vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed my credit report and noticed several accounts and personal information items that are inaccurate and not being properly reported. Despite submitting previous disputes and providing documentation, these errors remain uncorrected. Some accounts are reporting incorrect payment history, balances, or account statuses, while certain personal details such as previous addresses and employer information are outdated or completely unfamiliar. I am requesting a reinvestigation to verify the accuracy of these items under the Fair Credit Reporting Act ( FCRA ). Please contact the data furnishers to confirm all reported information and delete or correct any unverifiable or inaccurate data.

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 2025-10-29 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: VA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Mishandling of Unauthorized ATM Withdrawals and Reversed Reimbursement by Wells Fargo Dear CFPB Representative, I am submitting this complaint to formally report Wells Fargo Bank, located at XXXX XXXX XXXX, XXXX, VA XXXX, for failing to properly investigate and resolve a series of unauthorized ATM withdrawals from my account, despite my timely dispute and enhanced security measures. 

Between XX/XX/XXXX and XX/XX/XXXX, four unauthorized withdrawals totaling {$390.00} were made at the same ATM ( ID XXXX, located at XXXX XXXX XXXX, XXXX, VA ). These transactions involved two different cards tied to my account : XX/XX/XXXX CARD XXXX {$150.00} XX/XX/XXXX CARD XXXX {$140.00} XX/XX/XXXX CARD XXXX {$93.00} On XX/XX/XXXX, I was issued a new debit card, changed my PIN, and enabled two-factor login. Despite these protections, fraudulent withdrawals continued using the new card. I did not authorize any of these transactions, and my physical cards were never lost, stolen, or shared. 

My fraud claim was denied by Wells Fargo, citing that a correct PIN was used. This response implied personal responsibility without providing evidence or conducting a transparent investigation. I was initially issued a partial reimbursement, which was later reversed without explanation. When I requested further action, Branch Manager XXXX told me to contact the business operating the ATM and stated that the bank could do nothing further. This is a deflection of responsibility and a violation of my rights under federal law. 

I am a XXXX veteran and loyal customer. I expect my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR Part 1005 ) to be honored. Wells Fargo failed to : Provide written confirmation of an investigation Offer a case number or timeline Deliver findings or evidence Uphold their duty to protect my account I am requesting CFPBs assistance in compelling Wells Fargo to conduct a proper investigation, reinstate the reimbursement, and provide a written explanation of their findings. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Home Depot sent me a credit card that I had not requested which I received on/about XX/XX/year>. I didn't think that much about it and destroyed the card. 
Unbeknownst to me someone fraudulently obtained the Home Depot credit card in my name without my knowledge and used to obtain {$5800.00} worth of materials from the store. 
I was unaware of the theft until XX/XX/year>, when I received a bill from Home Depot. I immediately notified Home Depot of the fraud and they said they would investigate.

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 2025-10-29 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I previously submitted a complaint ( ID : XXXX ) regarding a debt allegedly owned by LVNV Funding/Resurgent Capital Services . In their response, Resurgent provided an internal summary but refused to provide a copy of the purchase and sale agreement or contract proving ownership of the alleged debt. 

They stated they are not obligated to provide this. However, under the Fair Debt Collection Practices Act ( FDCPA ) and relevant case law, debt collectors must provide sufficient documentation to verify ownership and validity of the debt, especially when multiple transfers are involved. A simple typed summary is not legally sufficient. 

They also failed to show : A copy of the original signed contract or application Chain of title documentation ( assignment agreements ) Evidence of my responsibility for this alleged debt Their refusal to provide proper validation means they are continuing to collect and report an unverified debt, which violates : FDCPA 15 USC 1692g ( b ) FCRA 15 USC 1681s-2 ( b ) Im requesting that the CFPB re-investigate and instruct Resurgent to : 1. Provide legally sufficient proof of ownership and validation of the debt 2. Cease collection and remove the trade line from all credit bureaus until such proof is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I paid XXXX {$1100.00} with my JP Morgan Chase checking account ending in XXXX. The reservation was originally scheduled from XXXX XXXX to XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX several issues occurred from ignored guest communications to roaches to XXXX  XXXX on the property. After police reports were made on XX/XX/XXXX, I left the property on XX/XX/XXXX. I after I got to a safe place, I made a request for a full refund to be issued because of such a tragic and traumatic experience. My reservation was cut from XXXX XXXX - XXXX XXXX to XXXX XXXX to XXXX XXXX. I was refunded by the host {$510.00} on XXXX XXXX when the cancellation was initiated by me through XXXX to host. The host promptly accepted my cancellation hence part XXXX of the refund was initiated promptly. 

The remainder {$620.00} required an investigation by XXXX which took a week from XX/XX/XXXX. That refund was issued on XX/XX/XXXX. Each time I call XXXX  ambassadors reissue the refund and promise the processing and to check with my Bank. Its almost like they are reading a script. Each time I check- in with Chase bank, they have no pending transactions processed from the account ending in XXXX. The dates this refund has been initiated are : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Now that they are saying the new eta is XX/XX/XXXX. I can not wait that long as its already been one month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed several unauthorized inquiries on my credit report multiple times, yet they continue to remain. I have never applied to or given consent for these companies to access my credit file, making these inquiries entirely unjustified. It is unacceptable that after repeated disputes, these violations of my consumer rights still persist. I value my financial privacy and should not have to continue fighting to correct information I never authorized in the first place.

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 2025-10-29 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
SYNCB/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Different bureaus report 'Profit & loss write-off ', 'Unpaid loss ', and 'Charged off ' with differing dates and balances. 
FCRA 1681e ( b ) ; 1681i ( a ) ( 1 ) ; FDCPA 807 ( 8 ) Dalton v. Capital Assoc. ( 2001 ) ; Carvalho v. Equifax ( 2010 ) This account is inaccurately reported with inconsistent charge-off language and balance discrepancies. Please delete or pay per FCRA accuracy requirements. {$1000.00} violation

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 2025-10-29 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:
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 2025-10-29 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-29 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:
I am writing to formally dispute several inaccurate and unauthorized items currently appearing on my TransUnion credit report. I am a verified victim of identity theft and data breach. Therefore, I am requesting the immediate investigation and removal of all fraudulent and erroneous information in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B ( 15 U.S.C. 1681c-2 ), 615 ( f ), and 623 ( a ) ( 6 ).

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 2025-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
Credit ninja along with XXXX XXXX XXXX XXXX XXXX  have been harassing me. They called my loved one and give him a scare of his life. He said I listed him as my emergency contact. Scared him to death. They claimed they tried to reach me which is not true. I spoke with their agent and told them to provide me an accurate debt validation letter. 
Credit ninja is a fraudulent company tricking people into over paying for loans. They sold the said loan to different collections agencies who have been harassing my family and loved ones. 
When I asked for a validation of the debt, they did not provide it to me. 
They have resulted in false representations and harassment. 
This is unfair to me and my entire family involved. 
The information on said debt is inaccurate. 
They are even unable to provide me d said loan amount and how much they have gotten from my bank account. 
These people are fraudsters. I am requesting an immediate removal of this companys debt from my credit report. The information is totally inaccurate and false. They are predators

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-29 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: VW Credit
State: GA

Complaint narrative:
A late payment is incorrectly reported. Please reinvestigate and correct the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
This is a continuation of my previous CFPB complaint # XXXX. New violations have occurred that were not previously reviewed. 

LVNV Funding is reporting XXXX collection accounts as open and owed to them, even though LVNV Funding informed me during a phone call on XX/XX/year> that the accounts were no longer handled by LVNV and had been transferred to XXXX. When I contacted XXXX, I was told the accounts had already been transferred to XXXX. Despite this, LVNV is still reporting the accounts as current open collections. This is a false representation of ownership and breaks the legally required chain of title. 

LVNV Funding has failed to provide proper validation of the alleged debts. The documents they submitted were generic and did not include any proof of ownership, a signed agreement, or any itemized accounting of the balances. Continuing to report and collect without validation violates the FDCPA. 

LVNV did not mark the accounts as disputed until after my first CFPB complaint, even though disputes were already sent. This violates FCRA reporting accuracy requirements. 

These false and unvalidated collections are harming my credit and interfering with an active VA-backed home loan process. This is causing ongoing financial hardship for my household. Full deletion of both LVNV Funding collection accounts from all credit bureaus is the only appropriate corrective action. 

Thank you for your help.

Company response to consumer: Closed with non-monetary relief