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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to resolve issues on my credit report. Below are the details of the accounts I am disputing across the major credit bureaus : Equifax ( XXXX ). I believe there are inaccuracies in the reporting of these accounts and would like them to be investigated. 

CHARGED OFF : XXXX XXXX XXXX - Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXXXXXX XXXX  - Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} INQUIRIES : XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX - Date : XX/XX/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: 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report and identified inaccurate and/or incomplete information being reported by Equifax regarding one or more accounts. I disputed the accuracy of the information and requested verification of the data being reported.

I provided identifying information and copies of my credit report with the disputed tradeline ( s ) highlighted. I am requesting that Equifax conduct a reasonable reinvestigation and correct or delete any information that can not be verified as accurate and complete.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I explained to XXXX that my father and I had the same name and provided the same information to XXXX, Equifax, and TransUnion. I've also asked them to remove all the negative items from my account and received no help.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> someone illegally went into my Chime account and stole {$1100.00}. I saw the transaction pending and immediately contacted chime to ask them to block that from going through because I did not authorize it but the representative told me he could not stop it but once it go through Chime will credit the funds back into my account. I filed a dispute as well as a police report regarding this illegal transaction but Chime denied my dispute twice and has not to date provide me with any reasons for denying both my claims.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
This is a follow-up complaint regarding XXXX account # ending in XXXX. XXXX claims they validated the debt, but they have never provided a signed credit application, contract, or original billing statements. This is not proper validation under FDCPA 809 ( b ). They continue to report the item and claim its verified, violating FCRA 623 ( b ) and FCRA 611 ( a ). I request that the CFPB reopen this case, demand actual documentation, or have the item removed if XXXX can not legally validate the debt.

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: AL

Complaint narrative:
This is a follow-up complaint regarding XXXX account # ending in XXXX. XXXX claims they validated the debt, but they have never provided a signed credit application, contract, or original billing statements. This is not proper validation under FDCPA 809 ( b ). They continue to report the item and claim its verified, violating FCRA 623 ( b ) and FCRA 611 ( a ). I request that the CFPB reopen this case, demand actual documentation, or have the item removed if XXXX can not legally validate the debt.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized subscription charges, unexpected fees, and billing errors by Sezzle. 

On or around XX/XX/XXXX, I contacted Sezzle regarding a subscription I never signed up for, never authorized, and never knowingly used. I never agreed to recurring billing and I do not have access to cancel a subscription because I do not have one. A Sezzle agent named XXXX stated by email that I had used benefits and would therefore be charged. This is false. I requested proof of when and how I enrolled, what benefits were allegedly used, and authorization for the charges. Sezzle refused to provide any proof and refused to issue a refund. 

In addition, for an XXXX  purchase made in XXXX, Sezzle stated they were unable to charge my bank account. I received no decline notice or alert from my bank. To avoid delay, I made the payment using another card, and Sezzle charged an additional fee of approximately {$10.00}. Sezzle later charged my bank account successfully without any issue, proving the problem was not my bank but Sezzles system. I should not be charged fees caused by a company system error. 

Despite multiple attempts to resolve these issues, Sezzle refused to assist, refused to refund the unauthorized charges and fees, and refused to provide documentation or proof to justify the charges. 

I am requesting correction of billing errors, refunds of unauthorized subscription charges and improper fees, and confirmation that no further charges will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling and denial of an unauthorized debit-card transaction that occurred during a documented account takeover and identity theft incident. 

On XX/XX/XXXX, my primary XXXX account was compromised through unauthorized access. My password was changed, a new device was added, and security notifications were deleted to obscure activity. At approximately the same time, my Wells Fargo online banking password was changed without my authorization, and all related security emails were deleted from my inbox. 

Shortly thereafter, an unauthorized debit-card transaction for {$2400.00} was made through an online ticket merchant. I immediately contacted Wells Fargo, locked my card, and disputed the charge. Wells Fargo subsequently detected fraudulent activity, removed my card from XXXX XXXX, froze my debit card, and issued me a new checking account for security reasons, confirming that the account was compromised. 

In the hours and days following, additional independent fraud activity occurred across multiple institutions, including : Unauthorized ticket purchases flagged and reversed by XXXX  XXXX An unauthorized XXXX purchase scheduled for pickup in New York An unauthorized credit inquiry for a XXXX XXXX credit card Unauthorized buy-now-pay-later financing attempts XXXX XXXX XXXX XXXX XXXX  Email-bombing activity intended to hide fraud confirmations These events are fully documented in the attached evidence and police report. 

Despite Wells Fargos own fraud alerts and security actions, Wells Fargo denied my claim on the basis that the transaction involved a digital card, and stated that it must therefore be assumed to be authorized by me. This conclusion ignores the documented account takeover, email compromise, credential theft, and independent third-party confirmations of fraud. 

Under Regulation E, unauthorized electronic fund transfers must be reimbursed unless the bank can demonstrate affirmative authorization by the consumer. The mere use of a digital card does not establish authorization, particularly during a confirmed identity-theft incident. 

I am requesting that Wells Fargo : 1. Reconsider and reimburse the unauthorized {$2400.00} debit-card transaction 2. Correct the handling of my fraud claim consistent with Regulation E 3. Acknowledge the documented identity theft and account takeover reflected in their own security actions I have attached a single PDF evidence file that includes : A detailed timeline Police report Wells Fargo fraud acknowledgments and security actions Independent third-party fraud confirmations Supporting documentation from merchants and financial institutions

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
fraudulent transaction involving Cash App and phone impersonation. 

I was contacted by phone from XXXX by an individual claiming to be associated with XXXX. The caller instructed me to send money via Cash App as part of what I was led to believe was a legitimate financial process. 

Based on these representations, I sent money through Cash App to the account XXXX XXXXXXXX. The transaction reference is Transaction ID : XXXX, and the funds were transferred to a XXXX debit card ending in XXXX. 

When I requested additional details and clarification about the transaction, the caller abruptly ended the call. After that point, I was unable to contact them again. Calls were not answered and no further communication was received. 

I believe this transaction was fraudulent and that I was the victim of impersonation and deception. I am requesting that this incident be reviewed, that the transaction be investigated, and that appropriate corrective action be taken. 

I have reported this matter to local law enforcement and am in the process of submitting all supporting documentation, including transaction records and call logs.

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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Despite the card being blocked, a transaction being declined, and my card being cancelled with confirmation that no charges had gone through, Chase later approved a {$3000.00} charge from the same merchant. This approval contradicts Chases own representations and demonstrates an error in dispute handling.

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: 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: MI

Complaint narrative:
I lost my job due to a medical XXXX and missed one payment with this company. I have received 12+ calls a day from them and now they are calling people who they believe are my family and are telling them what my debts are and who its owed to as well as the amount. XXXX was the representative who called my family.

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: FL

Complaint narrative:
RE : Formal Identity Theft Block Request Under FCRA 605B & Dispute of Fraudulent Accounts, Inquiries, and Personal Information. 
To Whom It XXXX Concern : I am submitting this letter to formally invoke my rights under FCRA 605B, as I am a documented victim of identity theft. My personal identifying information was compromised during the XXXX XXXX XXXXXXXX XXXX, as confirmed by Equifax ( XXXX XXXX. XXXX ). 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This is a follow-up complaint regarding XXXX account XXXX ending in XXXX. XXXX claims they validated the debt, but they have never provided a signed credit application, contract, or original billing statements. This is not proper validation under FDCPA 809 ( b ). They continue to report the item and claim its verified, violating FCRA 623 ( b ) and FCRA 611 ( a ). I request that the CFPB reopen this case, demand actual documentation, or have the item removed if XXXX can not legally validate the debt.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please examine the materials shared ; the inquiries arrived unannounced and might not be approved.

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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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