vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am a long-standing Wells Fargo customer and my XXXX access was restricted after another individual accused me of fraud related to a small peer-to-peer transaction. I deny any fraud, misrepresentation, or wrongdoing.

The transaction involved the sale of a physical item for {$25.00}, which I shipped in good faith. Delivery was confirmed via tracking. The recipient claims they did not receive the expected item, despite delivery occurring. This appears to be a delivery dispute rather than fraud. 

Wells Fargo informed me that my XXXX privileges can not be restored unless t

he accusing party voluntarily withdraws their claim. This places my account access at the mercy of an unverified third party, without any independent review by the bank. I was not given advance notice of the restriction, no explanation of the evidence relied upon, and no meaningful opportunity to dispute or appeal the allegation. No finding of fraud has been provided, and no law enforcement report exists.

I am requesting a formal, independent review of this restriction, transparency regarding the basis for the action taken, and restoration of my XXXX access absent any substantiated finding of fraud.

Please note : I am attaching a receipt showing proof of shipment

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
A debt company keep contacting me about a debt that they claimed I still owed. I explain to the company the debt was paid already through a settlement. They should contact the original credit company to confirm it with them. They denied. I contacted the credit card company and they said I do not owe that debt anymore since it was paid. I called the collection that keeps calling me and explain what the original debt company said, they told me I have to pay it or else they taking me to court.

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: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: WA

Complaint narrative:
CREDIT KARMA XX/XX/year> NOTIFICATION " YOUR SCORE HAS CHANGED '' Rushed to app thinking the worst Nothing had in fact changed at all Contacted customer service... They looked into it but didn't find anything " We investigated ourselves and didn't find any wrongdoing '' XX/XX/year> Same exact thing No email follow up yet I also have multiple emails stating the same thing and in fact my score didn't change They're driving people to the site in fear to turn a profit from ad revenue. Falsehoods leading to monetary gains. That is the literal definition of the word fraud.

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:
Could you take a pass at this entry? It was written late and might be flawed.

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: TX

Complaint narrative:
The accounts listed are not associated with me ; please remove them within 15 days in compliance with the Fair Credit Reporting Act.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts Needing Attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Experian Information Solutions Inc.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed 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 2025-12-19 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed 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 2025-12-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was charged {$3200.00} across four transactions by XXXX XXXX for a volunteer, service, and leisure trip that the merchant later permanently canceled. I received written confirmation that all servicesincluding flightswere canceled. The merchant initially offered a partial refund of less than one quarter of the amount paid, but later rescinded the offer entirely. No services were ever delivered or made available. 

I filed a dispute with Capital One in early XX/XX/year> and submitted supporting evidence, including cancellation letters, proof that I never signed the contract containing refund terms, and receipts that did not include any refund policy. The contract with the refund and cancellation terms was something the merchant tried to get me to sign after the transactions were processed. I submitted screenshots of emails and text messages where the merchant repeatedly attempted to get me to sign their contract. 

I also provided Capital One with proof that I purchased my own flight, accommodations, XXXX, and other related expensescosts that were originally supposed to be covered by the merchant. I also included a copy of the full contract that outlined the refund policy, which I never signed. All of this was included in the dispute packet I submitted both by email to XXXX and by certified mail to : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Despite this, Capital One denied my claim three times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), stating that the merchant provided sufficient information, that the services were made available, and that the charges were valid. However, the merchants chargeback response included only a screenshot of their website refund policythere was no signed contract, no confirmation that I agreed to the policy, no proof that services were delivered, and no refund terms disclosed at checkout. 

This is a clear case under XXXX Chargeback Code 4853 Services Not Provided. Capital One refused to reverse the charges or provide any justification that complies with XXXX dispute rules. 

This was my first-ever dispute with Capital One, and I was never issued provisional credit. Im requesting CFPB assistance to ensure this matter is resolved fairly under applicable card network and consumer protection regulations.

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: CA

Complaint narrative:
I am submitting this complaint regarding an unauthorized line of credit / credit card account allegedly opened by XXXX XXXX XXXX that is appearing on my Equifax credit report. I did not apply for, authorize, consent to, or benefit from this account. The account is the result of identity theft and is fraudulent. 

XXXX XXXX Account number XXXX XXXXXXXX Opened on XX/XX/year> Despite the account being unauthorized, it has been reported to Equifax and is negatively affecting my credit profile, including my credit score, credit history, and overall creditworthiness. The continued reporting of this fraudulent account is causing ongoing financial harm and is preventing me from obtaining fair and accurate credit. 

Summary of Violations and Consumer Protection Laws The actions and inactions of XXXX XXXX XXXX and the continued furnishing of this account violate multiple federal consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b ( Permissible Purpose ) : Credit information may only be furnished and reported when there is a valid, permissible purpose. I never initiated or authorized this account, and therefore no permissible purpose exists.

1681s-2 ( a ) ( Duty to Furnish Accurate Information ) : Furnishers must not report information they know or should know is inaccurate or fraudulent. 

1681s-2 ( b ) ( Duty to Investigate Disputes ) : Upon notice of dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate information.

1681c-2 / 1681c-3 ( Identity Theft Protections ) : Creditors and credit bureaus are required to block reporting of information resulting from identity theft when properly identified.

1681e ( b ) ( Accuracy Requirements ) : Reasonable procedures must be followed to ensure maximum possible accuracy of consumer credit information.

2. Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq.

Protects consumers from liability for unauthorized credit card or credit account activity.

Prohibits holding consumers responsible for charges or accounts they did not authorize.

3. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

Requires meaningful disclosure and valid consumer authorization before opening or extending credit.

Any credit extended without my knowledge or consent violates these requirements.

4. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 & 5536 Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Reporting and maintaining a fraudulent account that damages a consumers credit constitutes an unfair and abusive practice. 

Attached along with evidence of these accounts appearing on my report you will see my data was also compromised during the Equifax Data Breach.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
i got a XXXX dollar american express gift card which isnt an accept payment method anywhere though it claims its accepted everywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I am being pursued for a debt I do not owe due to XXXX failure to properly complete a Transfer of Responsibility. On XX/XX/year>, I transferred my XXXX line to another account holder. A representative assured me that all charges and financial responsibility would transfer, and my account was subsequently closed. 

Despite this, XXXX failed to transfer the full balance, leaving a remaining amount on my closed account that was sent to collections under my name. At the same time, XXXX continued billing both me and the other account holder for the same charges.

I contacted XXXX multiple times by phone and in person at a retail store, requesting documentation and written confirmation of the Transfer of Responsibility, account closure, and any remaining balance. XXXX refused or failed to provide these records. The collection agency stated they can not remove the debt without documentation, creating an impossible situation where XXXX refusal prevents me from disputing the debt. 

I also disputed the charge with my bank, which sided with me and reversed the payment, confirming that I am not responsible for this debt. 

I am requesting that XXXX remove this debt from my name, correct any credit reporting, provide written confirmation that I am not responsible for the balance, and stop all collection activity related to this debt. 


I disputed the charge with XXXX  XXXX XXXX for {$210.00} ( Claim ID : XXXX, opened XX/XX/year> ). The bank reviewed the claim and reversed the payment in my favor. I no longer have the PDF documentation as it is no longer available through the bank portal.

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:
Would you mind checking this entry? Its possibly inaccurate.

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: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime put my account on restricted for 2 days. The day my account was unrestricted, I got my paycheck from work. I went to make a purchase but it got declined a few times before I realized my account was restricted again .. A few hours later my account gets closed and they kept my entire paycheck. I called the number because I felt like the decision had been made in error. After speaking with XXXX agents I was told my account was closed due to a suspicious transaction but they wont tell me what transaction it is. They told me Im not eligible for a refund so any money in the account is stuck. I worked XXXX hours a week and XXXX is next week. I dont owe chime a cent.

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

Complaint narrative:
In accordnace with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of identify theft, there are inquiries on my report that do not belong to me & this needs to be removed immediately. The inquiries on my report from Transunion are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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