vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXX statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My information was compromised in the TransUnion data breach, and I did not authorize these transactions.

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 2025-09-25 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:
XXXX XXXX Ethical Failures : A Systemic Breakdown Involving My Accounts : Unauthorized Accounts : Between XXXX and XXXX, employees opened millions of accounts without customer consent to meet aggressive sales quotas. Customers were charged fees and suffered credit damage. 


Mismanagement of Loans and Accounts : The CFPB found widespread mismanagement in deposit accounts, including identity theft on checking/savings accounts, misapplied payments, and surprise overdraft fees. 


Data Breaches and Privacy Violations : A class action lawsuit alleges Wells Fargo failed to protect sensitive customer data, exposing millions to identity theft. 


Fake Interviews and DEI Misrepresentation : Executives were accused of conducting sham interviews with diverse candidates for jobs that were already filled, misleading both applicants and investors. 

A Reflection of Systemic Issues I was driven into financial hardship despite having strong credit and savings and this is not isolated an isolated event. Many customers ( including myself ) have reported : Being ignored or dismissed when raising concerns. 
Receiving inadequate support from customer service representatives. 
Experiencing long-term financial damage due to unauthorized actions or mismanagement. 

For Example : The fact that someone named XXXX XXXX ( contacted me numerous times in XX/XX/XXXX ) but was unable to help suggests a breakdown in internal escalation or accountability. XXXX XXXX has done the same including accusing me of customer impersonation. I assume all of these calls were to record me questioning my own accounts for the benefit of Wells Fargo. 

Wells Fargo has a documented history of failing to act on internal warnings and customer complaints. I do not complain for the experience. I complain because this is Reality.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Attention : Credit Bureau Compliance To Whom It May Concern : On XX/XX/XXXX, upon a call to XXXX XXXX XXXX, I was told that your office has no record of any collection on behalf of XXXX XXXX XXXX for {$480.00}. I then went to a local XXXX office and requested a search for any collection. I was advised that even though I did have an insurance policy back in XXXX, that there was no such collection against me. So the question remains : How did XXXX XXXX XXXX get my personal information? 

Your office has posted this collection on XXXX  and XXXX. I demand the deletion of this collection immediately. 

Your office has violated my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

This collection must be deleted immediately or I will report your company to the Federal Trade Commission on an act of Identity Theft. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-25 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-25 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-25 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for knowingly reporting a fraudulent account with XXXX XXXX on my credit report, despite my repeated disputes and clear evidence that this account does not belong to me. 

This account is a direct result of identity theft. I have disputed this account multiple times with TransUnion, provided documentation, and cited the Fair Credit Reporting Act ( FCRA ) provisions requiring them to block fraudulent accounts. Both Equifax and Experian have complied with the law and removed/blocked this account, yet TransUnion continues to report it.

During a recent phone call, a TransUnion representative explicitly told me that they were refusing to block the account without providing any legitimate explanation. This demonstrates willful noncompliance with federal law.

FCRA Violations TransUnion is violating multiple provisions of the Fair Credit Reporting Act, including but not limited to : 1. 15 U.S.C. 1681c-2 ( Section 605B ) Requires a consumer reporting agency to block reporting of information that a consumer identifies as resulting from identity theft within 4 business days of receiving documentation. TransUnion has ignored this legal mandate.

2. 15 U.S.C. 1681i ( Section 611 ) Requires a reasonable reinvestigation of disputed information. TransUnion has failed to provide any proof of validation from XXXX XXXX, nor have they explained how they verified the account. They continue to report the account without supporting documentation. 
3. 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Reporting a fraudulent account without proper investigation is a direct violation of this section.

4. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Requires TransUnion to provide a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name, address, and telephone number of the furnisher they contacted. I have never received this disclosure despite requesting it.

Lack of Proof of Validation To date, I have never been provided with any proof of validation that this XXXX XXXX debt belongs to me. I am confident no such proof exists, because this is not my account. Any investigation TransUnion claims to have conducted is incomplete, improper, and violates federal law.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had 3 fraudulent checks written under my account at the end of XXXX. Two checks written for {$300.00} and 1 check written for {$450.00}. Two of the checks the money was return back to my account but the last check for {$300.00} was never return. The bank told me several times the money would be return but it's been months now, and I still haven't receive the {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: UT

Complaint narrative:
Wise suspended my transfer, requesting more documents. 
I provided said documents. 
They canceled pending transfer saying they needed more documents. 
I provided those documents. 
They then said my account would be closed unless I provided those same documents. 
I provided those documents again. 
They notified me that my account was completely locked and would be closed without the same documents * again *. 
I provided said documents again. 
My money was trapped until I submitted an appeal, with documents, which they immediately rejected. 

They provided NO explanations for any step throughout this process, and the customer service agents were at a loss as to why this was happening. I want my account back, or to make a new one. I am not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
I am filing this complaint because my Equifax credit report contains multiple serious inaccuracies that are damaging my credit profile and violating my rights under the Fair Credit Reporting Act. Despite my attempts to correct these errors, Equifax has continued to report false, unverifiable, and misleading information that does not belong to me. 

My report is showing wrong addresses that I have never lived at, including XXXX XXXX XXXX, XXXXXX/XX/XXXX. These are not my residences and their continued presence on my file creates confusion and misidentification. 

My file also includes several accounts that are inaccurately reported. XXXX # XXXXXX/XX/XXXX, opened XX/XX/XXXX with a balance of {$0.00}, is being reported with late payments XX/XX/XXXX even though a XXXX balance account should not reflect derogatory activity. XX/XX/XXXX, opened XX/XX/XXXX with a balance of {$620.00}, is reported with late payments * * that I dispute as false. XX/XX/XXXXXXXX XXXX # XXXX * *, opened XX/XX/XXXX with a balance of {$0.00}, is also showing late payments * * which is contradictory and inaccurate. 

Additionally, there are charge-offs and collections that I dispute in full. XXXX ( XXXX XXXX. ) # XXXX * *, opened XX/XX/XXXX with a balance of {$680.00}, is listed as a collection * * that I do not recognize and has not been validated. XXXX # XXXX * *, opened XX/XX/XXXX with a balance of {$0.00}, is reported as a charge-off * *, which is misleading since a charge-off with a XXXX balance is not accurate. XX/XX/XXXX# XXXX * *, opened XX/XX/XXXX with a balance of {$1600.00}, is being reported as a charge-off * * that I dispute as unverifiable. XXXX XXXX # XXXX * *, opened XX/XX/XXXX with a balance of {$0.00}, is also reported as a charge-off * *, which again makes no sense because a XXXX balance can not be charged off. 

My report also contains an unauthorized inquiry from XXXX on XX/XX/XXXX. This inquiry was not authorized by me and therefore should never have been placed on my credit file. 

These wrong addresses, false late payments, improper charge-offs, unverifiable collections, and unauthorized inquiries demonstrate a complete failure by Equifax and the furnishers of information to maintain accurate, fair, and verifiable credit reporting as required under the Fair Credit Reporting Act. The continued reporting of these inaccuracies has harmed my ability to access fair credit, created financial obstacles, and damaged my personal reputation. 

I am asking the Consumer Financial Protection Bureau to require Equifax to conduct a proper reinvestigation of each of these items, to permanently delete all unverifiable and inaccurate information, and to ensure that only accurate information remains on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX there was 15 transactions of {$14.00} that were taken out of my account and I filed a fraud claim and they are not willing to return my money, I spoke to both XXXX and Chase and they both said there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RentDebt Automated Collections has failed to provide proof that I ever authorized them to obtain, use, or share my personal identifying information. While they attached a lease agreement and a final statement from their client, none of these documents demonstrate that I gave written consent for RDAC to access or furnish my data to the credit reporting agencies. The FCRA and FDCPA require complete and verifiable evidence that the furnisher has lawful permission. Merely showing a lease agreement from a third party does not establish RDACs right to insert itself as a data furnisher on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NE

Complaint narrative:
Beginning Friday evening XX/XX/2025 square inc contacted me regarding suspicious activity, during a 17 minute call from them ( confirmed ) the agent in a foreign call center asked for information for my linked personal account. Immediately after providing this information my external linked business account began sending me notifications that account had also been compromised. I switched over to that call that then proceeded to drop the call with square inc. Square inc called back and proceeded with another seven minutes of back and forth at which point the call was dropped again. I was frozen out of my square account and systems unable to login in to see what was taking place. My external account was also locked until the next morning when I found my business account overdrawn by over {$1800.00} and my personal account overdrawn by {$2900.00} multiple calls where placed over the weekend that where consistently sent to a recording that I could contact square inc Monday through Friday XXXX to XXXX. Monday XX/XX/2025 I had to sit on the Nebraska state board of XXXX  for the department of health and human services to ensure the board could meet a quorum. I could not address these issues again until Tuesday morning. Tuesday XX/XX/XXXX I contacted my external linked business bank and had to change all account numbers and debit card numbers, I signed off on the fraudulent activity to they can attempt to restore the {$3600.00} transferred to Square Inc. I was finally able to get on the phone with the out of country call center for square inc this morning Wednesday XX/XX/XXXX and change my password. I found thee fraudulent charges one for {$1500.00} which was declined by square then two more one for {$1400.00} and another one for {$1500.00} along with multiple transfers into my Square account from my external account equaling the money stolen. A case was opened by square inc and then XXXX was transferred out of my square account without my consent and the case was closed with no resolution. At this time between my accounts Square inc has caused a total of {$5100.00} to be defrauded from me with all transactions coming from square inc. There has been no valid escalation of the situation through them, all communications have been through a call center outside the United States and no one can tell me where the funds have gone, what they are doing nor can they see what was requested in other calls. I have three different case numbers that go no where. The transfer today was not authorized and I am about to go into financial crisis with the end of the month approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TN

Complaint narrative:
delayed my account refunds and had extremely poor customer service. 
Back in XX/XX/year> chime. Closed my account for no reason I had a deposit of {$780.00} from my job at that time. And never recovered it. They hung up in my face numerous times. No one made Note of it. To this day no one knows what Im talking about. I had to speak with 5 different supervisors to get my account reopened and its still currently negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Alleged Debt of {$560.00}, Account for XXXX XXXX To Whom It May Concern, I am writing in regard to the alleged debt in the amount of {$560.00}, which you claim I owe. I dispute this alleged debt in its entirety.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this account.

Please be advised that reporting or updating information to any credit reporting agency is considered a form of communication under the FDCPA. Therefore, any continued reporting or updating of this account will be treated as continued collection activity in violation of federal law.

You are required to : 1. Immediately cease all communication with me, directly or indirectly, concerning this account.

2. Immediately cease furnishing, reporting, or updating information about this account with any credit reporting agency.

3. Provide written confirmation that you have complied with this demand.

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I will also consider pursuing all available legal remedies, including statutory damages, attorneys fees, and court costs for violations of my rights under the FDCPA and other applicable consumer protection laws.

This letter does not acknowledge the validity of the alleged debt, nor does it constitute a promise to pay. It is a formal demand that you comply fully with your legal obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief