vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Some guy call me saying they call from Chase Bank because they receive an alert for a transaction of {$2000.00} and another one for {$3000.00} and they wan na make sure that that money dont go anywhere and they made me tell them some information telling me they are from Chase Bank They give me a phone number saying theyre gon na give me a call to XXXX XXXX the money and it was a liar. Because when I put those code was the XXXX of the money they took out from my account. They made me give my address and my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-18 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: UT

Complaint narrative:
I made a purchase back in XXXX XXXX. I started a dispute and nobody contacted me requesting for documentation, receipts, proof or anything I put in a claim with Wells Fargo and they denied it completely fine directed me to XXXX  contacted XXXX  they direct me to Wells Fargo when I offered to send proof of what I have showing that I didnt make two purchases. They declined to even help me even offered a conference call because I kept getting bounced back back-and-forth. Wells Fargo did decline me.

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i have gone 5 moths to resolve this confusion with the credit bureaus and with the company itself and o have had no luck. they do not respond with validation to verify this is mine and therefore they havent deleted it either. i have read up on the fcra and also the fdcpa and my rights have been violated as per them. so i need this to be removed and i need your help to solve this please as i read also about your company that you help us out as consumers and i need help. the name of the company is citi bank. for the XXXX amount of like XXXX XXXX dollars.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have 2 balance transfer promos on my citibank credit cards one expires in a few days with zero percent interest and then another in XX/XX/XXXX with 0.99 % interest. I made an {$800.00} payment and all put a few dollars when to the promo that is expiring next year. I inquired and requested that the large payment be allocated to the balance that is expiring in a few days. They said they applied any payment over my {$41.00} minimum payment to the higher interest first. I have the Balance Terms and Conditions they sent me when I got the 2 balance transfers ( the 0 percent was acquired FIRST ) The languange in the XXXX said they " MAY '' apply the portion of your minimum payment due to lower APR balances first. Then it goes on to say " GENERALLY '' payments above your minimum payment due will be applied to your highest rate balance first. I requested them to reallocte my {$800.00} payment and they indicated they don't do that and that they would request a review. Now I don't have any other regular purchases balance only the 2 balances transfers so now my {$800.00} payment went almost 95 % to the balance transfer that expires in 8 months and appears only the {$41.00} minimum payment went to my 0 percent that expires in XX/XX/XXXX. The language on the XXXX  is left up for the bank to do what they want with my money. I feel this is very misleading to the consumer and now I will incur unwarrantied finance charges b/c of how they allocated my very large payment. I have never been late and current on all payments.

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 2025-09-18 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : ACCOUNTS : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Balance : {$100.00} Hard Inquiries : ( Organized by inquiry date ) XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX, filed with the XXXX Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

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 2025-09-18 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud, within 4 business days of your receipt of this complaint. 

The fraudulent, inaccurate, and false information consists of personal credit card accounts opened without my knowledge or authorization, including but not limited to : ACCOUNTS : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Balance : {$100.00} Hard Inquiries : ( Organized by inquiry date ) XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX These unauthorized accounts have also resulted in several fraudulent hard inquiries and fraudulent collections now appearing on my consumer FICO credit report. 

I have attached : A list of the hard inquiries in question A copy of my consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items A copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX, filed with the XXXX Federal Trade Commission, as formal proof that these accounts, collections, and inquiries are the result of identity theft and fraud I do not recognize any of the above accounts, collections, or hard inquiries. These were not opened, made, or initiated by me. They are the result of criminal identity theft, and I request that you promptly block this information from my credit report, as required under FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received 2 statements with account numbers ending in XXXX and XXXX. I never opened accounts or received credit cards with those ending numbers. My VISA Citi cards were XXXX and the two account numbers in question were some other type of name. It is possible that Citi might have been issuing new cards to me and they were stolen and someone else used the cards. I never received the cards that have these ending numbers.

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 2025-09-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
Company : Affirm , Inc . 
Product/Issue : Retail financing / point-of-sale loan billing dispute ( non-receipt of goods ) Loan ID : XXXX Merchant : XXXX XXXX XXXX  ( Order # XXXX ) I am being required by Affirm to pay a loan for merchandise I never received. I placed an order with XXXX XXXX XXXX  on XX/XX/year> and, after XXXX confirmed the item was backordered, I canceled in writing on XX/XX/XXXX and again on XX/XX/year>, as they did not respond to my emails or phone calls. No tracking or shipment was provided at any time prior to my cancellation. Despite this, Affirm denied my dispute twice while citing the merchants store policy. Affirms own correspondence also notes the merchant offered a partial refund ( 80 % ), which confirms the order was not built or shipped when I canceled. This is a non-receipt of goods situation under the Fair Credit Billing Act ( FCBA ). A private store policy can not override federal protections. 

On XX/XX/year> an installment became due and Affirm has continued to bill, send collection messages, and keep the loan active while the dispute is pending. On XX/XX/year> the merchant informed me they shipped the item after my documented cancellation. I will refuse delivery ; any post-cancellation shipment is unsolicited and does not create an obligation to pay.

I am being bullied by two entities into paying for a backordered product I cancelled. 


Key dates : Order placed : XX/XX/year> Cancellation emails sent : XX/XX/year> and XX/XX/year> First payment due ( now shown overdue by Affirm ) : XX/XX/year> Affirm Dispute '' case opened : XX/XX/year> Affirm " Complaint '' case opened : XX/XX/year> Merchant notice of shipment ( after cancellation ) : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX BANK - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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