vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dispute ID : XXXX Companies : XXXX XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX  XXXX On XXXX I received a chargeback notice regarding a transaction that occurred XXXX. There was a single transaction for a single charge of {$260.00}. However, the chargeback amount was for {$200.00}. There is no transaction for {$200.00}. There is no transaction for {$65.00}. I believe this {$200.00} chargeback is improper as there is no {$200.00} transaction. I believe that if the transaction is deemed to be improper, then the chargeback has to be for the amount of the actual transaction which is {$260.00}. They are essentially artificially manufacturing a transaction of their choosing, that has not occurred, and choosing to chargeback their completely arbitrary amount. This results in me being forced to accept a partial payment which I have not and do not agree to. I believe this process is in violation of my agreement. My agreement states that regarding chargebacks : The AMOUNT OF THE TRANSACTION maybe reversed or charged back if the transaction is disputed, is reversed for any reason by the Network or a customer or its financial institution, was not authorized or MMRS has any reason to believe that the transaction was not authorized, or is unlawful, suspicious, or in violation of a transaction document or suspected of being any of the foregoing. 

The credit card company is, essentially, forcibly negotiating a price after the fact. I am not aware that they have the authority to do so. A transaction is either valid or it is not. It is my position that this chargeback is criminally fraudulent and I intend to pursue it criminally with local law enforcement. This partial chargeback gives the impression that I have agreed to or I accept a partial payment and I absolutely DO NOT. 

I am not asking your agency to decide if the transaction is valid or not. I am only asking that you compel them to abide by the agreement which states they have the authority to chargeback the actual transaction which is {$260.00}. There is no {$200.00} transaction for them to chargeback. 

I have reached out to American Express and the credit card processor numerous times. They are absolute in their refusal to give any information about the nature of the complaint regarding the chargeback. They are extremely restrictive in terms of how I am able to reply to the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
CFPB Complaint Explanation Issue Summary I am filing this complaint against multiple entities, including XXXX XXXX XXXX ( MCM ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, for the continued reporting of unverified debts and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Timeline and Actions Taken XX/XX/XXXX : An active Fraud Victim Alert was placed on my credit file, requiring creditors to verify my identity before extending credit. 

XX/XX/XXXX : Employment information was updated on my credit report, which led to unauthorized collection efforts directed toward my place of employment. 

XX/XX/XXXX : A legal case filed by XXXX XXXX XXXX XXXX XXXX ( as assignee of XXXX XXXX XXXX XXXX ) in the XXXX XXXX of XXXX XXXX, Georgia ( XXXX XXXX. XXXX ) was dismissed without prejudice by a Magistrate Court Judge for " Want of Prosecution '' after the plaintiff failed to answer the calendar call. 

XX/XX/XXXX : A formal Cease and Desist and dispute notice was issued to the CFPB and relevant creditors regarding multiple unverified accounts. 

Specific Account Issues and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) : XXXX accounts are being reported as " Derogatory '' with approximate balances of {$6900.00} and {$12000.00}. Although I have communicated a proposed payment plan to a representative named XXXX and was awaiting a response from management, these accounts remain unverified and disputed on my report. 

XXXX XXXX XXXX XXXX XXXX : This account shows a balance ranging from {$9700.00} to {$10000.00} with a " Collection/Charge off '' status. Records indicate this debt is unverified and incorrectly reported. 

Bounce AI : An account balance of approximately {$8800.00} is reported as " Derogatory '' and " Late 120 Days. '' Despite the remark " Consumer disputes this account information, '' reporting continues. 

XXXX XXXX : An account with a balance of {$3300.00} is listed as " Charged off as bad debt. '' Previous disputes have resulted in a resolution that I do not agree with. 

Requested Resolution I am currently unemployed with no source of income. I request that the CFPB investigate these entities for failing to provide proper validation of these debts and for continued reporting of disputed information. Furthermore, I am formally requesting a Cease and Desist on all communications to my residence and place of employment, in accordance with my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MN

Complaint narrative:
Would you mind reviewing this entry? It was done late and may be inaccurate.

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 2025-12-19 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: AR

Complaint narrative:
I am submitting this complaint because my credit report contains numerous inaccuracies and unverifiable accounts that misrepresent my financial history and pose a serious risk to my creditworthiness. By law, I am entitled to a credit file that is accurate, complete, and verifiable under the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( a ), 604 ( a ), 605 ( a ), 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ). Upon reviewing my credit report, I discovered multiple accounts and balances, as well as associated addresses, that appear to be reported inaccurately or without proper verification, including large balances allegedly owed to XXXX XXXX XXXX, and other creditors, as well as numerous medical collection accounts and auto loans, with inconsistent reporting of last activity dates, balances, and payment histories. Additionally, several addresses associated with my file, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX, are inaccurate or unverifiable, further calling into question the integrity of the reporting on my credit profile. These errors collectively create a misleading narrative that could adversely impact my financial reputation, access to credit, and personal security. I am invoking my rights under FCRA 611 to dispute any information that is inaccurate or can not be properly verified and demand that all furnishers provide supporting documentation for every entry listed. Furthermore, under FCRA 605 ( a ), any information that can not be substantiated must be promptly removed to restore the accuracy of my file. I request a thorough and lawful reinvestigation of each account, complete disclosure of all documentation and verification used to support the reporting, correction or deletion of inaccurate information, and written confirmation of all actions taken to ensure that my credit report reflects only accurate, verifiable, and legally compliant information.

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 2025-12-19 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-12-19 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX handling of an ACH fraud claim involving a scam conducted through XXXX. 

I authorized an XXXX  transfer through XXXX to an individual I had previously done business with successfully on XX/XX/year> for {$400.00}. Based on that prior relationship and trust, I sent a subsequent payment of {$310.00} on XXXX XXXX for goods that were promised but never delivered. After receiving the payment, the seller became unresponsive and failed to provide tracking or the purchased items. 

This payment was authorized under false pretenses and was the result of fraud by deception. I would not have approved the transfer had I known the seller did not intend to fulfill the transaction. 

Wells Fargo denied my claim solely on the basis that the transaction was authorized and consistent with prior account activity, without addressing the scam-related nature of the transaction or the deception involved. The investigation appears to have focused only on whether I initiated the payment, not whether the authorization was fraudulently induced. 

I am requesting that Wells Fargo conduct a proper review that considers scam-related fraud and deception, not just account takeover or technical authorization, and that they reconsider reimbursement or provide a detailed explanation of why deception-based fraud was not evaluated.

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 2025-12-19 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: CL Holdings LLC
State: TX

Complaint narrative:
Transunion, Equifax and Experian are reporting a collection account from XXXX XXXX XXXX on my credit report for an alleged debt I do not owe. I have never had an obligation to pay this company. The original creditor listed is XXXX 's however I do not have an outstanding balance with this provider. My debt with XXXX 's was fully satisfied over a year ago. Additionally, the balance being reported is inaccurate. There was never a balance of {$6400.00} owed to the original creditor. XXXX XXXX XXXX has failed to provide proof of assignment, chain of title, or proper debt validation as required under 15 USC 1692g. Despite this, the account continues to be furnished to my credit report. Furthermore, XXXX 's has filed chapter XXXX bankruptcy in XX/XX/year> and could not verify this information that XXXX XXXX is reporting. Due to these violations and the failure to verify the debt, I am demanding the immediate removal of this account from my credit report. If this matter is not resolved promptly, I will pursue further action, including litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
TransUnion is reporting a XXXX late payment for XX/XX/year> on my XXXX XXXX XXXX XXXX account that is internally inconsistent and unverifiable based on XXXX own reporting. 

In the payment history, XX/XX/year> is coded as 30 days late, yet TransUnion does not report any supporting transactional data for that same month, including no past-due balance, no scheduled payment, and no amount paid. 

A delinquency can not be substantiated without a documented missed payment or past-due balance. TransUnions reporting assigns a negative rating without the underlying data required to support it, rendering the information inaccurate and incomplete. 

The account is otherwise reported as current with {$0.00} past due. See attached CFPB complaint letter for full legal analysis and documentation.

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: ID

Complaint narrative:
I sold a headband on marketplace for XXXX $ they then said they had a business account and I had a personal account so they contacted me on XXXX and told me to go into cash app and take out the XXXX I had left to borrow and had me put it into XXXX saying I'd get it back then said to try and add XXXX from my XXXXXXXX XXXX bank account which I am now locked out of online and then never answers me back or called me and now I have XXXX dollars and owe the borrow part XXXX $ on my cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
Would you review this entry for accuracy? It was completed late.

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 2025-12-19 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:
I do not acknowledge these accounts and request their deletion within 15 days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: MS

Complaint narrative:
I applied for a personal loan and found out about the negative items.

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 2025-12-19 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: TX

Complaint narrative:
Fraudulent Inquiries that are unauthorized on my TransUnion credit report XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-12-19 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: IA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-12-19 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: NV

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-19 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: AR

Complaint narrative:
The account listed is erroneous and is being reported under my name without justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: OH

Complaint narrative:
Hi, pls delete charges frm crdit report ; I fell victim to identity theft and did not mak them. I have reportd this to FTC and providd their Affidavit. Please delte these charges promptly.

Company response to consumer: Closed with explanation