FCRA. ". 





6. Desired Resolution I demand the immediate and permanent removal or deletion of all referenced dispute records from my Early Warning file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts listed on my credit report. The following accounts have inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Please investigate these matters and correct any errors on my report. 

Charged-Off Accounts : 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i

Company response to consumer: Closed with non-monetary relief