vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am filing this complaint against Equifax because they are mishandling and misreporting several tradelines on my file, and when I disputed, they just sent back verified with no explanation at all. 

The main problem is with XXXX XXXX XXXXXXXX account XXXX. Equifax is reporting this account as a charge-off ( since around XXXX ) and Experian is also reporting the same account, while TransUnion does not show it at all. Thats already a red flag under 15 U.S.C. 1681e ( b ) because the information is inconsistent across bureaus and cant all be accurate.

On top of that, Experian is also showing multiple XXXX XXXX XXXXXXXX charge-offs since XXXX with no account numbers at all, literally just XXXX. Equifax has at least XXXX of these, but again, no account number is attached. How can a CRA legally verify a tradeline if it doesnt even have an account number? This is impossible to validate and should have been deleted under 1681i ( a ) ( 5 ) ( A ). 

Another issue : my XXXX XXXX account XXXX is showing as a charge-off on Experian since XX/XX/XXXX, but not on XXXX or Equifax in the same way. Again, inconsistent and unreliable data. 

When I disputed these, Equifax just came back saying they were verified. That is not compliance. Under 1681i ( a ) ( 6 ) ( B ) and 1681i ( a ) ( 2 ) ( B ), I have the right to the Method of Verification. I want to know : Who exactly verified XXXX XXXX XXXXXXXX acct XXXX? 

What records were reviewed if the account is reported as XXXX? 

What exact date/time was the furnisher contacted? 

Simply saying we verified with the furnisher is not enough. In XXXX v. XXXX, the court already said CRAs cant just rubber-stamp disputes without real investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Contract Callers has erroneously reported an account on my credit report ( All 3 XXXX XXXX XXXX XXXX  ) in the amount of {$1100.00}. I have previously reported this company to the XXXX XXXX XXXX, and they have not responded. Contract Callers have repeatedly called about this inaccurate information. I have requested validation in the form of signed contract with Contract Callers, and they have not provided the requested information. I demand this erroneous account be removed from all 3 XXXX XXXX XXXX XXXX and any other credit reporting agencies in the amount of {$1100.00} immediately as this false information is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We previously had a mortgage with Chase so after we sold and found a new home we reached out for lending. They were great at the beginning and after about a week of docs they said you need to pay the {$650.00} nonrefundable deposit, they should provide that information up front as we would never use them if that's the case. No other lender with our other home purchases asked for a lending deposit ( They were better ). They continued but ran into a snag and had XXXX solutions for the lending. We said you can't get it done were using someone who can and is motivated. We switched lenders and closed on the original date of XX/XX/year>. Chase still pushes us off for the {$650.00} they extorted from us. This is the complaint. I am truly disgusted with Chase and if they don't refund the money, we will be closing all of our accounts and moving to a reputable bank who cares about their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
the accuracy of the XXXXXXXX XXXX credit Card account reported on my Equifax, Transunion, and Experian credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the accuracy of this information within the 30-day period required by law, you must delete it from my credit report. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this debt, including the original account number, the amount owed, and the date of last activity. Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information. 
Enclosed are copies of any relevant documents supporting my position. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/2025 ]

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 2025-09-17 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IN

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I called U.S. Bank ( case XXXX ) about multiple disputed charges on both my checking/debit card ( main focus ) and credit card accounts. Disputed transactions include XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), numerous XXXX charges, multiple XXXX charges totaling {$140.00}, Imaging {$450.00}, repeated XXXX XXXX charges, varying XXXX XXXX charges, and XXXX. Some of these disputes have been stuck for over XXXX months without resolution, causing serious cash flow problems and debt strain. 

It appears a provisional credit for XXXX ( XX/XX/XXXX ) has been offered and XXXX XXXX charges addressed, though XXXX additional charge still seems to be missing. I need confirmation of the current status of all disputes, and I request this not be sent through paper mail. 

I can not use U.S. Banks online dispute system because it freezes or fails. Fax submissions were lost without confirmation. I have repeatedly requested no more paper mail disputes, as this wastes time and resources, but the bank continues to rely on broken channels instead of providing a direct contact. 

The XXXX dispute involved a hostile merchant, where I was put in a dangerous position being forced to speak directly with the merchant. This is why I came to U.S. Bank for help, yet instead of intervening they pushed me back into the same unsafe situation. 

I was promised a supervisor callback by XX/XX/XXXX, but none came. When I called back, I was denied escalation, told there was no direct number, forced to repeat myself, and told only to wait until Monday morning for a possible call. Agents have been pushy, rude, and dismissive instead of providing assistance. 

As of XX/XX/XXXX, I still have no assigned claims specialist, no written acknowledgement, and no clear update on my disputes or credits. I am requesting immediate assignment of a claims specialist, written confirmation of all disputes and final credits ( checking and credit card ), and a reliable electronic communication channel so my cases can finally be resolved.

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 2025-09-17 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:
XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX because they are illegally reporting and collecting a debt in my XXXXTransUnion credit reports . 

Unlicensed in XXXX XXXX XXXX XXXX XXXX XXXX  does not hold a required debt collection license in XXXX XXXX XXXXXXXX. I attached a screenshot from the XXXX  showing None under license in XXXX Under XXXX XXXX XXXX XXXXXXXX, collectors must be licensed to operate here. Without that license, they can not legally collect or furnish information on me. 

Reporting Inaccurate Collections : They are furnishing XXXX separate collection tradelines tied to XXXX XXXX XXXX with balances of {$15000.00} and {$16000.00}. Both report as of XX/XX/year>. These balances and duplications are unverified and misleading. 

Failed Validation / FDCPA Violations : They mailed me a so-called verification letter, but it did not contain any original contract, no chain of title, and no proof of assignment from XXXXXXXX XXXX XXXX  XXXX That fails to meet the FDCPA 1692g ( b ) validation standard. Yet, they continue to report as verified. This violates : 15 U.S.C. 1692g ( b ) continued collection without proper validation 15 U.S.C. 1692e ( 8 ) communicating credit information known to be disputed and unverified FCRA Violations : 15 U.S.C. 1681s-2 ( b ) failing to reasonably investigate and correct inaccurate data after I disputed.

15 U.S.C. 1681e ( b ) furnishing data that is not accurate, nor legally permitted.

15 U.S.C. 1681b they have no permissible purpose to report on me in XXXX XXXX without licensing authority. 

Precedent cases make clear that debt buyers must comply with both FDCPA and FCRA. See XXXX XXXX XXXXXXXX ( furnisher liability under 1681s-2 ( b ) ) and XXXXXXXX XXXX XXXXXXXX ( false reporting constitutes FDCPA violation ).

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX XXXX | United States Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXXXXXX XXXX | United States Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
I am challenging the validity of particular items on my credit history that reflect unauthorized accounts. Please investigate and expunge them from my report. Records are enclosed.

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 2025-09-17 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: TN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Statement Regarding Unauthorized Online Banking Transactions Incident Overview On XX/XX/year>, at approximately XXXX XXXX, my Wells Fargo XXXX XXXX  account was compromised by an unauthorized third party. This individual was able to gain exclusive control of my account and carried out a series of unauthorized money transfers involving XXXX separate Wells Fargo accounts. At the time these transactions were initiated, I had no knowledge that any unauthorized activity was taking place. 
Device Usage Details I exclusively access Wells Fargo XXXX BaXXXXking using my XXXX XXXX. I do not use any other devices for this purposeonly this single XXXX. Throughout the period during which the unauthorized transactions were conducted, I maintained physical possession of my XXXX at all times. Therefore, it is evident that the unauthorized party must have used other device ( XXXX ) to initiate these transactions. 
Forensic Evidence and Requests XXXX XXXX forensic logs capture session-specific data elements that serve as a digital fingerprint, identifying the originating device and network associated with each online banking session. The data collected by Wells Fargo will conclusively demonstrate that my XXXX was not the device used to carry out these unauthorized transactions. Additionally, these logs contain IP address and network routing information, which can definitively establish that the device used was located in a different part of the countryor possibly even outside of the country. 
I have made multiple requests for Wells Fargo to utilize this information, which is under their control, to conduct a proper forensic examination. This investigation would determine the true origin and identity of the individual responsible for executing these unauthorized transactions against my accounts. Full details are in the attached document.

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 2025-09-17 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding a purchase I made from XXXX, which was financed through Affirm, and the subsequent failure of both XXXX and Affirm to resolve the matter appropriately. 

Order Details Merchant : XXXX Financing Provider : Affirm Total Purchase Amount : {$670.00} Date of Purchase : XX/XX/year> Items Ordered ( XXXX ) : XXXX. XXXX ( XXXX ) XXXX XXXX  XXXX. XXXX ( XXXX ) XXXX XXXX  XXXX. XXXX ( XXXX ) XXXX XXXX XXXX I only received XXXX of the XXXX items ordered : XXXX XXXX XXXX  and the carry-on suitcase. The large suitcase was never delivered. 

XXXX submitted proof of delivery from XXXX, but this documentation is inaccurate. The delivery photo shows only XXXX packages : XXXX envelope ( consistent with the electronic organizer ) and XXXX small box ( sized for a carry-on suitcase but far too small to contain a large suitcase ). No XXXX  package was ever delivered. 

Actions Taken Since delivery, I have taken the following steps : I disputed the charge with Affirm multiple times, providing sufficient evidence that the order was incomplete. 
I rebutted every piece of documentation submitted by the merchant with supporting evidence ( including photos and order details ). 
I contacted XXXX more than XXXX times seeking resolution, but they have not responded to a single outreach attempt. 
Despite my repeated good-faith efforts, Affirm has continued to resolve the dispute in the merchants favor without providing me with a clear explanation or opportunity for direct dialogue. 

Summary I financed this order through Affirm with the reasonable expectation that either the merchant would deliver all items purchased or, in the event of non-delivery, Affirm would protect me as a consumer. Instead, I remain in possession of only part of my order, with no replacement, no refund, and no ability to return the incomplete shipment. 

I respectfully request that the CFPB investigate this matter and require Affirm to honor its obligations to consumers when merchants fail to deliver goods as contracted. 

Thank you for your attention.

Company response to consumer: Closed with explanation