vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-07 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: FL

Complaint narrative:
I am filing this formal complaint against inaccurate, misleading, and unverified information being reported on my credit profile. The listed item below contains false data that has caused me ongoing harm, financial stress, and emotional distress. I have previously attempted to resolve this matter directly with the credit bureaus and data furnisher, but the issue remains unresolved. I am requesting a full investigation and enforcement action in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Balance : {$360.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account has no valid verification or supporting documents. It violates FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( a ). Repeatedly verifying without proof is unlawful ; this account must be deleted from my file. 

XXXX XXXX XXXX XXXX XXXX  XXXX  Balance : {$4400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection is unverified and incomplete. Reporting without proof or creditor validation violates FCRA 611 ( a ) and FDCPA 809 ( b ). It must be removed to ensure accuracy and compliance. 

I am requesting the CFPB to intervene and require the furnisher and credit reporting agencies to immediately conduct a lawful reinvestigation, provide full documentation proving the validity of this account, and delete this inaccurate entry from my credit report if such verification can not be produced. Continued reporting of this unverifiable information is a direct violation of my rights under federal law, and I seek full enforcement action to ensure compliance and correction of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Someone called Wells Fargo yesterday framing me and stating they needed to transfer XXXX from savings to checkings. It was successful and were able to create a transaction on my Checkings account for {$1800.00}. The only verification Wells Fargo has is ( my voice is my password ) no other identifiers such as my social or debit card number were asked. I am a XXXX XXXX of XXXX kids and all my savings was exhausted. I believe they need to have more security.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Review this entry ; it seems to have been posted late and XXXX be incorrect.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Banking with Chime Ive just had one of the worst customer service experiences Ive ever encountered while dealing with your dispute team supervisor. I was repeatedly talked over and ultimately hung up on.

Its extremely frustrating to know that I was refunded by the merchant, yet due to what appears to be a system error or glitch on your end, my refunds were never fully credited to my account. On XX/XX/year>, there were a total of XXXX refunds, but only XXXX were credited. Despite multiple attempts to resolve thisincluding speaking with a supervisormy issue remains unresolved. 

At this point, I intend to close my account once the remaining refunds are posted, along with my husbands and childrens accounts. Ive been a loyal customer, but this level of service is unacceptable. 

Please have someone review this matter immediately and confirm when I can expect the remaining refunds to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am filing this formal complaint against inaccurate, misleading, and unverified information being reported on my credit profile. The listed item below contains false data that has caused me ongoing harm, financial stress, and emotional distress. I have previously attempted to resolve this matter directly with the credit bureaus and data furnisher, but the issue remains unresolved. I am requesting a full investigation and enforcement action in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is not accurate or verifiable. Continuing to report false information violates FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). Remove immediately to maintain accuracy as required by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Balance : {$9500.00} Date Opened : XXXX XXXX XXXX  This account remains unverifiable and inaccurately reported. No proof of balance or ownership has been provided. Reporting false charge-off data violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). Please delete immediately as required under 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX Collection Balance : {$4400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection is unverified and incomplete. Reporting without proof or creditor validation violates FCRA 611 ( a ) and FDCPA 809 ( b ). It must be removed to ensure accuracy and compliance.

I am requesting the CFPB to intervene and require the furnisher and credit reporting agencies to immediately conduct a lawful reinvestigation, provide full documentation proving the validity of this account, and delete this inaccurate entry from my credit report if such verification can not be produced. Continued reporting of this unverifiable information is a direct violation of my rights under federal law, and I seek full enforcement action to ensure compliance and correction of my consumer 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 explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I respectfully request the removal or correction of the following accounts that I believe are inaccurately reported : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 a confirmed victim of identity theft.

Pursuant to 15 U.S.C. 1681c-2, you are hereby notified that the listed account ( s ) were opened fraudulently without my authorization or consent. I am formally requesting that you block and delete all information relating to these fraudulent accounts from my credit file within fourteen ( 14 ) days of receipt of this notice.

This notice is accompanied by my identity-theft affidavit, government-issued identification, and proof of address, satisfying all verification requirements under 1681c-2 ( a ). Failure to block or delete this information within the statutory timeframe constitutes willful noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 16810, subject to civil penalties and attorney 's fees.

Please provide written confirmation that the fraudulent tradeline ( s ) have been deleted and that no further reporting or reinsertion will occur without certification from the original creditor as required under 1681i ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint regarding inaccurate and unverified accounts being reported on my credit report by certain furnishers. Despite not having any relationship, contract, or obligation with these companies, they continue to report false information that is damaging my credit reputation and financial stability. I have disputed these items with the credit bureaus, but they remain uncorrected. 
Below are the accounts in question : XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Collection Issue : I have no knowledge or record of this account. Reporting a {$0.00} balance as a collection is inaccurate and misleading. I never authorized or agreed to this account. Please delete it if it can not be verified with proper documentation from the original creditor. 
XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Status : Collection Issue : I do not recognize or owe any debt to this company. No contract, statement, or validation has ever been provided to me. This account is false and unverifiable and must be deleted in compliance with FCRA 1681i and FDCPA 1692g ( b ). 
Both of these furnishers are reporting false and unverifiable information in violation of the FCRA and FDCPA, which has caused me credit denials, stress, and financial hardship. I am requesting CFPBs assistance in investigating these companies and ensuring the deletion of these inaccurate accounts from all three credit bureaus. 
I have attached copies of my ID, proof of address, and highlighted credit report showing the disputed accounts for your review. 
Requested Resolution : Immediate investigation into XXXX XXXX and XXXX XXXX for false reporting Permanent deletion of the inaccurate accounts from all credit bureaus Written confirmation of corrective action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: 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 explanation
Consumer complaint received 2025-11-07 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: 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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
On XX/XX/year>2025 I agreed to purchase by phone {$8500.00} of furniture from XXXX XXXX  in XXXX XXXX XXXX VI that was promised by XXXX 2025 on my CITI credit card. My agent was only able to receive {$750.00} of merchandised requested. After numerous trips to pickup promised merchandise, XXXX XXXXXXXX continuously sold merchandise to other customers. Tried contacting XXXX XXXX, Owner, numerous times for merchandise by phone and by agent stopping at her place of business. Never received merchandise and owner avoid answering phone or any personal contact with XXXX XXXX ( myself ) or XXXX XXXX my agent working for me in XXXX XXXX. Contact CITI about not receiving mechandise. I have sent CITI all the documentation providing information about returning the {$750.00} worth of mechandise receive which I was unable to do because owner was never in, to request at least I am only billed for the amount of mechandise I have received ( {$750.00} ), and not the remaining {$7700.00} for mechandise I did not receive. I can provide you with the 15 pages of documents I sent CITI about my calls and all other dates they requested. I also sent them a arrest warrant for the owner that was issued by the XXXX XXXX police department for theft of property.

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 2025-11-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-07 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
My Bank of America loan was paid off in XX/XX/year> and the loan payoff amount that the new finance company sent was more than the balance of the loan. I have not received a refund and I can no longer access any information about my vehicle loan online.

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 2025-11-07 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief