vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am an Illinois resident disputing unauthorized and deceptive charges totaling {$21000.00} made to my Wells Fargo debit card and XXXX XXXX  account by XXXX XXXX XXXX / XXXX XXXX ( XXXX XXXX XXXX, XXXX VA XXXX ). 
Timeline : On XX/XX/year>, I requested to self-exclude my account for XXXX year. 
On XX/XX/year>, the merchant confirmed my account was restricted and that no further purchases could be made. 
On XX/XX/year>, the merchant allowed me to lift the restriction through an AI chatbot without verifying my identity or honoring a cool-off period, then processed {$21000.00} in real-money charges within four days. 
Issue : These transactions occurred after I revoked authorization and without my renewed, informed consent, making them unauthorized electronic fund transfers under Regulation E ( 12 CFR 1005.2 and 1005.6 ). 
XXXX XXXX also misrepresented itself as a free social casino, when in reality it accepted real-money payments and offered cash redemptions. This constitutes a deceptive practice that fraudulently induced my consent. 
Action Taken : I filed a formal dispute with Wells Fargo ( XXXX XXXX. XXXX ). 
I filed a consumer fraud complaint with the Illinois Attorney General on XX/XX/year> ( confirmation attached ). 
Wells Fargo has not yet credited my account or resolved the dispute under Regulation E timelines.

Requested Resolution : I request that Wells Fargo reimburse the full {$21000.00} in unauthorized charges, comply with Regulation E requirements for investigation and timely credit, and confirm steps taken to prevent deceptive merchants like XXXX XXXX from accessing consumer accounts.

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 2025-10-09 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 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 2025-10-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-09 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: NC

Complaint narrative:
I have previously disputed with TRANSUNION regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: RI

Complaint narrative:
I am receiving repeated emails and phone calls, including left messages. I attempted to set up a payment arrangement online as advertised, but the website is poorly designed and difficult to navigate. Now, my family members are also being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Request for Assistance : Failure to Remove Fraudulent Information and to Update Accurate Information by Early Warning Services Dear CFPB Team, I am writing to request your assistance in resolving an issue related to identity theft and inaccurate information being reported by Early Warning Services.

I have recently returned to the United States after living abroad for several years. Upon my return, I applied for credit and debit cards, but my applications were denied due to insufficient or incorrect information on my file.

After investigating the matter, I learned that Early Warning Services provides consumer information to financial institutions. I contacted them directly to dispute what I believe to be fraudulent and inaccurate information linked to my identity. I also submitted valid documentation supporting my claim that the information resulted from identity theft.

Despite following the proper procedures, Early Warning has refused to remove the fraudulent information or update my file with the correct and current data. This inaction is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C.

1681c-2 ), which requires that consumer reporting agencies block information resulting from identity theft within four business days of receiving appropriate documentation.

Because of Early Warnings failure to comply with the FCRA, I continue to face obstacles in accessing basic financial services. I respectfully request that the CFPB investigate this matter and ensure that Early Warning:1. Removes all information related to identity theft from my consumer report, and 2. Updates my file with accurate and current information so I can regain access to financial services.

Thank you for your time and attention to this matter. I am happy to provide any additional documentation you may require. 
The incorrect information, Id like to dispute : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX The accurate information is the following : My current address : XXXX XXXX XXXX XXXX XXXX, CA XXXX My current phone number : XXXX My current email address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Capital Ones handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Capital One numerous times and reporting discrepancies, my financial institution and Capital One failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Capital One has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-09 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
Im writing to respectfully request a goodwill adjustment for my account. This account has been paid in full, and I appreciate the opportunity your company provided me. I understand that accurate reporting is important, but I kindly ask that you consider removing this account from my credit report as a gesture of goodwill. Ive worked hard to maintain positive credit since resolving this balance, and removing this account would greatly help me continue improving my credit profile. Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting involving XXXX XXXX, which is being reflected on my credit reports by Experian, Equifax, and TransUnion. 

XXXX is currently reporting an account as active and collectible despite the fact that : The last payment was made in XXXX, and the account charged off in XX/XX/XXXXXXXX 
A lawsuit was filed in XX/XX/XXXX, but the judgment was vacated in XX/XX/XXXX. 
XXXX attempted to revive the case in XX/XX/XXXX using an alias summons, despite the original summons being discontinued under North Carolina Rule of Civil Procedure 4 ( e ). 
XXXX own statements confirm no valid activity or payments since XXXX. 

Despite this, XXXX is still furnishing the account to all three credit bureaus and falsely claiming that the debt is still enforceable. Their XX/XX/XXXX response to a previous CFPB complaint states : We have confirmed that your account has not passed the statute of limitations. 

This is factually incorrect and legally misleading. Under N.C.G.S. 1-52 ( 1 ), the statute of limitations for credit card debt is 3 years, meaning the debt became time-barred by XX/XX/XXXX at the latest. 

Furthermore : XXXX provided blank billing statements from XXXX that do not show any payment activity. 
They refuse to correct or remove the account and instead claim they will simply report it as disputed, preventing further challenges and leaving misleading negative information on my reports. 
This misrepresentation appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-09 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: NC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting involving XXXX XXXX, which is being reflected on my credit reports by Experian, Equifax, and TransUnion. 

XXXX is currently reporting an account as active and collectible despite the fact that : The last payment was made in XXXX, and the account charged off in XX/XX/XXXXXXXX 
A lawsuit was filed in XX/XX/XXXX, but the judgment was vacated in XX/XX/XXXX. 
XXXX attempted to revive the case in XX/XX/XXXX using an alias summons, despite the original summons being discontinued under North Carolina Rule of Civil Procedure 4 ( e ). 
XXXX own statements confirm no valid activity or payments since XXXX. 

Despite this, XXXX is still furnishing the account to all three credit bureaus and falsely claiming that the debt is still enforceable. Their XX/XX/XXXX response to a previous CFPB complaint states : We have confirmed that your account has not passed the statute of limitations. 

This is factually incorrect and legally misleading. Under N.C.G.S. 1-52 ( 1 ), the statute of limitations for credit card debt is 3 years, meaning the debt became time-barred by XX/XX/XXXX at the latest. 

Furthermore : XXXX provided blank billing statements from XXXX that do not show any payment activity. 
They refuse to correct or remove the account and instead claim they will simply report it as disputed, preventing further challenges and leaving misleading negative information on my reports. 
This misrepresentation appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The 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 2025-10-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-09 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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