vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for inaccurate reporting of aXX/XX/XXXX Bankruptcy, Case No. XXXX. 
This bankruptcy is being reported on my credit file, but it is inaccurate, unverifiable, and incomplete under the Fair Credit Reporting Act ( FCRA ). The U.S. Bankruptcy Courts do not furnish consumer information directly to the credit bureaus. Instead, they rely on third-party data providers such as XXXX and XXXX. 
I have already submitted and received confirmation of suppression from XXXX ( ConfirmationXX/XX/XXXXXXXX ). This proves that the data can not be independently verified by the credit bureaus. 
I am requesting that the CFPB require the deletion of this bankruptcy from all of my credit reports immediately, pursuant to FCRA 607 ( b ) and 611, since the bureaus can not identify or validate any original furnisher of this information.

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 2025-08-31 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payment for the account ( Bk of XXXX ) : ( # XXXX * * * * * * * * * * ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated on time as they should be as I was NEVER late. Thanks.

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 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XX/XX/year>, I was instructed by a realtor to wire transfer a down payment to a Capitol One business account in New York City. However, the realtor didn't inform the account owner to expect the wire transfer. Upon receipt of the mysterious transfer, the account owner contacted me, explained that he was not involved and agreed to return my money ; {$50000.00} by wire transfer ( the limit set by Capital One ) and the remaining {$3000.00}, less fees, by personal check. Capital One put a hold on the return wire transfer to investigate potential fraud. When no fraud was found, Capital One requested a Hold Harmless letter and after much back and forth, Capital One insisted that the letter must come from my financial institution, XXXX XXXX XXXX XXXX, XXXX Oregon. This is a letter that my credit union could not share with me. I want to know what Capital One was asking to be held harmless for? The letter was prepared by my credit union and sent to Capitol One. There has been no response. My credit union has requested the return of the wire transfer - crickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
Got it heres a revised version of your CFPB What Happened statement that covers all three credit bureaus ( XXXX XXXX, and TransUnion ) instead of just XXXX : Draft Message for CFPB What Happened Section I am the victim of identity theft, and all three credit bureaus ( XXXX XXXX, and TransUnion ) are reporting multiple fraudulent accounts and unauthorized inquiries that do not belong to me. I never applied for or authorized the following accounts, yet they are reporting negatively on my credit reports : OPPLOANS/FEB {$1000.00} Opened XX/XX/XXXX Credence Resource Manage {$320.00} Opened XX/XX/XXXX Credence Resource Manage {$630.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$680.00} Opened XX/XX/XXXX XXXX XXXX {$4300.00} Opened XX/XX/XXXX to name a few In addition, there are multiple unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts and inquiries were not opened or authorized by me, and they are severely damaging my credit, preventing me from obtaining fair housing, employment, and financial opportunities. 

I have already submitted disputes, affidavits, and proof of identity to each bureau, yet the inaccurate information remains. I am requesting that the CFPB require Experian, Equifax, and TransUnion, along with the furnishers of these accounts, to comply with the Fair Credit Reporting Act ( FCRA ) including 604, 605B, 611, and 623 by permanently removing or blocking these fraudulent accounts and inquiries. 

I am attaching my identification and supporting documents to verify my identity and confirm that these accounts do not belong to 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 2025-09-01 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: MI

Complaint narrative:
Got it heres a revised version of your CFPB What Happened statement that covers all three credit bureaus ( XXXX XXXX, and TransUnion ) instead of just XXXX : Draft Message for CFPB What Happened Section I am the victim of identity theft, and all three credit bureaus ( XXXX XXXX, and TransUnion ) are reporting multiple fraudulent accounts and unauthorized inquiries that do not belong to me. I never applied for or authorized the following accounts, yet they are reporting negatively on my credit reports : OPPLOANS/FEB {$1000.00} Opened XX/XX/XXXX Credence Resource Manage {$320.00} Opened XX/XX/XXXX Credence Resource Manage {$630.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$680.00} Opened XX/XX/XXXX XXXX XXXX {$4300.00} Opened XX/XX/XXXX to name a few In addition, there are multiple unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts and inquiries were not opened or authorized by me, and they are severely damaging my credit, preventing me from obtaining fair housing, employment, and financial opportunities. 

I have already submitted disputes, affidavits, and proof of identity to each bureau, yet the inaccurate information remains. I am requesting that the CFPB require Experian, Equifax, and TransUnion, along with the furnishers of these accounts, to comply with the Fair Credit Reporting Act ( FCRA ) including 604, 605B, 611, and 623 by permanently removing or blocking these fraudulent accounts and inquiries. 

I am attaching my identification and supporting documents to verify my identity and confirm that these accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NORTHERN HILLS COLLECTIONS INC.
State: SD

Complaint narrative:
Northern hills collections spearfish sd. 

I do not know the dates or times but they contacted my ex. Husband and they are a friend of his. They divulged that I had collections, and he informed me, they were going to tell him what they were for come this week because it is a friend of his. My ex sent me some messages declaring, I needed to let him know what this was all about.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
The Department of Education continues to report a XXXX XXXX account in my name. I do not acknowledge this as my loan. I have repeatedly requested evidence that I actually received and used {$5400.00} in XXXX XXXX XXXX, and no such evidence has been provided. 

The Department previously stated they mailed me a copy of a promissory note, but I have not received it. Even if they produce a copy, a promissory note by itself does not prove that funds were disbursed and applied for my education. I need actual disbursement records and proof that funds were received and used in my name. 

This matter has now resulted in repeated back and forth without real proof. Continuing to report this account without providing full documentation through the CFPB portal is a violation of the Fair Credit Reporting Act 15 USC 1681i and 15 USC 1681e ( b ) and the Fair Debt Collection Practices Act 15 USC 1692g.

It is also misleading that the account is shown as Closed on some credit reports but also listed as a Collection Account with a balance. That is inconsistent and inaccurate reporting.

Without actual proof of funds received and used by me, this account is unverifiable and should not be reported against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: FL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Debt Collector or Creditor Name ] [ Collection Agency/Creditor Address ] [ City, State, ZIP Code ] Re : Account # [ Your Account Number ] Amount Owed : $ [ Amount ] To Whom It May Concern, I am writing regarding the above-referenced account, which I understand is currently in collections and listed on my credit report.

I do not admit to the validity of this debt but am willing to settle the account for the purpose of resolving the matter and improving my credit profile. I am willing to pay the amount of $ [ Proposed Payment Amount ] as full settlement of the debt, with the understanding that your company agrees to remove all information related to this account from all credit reporting agencies ( XXXX XXXX  and XXXX  ) upon receipt of payment. 
If you agree to the terms stated above, please provide a written confirmation on your company letterhead, signed by an authorized representative. Once I receive your written agreement, I will submit payment in the amount of $ [ Amount ] via [ your preferred payment method ]. 
Please note that I am not requesting a reclassification of the debt as paid or settled. I am requesting a complete deletion of all references to this account from my credit files. 
If you are unable to agree to these terms, please do not cash or deposit any payment I send. This offer is only valid if you agree to the deletion of this account from all credit reports. 
Thank you for your time and consideration. I look forward to your timely response. 
Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Chime Financial Inc
State: MS

Complaint narrative:
I do claim that Chime Financial Banking Service Inc. is selling individual account holder 's information to other technologies as their selves. On XX/XX/year> XXXX, which is another technology, such as Chime, fraudulently withdrew {$49.00} from my Chime card ending in XXXX. This is impossible for XXXX to do, being that I have never listed this card ending in XXXX with XXXX. I did a one-time transaction with XXXX, XXXX 1 year ago using a Chime Card ending in XXXX. I have never set up any ACH with XXXX to debit the Chime account. XXXX had to have been given authorization from card ending in XXXX which has been listed with Chime as lost and stolen. No one uses my Chime card but me, XXXX XXXX. For XXXX to receive money from Chime, has to be fraudulently performed. I have sent numerous emails to XXXX XXXX To close every account I have ever had with them. It comes back : We did not read your email. XXXX sending emails about debiting your account with no way of contacting them to file a fraud. Chime is a financial product of XXXX XXXX  and XXXX XXXX  fails to regulate Chime 's actions. The card is issued by XXXX XXXX, but when you contact XXXX XXXX  they send you to Chime and states they have no dealings with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was trying to send my rent money to my landlord who I previously sent money to last month. XXXX  refused to allow the money through. When I called the Help Desk, they refused to tell me why my payment was stopped and refused to help me fix the payment. They randomly refused for reasons they are unwilling to disclose and unwilling to fix the problem, forcing me to use alternative means to make my rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: LA

Complaint narrative:
I am disputing a collection account in the amounts of {$4600.00}, {$2600.00} and {$2600.00} being reported on XX/XX/year> by Dept. of Education/XXXX on my credit report. These accounts are inaccurate, unverifiable, and is being reported in violation of the Fair Credit Reporting Act ( 15 USC 1681 ). I previously disputed this account directly with the credit reporting agencies [ XXXX  / Experian / XXXX  ], but they failed to conduct a reasonable reinvestigation as required under 1681i ( a ) ( 1 ). Despite my disputes, no documentation proving the validity or ownership of this debt has been provided, yet the account remains. Under 1681e ( b ), credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Reporting unverifiable information does not meet this standard. Furthermore, 1681i ( a ) ( 5 ) requires that any information that can not be verified must be deleted from the consumers file. The furnisher ( Dept. of EducationXXXX ) also has obligations under 1681s-2 ( b ) to properly investigate disputes forwarded by the credit bureaus. To date, no supporting documentation or contract bearing my signature has been produced to establish the validity of this account. Because the credit bureaus and furnisher have not provided verification, I request the immediate deletion of this {$4600.00}, {$2600.00} and {$2600.00} collection accounts from my credit file. Its continued reporting is inaccurate, unverified, and causing ongoing harm.

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 2025-09-01 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:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which are, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C.

1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai is claiming that I owe them {$18000.00} on an account I have no knowledge of. I have contacted them multiple times on removing this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported to Wells Fargo the unauthorized use of my credit card XXXX  on XX/XX/XXXX while traveling in XXXX, because some charges appeared to have been made to my account that I personally never made, i realized about the unauthorized use of my credit card when i received the statement by email, same day i called to wells Fargo to let them know about the problem. The card never notified me of these suspicious purchases or checked if they were mine due to the high amounts. The high and unusual amounts on my card were more than suspicious. 

i reported XXXX purchases i never made XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX When I returned home, I found XXXX letters from Wells Fargo , basically they only canceled XXXX of the purchases made without my authorization and they assumed that I authorized the other XXXX purchases. 

I called the bank again on XX/XX/XXXX and was told the case was closed. I then complained to customer service again on XX/XX/XXXX, and the result was basically the same. I explained to them that the only place I thought someone could have taken my card without my authorization was when I got a massage near the beach on XX/XX/XXXX. 


Basically my problem is having had to pay for XXXX purchases that I never authorized for a value of {$2200.00} and {$2900.00}.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have an open checking account with this company. Im not understanding why its saying I have 5 late payments on a checking account. There is no such thing as late on a checking account. Please remove errors.

Company response to consumer: Closed with explanation