vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MD

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 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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Debt Collector : Online Information Services Alleged Account # : XXXX I am filing this complaint because Online Information Services is furnishing and/or attempting to collect an alleged debt that is unverified, unsubstantiated, and legally unsupported, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have formally disputed this account. Online Information Services has refused to comply with federal law by failing to provide any of the legally required validation. Despite being put on notice, they continue to report and/or pursue this alleged debt, which makes their conduct knowingly unlawful. 

Their refusal to provide validation violates : FDCPA 1692g ( b ) Continuing collection activity without first validating the debt FDCPA 1692e Using false, deceptive, or misleading representations FDCPA 1692f Engaging in unfair or unconscionable collection practices FCRA 1681s-2 ( a ) Furnishing inaccurate, unverified, or incomplete information FCRA 1681s-2 ( b ) Failing to perform a lawful investigation after a dispute FCRA 1681i Failing to conduct a reasonable reinvestigation I have demanded full validation, not selective or partial information. They have produced nothing. 

I specifically require the following documents, which have NOT been provided : 1. A copy of the original signed contract or agreement 2. All billing statements and a complete account history 3. A chain of ownership / chain of title 4. The assignment or purchase agreement 5. Proof the debt belongs to me 6. A detailed itemized breakdown of all charges, fees, and interest 7. The date of last payment and basis for the amount claimed 8. The original creditors full legal name and any previous owners 9. Proof that Online Information Services is legally authorized and licensed to collect this debt 10. Documentation showing the creditor has authorized them to furnish information to the credit bureaus Online Information Services has provided XXXX of the required documents, yet continues collection and continues furnishing derogatory information. This is illegal under federal law. 

Their conduct is reckless, negligent, and willful, causing direct harm to my employment, credit, and ability to secure loans. They are reporting a debt that they can not prove exists, can not prove is mine, and can not prove is collectible. 

Under federal law : A collector must cease ALL collection activity until validation is provided A furnisher must not report unverifiable information A furnisher must delete inaccurate or unvalidated accounts Online Information Services has blatantly ignored these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
b"- Opened a XXXX  checking acct in XXXX XXXX opted for online statements to avoid XXXX monthly fee.\n\n- Have received XXXX  deductions XXXX  times (monthly) since opening. 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 according to the XXXX XXXX XXXXr, there is no XXXX but the XXXX XXXX Statement shows a deduction date of XXXX- After inquiring why this deduction is being made, requesting that it stop, and correcting the error, I was told by both XXXX  and XXXX  at XXXX XXXX XXXX XXXX XXXX OH, that  XXXX XXXX  is responsible for this error, they cannot identify why these deductions are happening, will try to get them to stop, and said currently (I've been attempting to get this corrected for about a month) they cannot find a way to correct the error and credit my account.\n\n- I feel I'm entitled to have the deductions stop, a full credit in addition to penalties and compensation added, and a full explanation on why this incident occurred and what should cause me to have confidence in banking at this institution from this point forward."

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 monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IA

Complaint narrative:
XX/XX/year> I was charged for an atm withdrawal, the atm had an error and I was not given the money. Cash app, the bank i was using accepted my dispute. 2 days later, my account was closed, and I was told the atm withdrawal dispute was considered fraudulent. Today, XXXX i contacted the Atm company and they informed me that they had not received a dispute from cash app. This is a direct violation of federal law, and cash app refuses to continue my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. These accounts are inaccurate or improperly reported, and I request a thorough investigation. Please find below the details for each bureau : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Issue : My vehicle was damaged during a previous repossession, and the lender is refusing to address the damage while also threatening to repossess the vehicle again. 

Details : I own a 2021 XXXX XXXX. During a prior repossession, the repo company caused damage to my HVAC wiring harness, window switch, and electrical system. These issues did not exist before the repossession. The dealership confirmed the damage after the vehicle was returned. 

I notified the lender and requested a damage investigation, but instead of resolving the issue, the lender is continuing to pursue repossession. I am now at risk of another repo while the damage dispute from the first one remains unresolved. 

I am requesting : XXXX. A pause on all repossession activity while this dispute is investigated XXXX. A review of the damage caused by the previous repo XXXX. Instructions for filing a formal damage claim XXXX. Protection from further harm while the lender is notified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am writing to you to resolve this reinsertion and violation of my credit report and my rights as a consumer. this collection which is unknown is attempting to reach me for a debt which is not mine and which was removed from my credit report for its inaccuracy. 

this is from an unknown collection company reporting and with a huge balance only on transunion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX- Account # : XXXX - Date Opened : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  - - Account # : XXXX - Date Opened : XXXX Balance : {$170.00} INQUIRIES : XXXX. XXXX XXXX - XX/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
Consumer complaint received 2025-12-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally complain about the unresolved dispute associated with my Wells Fargo credit card ( ending in XXXX ) and dispute number XXXX. This dispute was initiated on [ date you filed the dispute, if known ; if unknown, state shortly after the transaction posted on XX/XX/year> ] regarding a {$76.00} transaction with XXXX ( posted on XX/XX/year> ). To date, over 60 days have passed, and there has been no update, resolution, or communication from Wells Fargo regarding this disputedespite the status being listed as Waiting on XXXX. 

The basis for this dispute is that XXXX violated its own return policy by refusing to provide a free return label, which is a mandatory requirement for eligible returns under their stated terms. I attempted to resolve this directly with XXXX multiple times [ if applicable : specify number of attempts or channels, e.g., via their customer service chat and email ], but they failed to honor their policy and denied my request for a return label. As a result, I was unable to return the item and am being wrongfully charged for a product I can not use or return.

Under the Fair Credit Billing Act ( FCBA ), credit card issuers are required to acknowledge a dispute within 30 days of receipt and resolve it within 90 days. However, Wells Fargo has not acknowledged my dispute beyond the initial automated confirmation, nor has any progress been made in the over 60 days since filing. This lack of action is unacceptable and has caused unnecessary financial inconvenience and frustration. 

I request that Wells Fargo : 1.Immediately investigate dispute number XXXX and provide a formal update on its status within 5 business days.

2.Enforce the FCBA requirements and resolve the dispute promptly, including issuing a credit for the {$76.00} charge if XXXX is found to have violated its return policy.

3.Provide written confirmation of the resolution and any credit applied to my account. 

Please contact me at [ your phone number ] or [ your email address ] if additional information is needed. I expect a timely and thorough response to this complaint, as I have exhausted all other avenues for resolution. 

Thank you for your attention to this matter. 

Sincerely,

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 2025-12-02 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: NY

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 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC about the way it is reporting an auto finance account from XXXX on my credit file.

As a matter of law, there is no requirement that TransUnion or any furnisher report an account to a consumer reporting agency. However, when they choose to report, the information they furnish must be accurate, complete, and not materially misleading. They can not selectively report only the negative aspects of an account and omit material information such as payment history. 

On my TransUnion report, the XXXX account is being reported with a derogatory status and a remark indicating that the account was a charge off and is now paid/closed, but no payment history is being reported at all. The tradeline omits the payments that were actually made on the account and does not reflect a full and accurate transaction history. By choosing to report this account while omitting the full payment history and only showing the derogatory notation, the information is incomplete and materially misleading to anyone who relies on the report. 

The Fair Credit Reporting Act requires that information furnished to a consumer reporting agency be accurate and not materially misleading, and that a consumer reporting agency conduct a reasonable reinvestigation when an item is disputed. In addition, to the extent any party involved in furnishing or using this information is engaged in collection activity, 15 U.S.C. 1692e prohibits the use of any false, deceptive, or misleading representation, including the communication of credit information which is known or should be known to be false or misleading. Reporting an account with only a negative label and no payment history, despite payments having been made, is misleading by omission. 

I am requesting that the CFPB require TransUnion to do the following : Either report the XXXX account with a complete and accurate payment history that reflects all payments made on the account, or If the furnisher can not or will not provide the full and accurate payment history, delete the XXXX XXXX from my TransUnion credit file rather than continue to report a partial, misleading version of the account. 

Reporting is a choice. Once TransUnion and the furnisher choose to report this account, they must report it in a way that is fully accurate and not misleading, which includes reflecting the full payment history and not just the negative status.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: DE

Complaint narrative:
Unauthorized funds was removed from my chime checking account not only once but thrice from a XXXX XXXX whom I've no idea who she is in the amounts of {$150.00}, {$2.00}, and {$350.00}.. I have filed a police report with detective XXXX from my local PD office in XXXX XXXX  which I've submitted to chime after the detective told me he knows who XXXX XXXX is and theft like this is what she does and these transactions are completely unauthorized .. chime still went ahead and denied my claims yet again .. despite the detective asking that they reach out to him with any questions or concerns.. I basically never stood a chance. I work very hard for my money and this is causing me a lot of emotional and mental distress .. ( please help ). It has really been an awful experience banking with chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am submitting this complaint to dispute inaccurate information related to my credit report. Below are the details for the accounts that I am disputing. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/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 Account Number : 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