vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: OH

Complaint narrative:
i happen to look at my credit report and notice i had fraudulent accounts on my profile and would like them deleted and remove from 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 non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( XXXX XXXX consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( XXXX XXXX consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
Date : [ XX/XX/year> ] Re : Furnisher Dispute FCRA 1681s-2 ( b ) To : [ Furnisher Name ] I am formally disputing the accuracy of the information you are furnishing to XXXX XXXX and XXXX. 

Under 15 U.S.C. 1681s-2 ( b ), once notified by a CRA, you are required to : Conduct a reasonable investigation Review all relevant information Correct, delete, or update inaccurate reporting Account : [ Account Number ] Dispute Reason : [ Insert specific error from table above ] If you can not fully substantiate the accuracy of this account with original documentation, you must request deletion from all consumer reporting agencies. 

Please provide written confirmation of your findings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing in regard to the recent closure of my XXXX XXXX XXXX credit card ( ending in XXXX ) issued by Chase. I understand that the closure was based on use of the card for activity considered non-personal, specifically involving purchases intended for resale. 

I want to sincerely apologize if my use of the card violated XXXX terms. I was not aware that using the card for occasional resale purchases was against the agreement, and I truly did not intend to misuse the account. Had I received any kind of warning or notice, I would have immediately adjusted my use to remain within the guidelines. 

The closure has had an outsized impact on my financial profile. I had consolidated a significant portion of my available personal credit, approximately {$36000.00}, onto this card, and the sudden closure will cause a sharp drop in my credit score due to increased credit utilization and available credit. This will affect my ability to manage my finances responsibly, even though Ive never missed a payment and have used the card in good faith. This also basically eliminates any personal credit that I have available for use, even though I have outstanding credit history and have rarely if ever missed payments.

I contacted Chase and they told me to reapply for the credit card. I have done that, and received an immediate rejection stating I already have the card open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: AZ

Complaint narrative:
On XX/XX/year> under report # XXXX EXPERIAN reported in their websites portal multiple accounts were deleted. After receiving a complete copy of my credit profile and such deletions were confirmed. Several weeks later, on XX/XX/year> multiple accounts were unauthorized and reinserted back onto my credit profile without notifying me in writing within 5 days as federal law permits. 

EXPERIAN has failed to acknowledge this mistake and has violated multiple Federal Legislations under the Fair Credit Reporting Act ( FCRA ) Such violations include : 15 U.S.C. 1681i 611 ( A ) ( 5 ) ( b ) as it states : If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency --. 

EXPERIAN deleted multiple XXXX XXXX accounts and may not reinsert.

15 U.S.C. 1681i 611 ( A ) ( 5 ) ( b ) ( ii ) as it states : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I did NOT receive a written notice through certified mail from EXPERIAN of such re-insertions ; EXPERIAN does NOT have my written consent which I have expressed. 
This dispute has negatively impacted my credit worthiness by lowering my credit score, damaging my credit history affecting my inability to pursue lower interest rates, apply for credit cards, secure favorable financing terms. Before pursuing legal action I am extending one last opportunity for EXPERIAN to rectify the situation and address the inaccuracies previously reported to my credit profile. 

Furthermore, I am demanding that your company ( EXPERIAN ) remove all of the reinserted accounts found in the PDF attached to this complaint before litigation letter and block the accounts from being re-inserted as remedy for the consumer.

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 2025-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I owed XXXX {$17000.00}, and this account was being handled by the collection agency XXXX XXXX XXXX. I called them to reach a settlement and pay the account in full. The agreement was for {$10000.00}, and they told me that once I paid this amount, the account would be closed and reported with a balance of {$0.00}. 
After paying that amount on XX/XX/year>, the following week XXXX reported that I still owed them {$6900.00}, even though I had reached a payment agreement to close this account. Here are all the signed documents that prove what I'm saying. I contacted both companies, and neither wants to help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deinde Online Services, LLC
State: TX

Complaint narrative:
I requested full validation of the alleged debt, including : A copy of the original signed contract Itemized statements of charges Proof of ownership or assignment A complete chain of custody Verification of balance accuracy They failed to provide any of this. They only sent generic form letters that do not meet FDCPA validation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Institution : State Employees Credit Union ( SECU ) Incident Date : XX/XX/XXXX Amount Lost : Approximately {$4000.00} Issue Type : Fraud / Failure to Act/ Violation of Member Rights On XX/XX/XXXX, I received a phone call from a number that appeared on my caller ID as the fraud department for State Employees Credit Union ( SECU ). Upon answering, the individual identified himself as an SECU fraud agent and stated he was calling regarding suspicious charges on my account. 

The caller accurately listed several fraudulent transactions, which led me to believe the call was legitimate. He then identified XXXX additional larger transactions involving third-party transfers via XXXX XXXX and XXXX XXXX XXXX which I also confirmed were unauthorized. 

The caller stated he would place me on hold to contact the third-party institutions. When he returned, he walked me through steps to dispute the transactions through XXXX XXXX and XXXX XXXX and assured me SECU would follow up by email and issue a new debit card. 

After the call ended, I became concerned when no follow-up communication occurred. I called the same number back and spoke with a verified SECU representative who informed me that no fraud case existed and that I had been the victim of an elaborate phishing scheme impersonating SECU.

I immediately requested that SECU stop or reverse any pending transactions initiated by the scammers. I was told SECU could not intervene and that I would have to wait until the charges posted before filing a fraud claim.

This response was repeated by multiple SECU represent
atives, including staff at a branch location I visited the following day. As a result of SECUs refusal to act promptly after being notified, approximately {$4000.00} was transferred out of my account.

This handling contradicts SECUs own online services member agreement and my rights under Section VII of that agreement, which allows consumers to notify financial institutions of unauthorized electronic transfers and requires institutions to take prompt action to prevent further loss. 

SECUs failure to immediately freeze transactions, block ACH transfers, or take emergency mitigation steps after being notified of active fraud represents a serious breach of trust and a failure to safeguard member funds. 

I am submitting this complaint to request regulatory review of SECUs fraud handling procedures and to seek restitution for funds lost due to SECUs inaction after timely notice was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Overdraft fees w inaccurate information being reported without my consent and written consent

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report contains outdated and inaccurate addresses that are not my current mailing address. These incorrect addresses are being reported alongside my credit information and are causing improper matching and verification issues. 

I previously attempted to have this corrected, but the inaccurate addresses remain on my credit file. My correct and only current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Any other address appearing on my credit report is inaccurate, obsolete, and should be removed. I am requesting that all previous addresses be deleted and that my records be updated to reflect only my correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report contains outdated and inaccurate addresses that are not my current mailing address. These incorrect addresses are being reported alongside my credit information and are causing improper matching and verification issues. 

I previously attempted to have this corrected, but the inaccurate addresses remain on my credit file. My correct and only current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Any other address appearing on my credit report is inaccurate, obsolete, and should be removed. I am requesting that all previous addresses be deleted and that my records be updated to reflect only my correct address.

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 2025-12-14 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: MS

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Experian Information Solutions , Inc. and XXXX XXXX concerning a charged-off credit card account. 

The account is reported as charged off and closed as of XX/XX/2025, yet Experian continues to report a revolving balance of {$910.00} along with ongoing monthly delinquency history, which is being used in credit utilization calculations. A charged-off, closed account should not be treated as an active revolving tradeline or contribute to utilization. 

I previously disputed this issue with Experian, specifically requesting correction of the improper balance and utilization reporting. Experian verified the account without correcting the error and without conducting a reasonable investigation. This suggests reliance on automated verification rather than a substantive review. 

This reporting is misleading and inaccurate and violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation after dispute Because the account is charged off and closed, it should not report as a revolving account or inflate utilization metrics. If accurate reporting can not be verified, the account should be deleted.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>. Bank of America report the INCORRECT amount of credit card debt to XXXX & XXXX. 
On XX/XX/year>. I made a {$3000.00} payment on my credit card. Bank of America reported I owed {$6800.00} on XX/XX/year>. The correct amount was {$3800.00} I made a {$3000.00} payment to my Bank of America credit card on XX/XX/year>. 
MY SCORE WAS LOWERED BY XXXX POINTS because Bank of America reported the incorrect amount of credit card debt. I was penalized for PAYING {$3000.00} on my credit card, my score should increase not decrease.

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 2025-12-14 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I HAVE CONTACTED CITI BANK SEVERAL TIMES CONCERNING THIS FRAUD ACCOUNT IN MY NAME AND NO HELP, WHEN I RECEIVED THE FIRST INQUIRE TO OPEN THIS ACCOUNT I CALLED AND DISPUTED IT WITH CITI BANK AND THE CREIT BUREAUS AND CITI BANK REQUESTED THIS FRAUD INQUIRE TO BE REMOVED AND PLACE A FRAUD ALERT ON MY CREDIT FILE. NO HELP, I CALLED EVER MO AND TALKED TO THE XXXX  DEPARTMENT AND THEY KEPT TELLING ME NOT TO WORRY ITS NOTED ITS A FRAUD ACCOUNT AND IT WAS SENT OVER TO BE CLOSED AND REMOVED FROM MY CREDIT FILE. NEVER HAPPENS

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 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
I dont have the exact dates, but sometime I think in 2023 Cashapp closed my account for " violations of the contract ''. I appealed and I have wrote to cashapp again asking if anything can be done to reopen my account and also what my violations were. Again they tell me they can not disclose my violations and that my account is closed. All I want is a document to state what I did wrong. Im confused on why thats so hard to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: GA

Complaint narrative:
Delete and Remove Charge-Off - Stellantis Financial Services Account number XXXX, the car was stolen on XX/XX/year> and a police report was made.

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