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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, incomplete, and unverifiable accounts appearing on my credit reports with Experian, Equifax, and TransUnion, which I believe violate the Fair Credit Reporting Act ( FCRA ). Specifically, the reports contain the following items : Charge-Off Accounts : XXXX  XXXX ( Experian : XXXX, Equifax : XXXX, TransUnion : XXXX ) with balances of {$3900.00}, which appear to have incorrect or unverifiable Dates of First Delinquency ( DOFD ), inaccurate balances, and potentially re-aged or misrepresented delinquency dates, in violation of FCRA 605 ( c ), 605 ( a ), and 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ). Collection Accounts : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX, Acct : XXXX, Balance {$150.00} ) reported on all three bureaus, which may lack a permissible purpose for reporting under FCRA 604 ( a ) ( 3 ), contain unverifiable or inaccurate DOFD, and may include obsolete or misleading information, violating FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Late/Closed Accounts ( Experian only ) : XXXX  XXXX accounts ( XXXX, XXXX, XXXX  ) reported inaccurately as late or closed, with unverifiable payment histories and incorrect or missing DOFD, constituting a violation of FCRA 605 ( a ), 605 ( c ), 604 ( a ) ( 3 ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). These reporting errors are materially affecting my creditworthiness and ability to obtain fair credit. I have contacted each bureau to dispute these accounts, but the information remains uncorrected or unverifiable.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> at around XXXX, I visited the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, CA to request a cash advance using my XXXX debit card. At the first teller window, the teller told me that their system had crashed before the transaction could be completed and directed me to another teller. 

Immediately afterward, XXXX showed that {$3400.00} had been withdrawn from my account by Chase. XXXX confirmed that the transaction processed at the exact time the Chase system crashed.

When I returned to the counter and explained this, Chase staff repeatedly told me the transaction did not go through, even while I showed them the withdrawal on my XXXX app. They insisted nothing was approved, even though the withdrawal was visible and confirmed by my bank. 

I requested : a receipt showing the attempted cash advance documentation confirming whether the transaction processed verification of the system crash bank-to-bank confirmation with XXXX ( who was on the phone at the time ) an explanation for why the funds were withdrawn Chase staff refused all assistance. They stated they dont talk to other banks, refused to review the transaction, refused to provide any documentation, contradicted themselves multiple times, and told me to refresh my app. 

I was left crying and panicked in the lobby for nearly XXXX minutes with my XXXX children while staff walked away from me, avoided answering questions, and did not attempt to help. No one investigated the issue, escalated it, or offered any explanation. 

This unauthorized withdrawal caused financial harm because the funds were intended for a scheduled housing move-in payment. Chase initiated the withdrawal, but the branch refused to acknowledge it or provide any support. 

I am requesting investigation into : the unauthorized {$3400.00} withdrawal the system crash and how it triggered the transaction the branchs refusal to assist or provide documentation the conduct of the employees involved I have also submitted complaints to the OCC and to the Chase XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our company XXXX XXXX XXXX XXXX ) account # XXXX was due to receive a wire transfer of {$260000.00} from XXXX Bank on XX/XX/year>. The XXXX XXXX XXXX XXXX ( XXXX ) provided by the remitting bank is XXXX. 

The remitting bank has confirmed in writing that the funds have been delivered to Wells Fargo, but our company account has not yet received them. I am formally complaining about this failed wire transfer and request that you : a. Immediately initiate an internal investigation and, within XXXX hours, use the XXXX to determine the exact location of the funds in the Wells Fargo system. 

b. Correctly credit the funds to our company account, or provide a written explanation and immediately process a full refund. 

c. Provide the official case number for this complaint.

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: Self Financial Inc.
State: CA

Complaint narrative:
Re : Formal Demand for Investigation & Permanent Deletion of Multiple Inaccurate, Incomplete, and Unverifiable Accounts To Whom It May Concern : This letter serves as a formal dispute and demand for reinvestigation of several accounts that appear on my consumer file. These accounts contain significant inaccuracies, conflicting data, re-aged derogatory information, unverifiable payment histories, and violations of the FCRA, TILA, and applicable federal privacy regulations. 
Under FCRA 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ), any information that is inaccurate, outdated, misleading, or unverifiable must be deleted immediately. 


SELF / XXXX XXXX XXXX Account No. : XXXX Original Balance : {$520.00} Status : Paid & Closed Last Payment : XX/XX/XXXX Violations & Issues : Reported XXXX and XXXX-day late payments that contradict account closure timing Inconsistent data across several months Incorrect reporting for a closed and fully paid secured loan Violations of FCRA 607 ( b ) due to repeated inaccuracies SELF FINANCIAL / LEAD BANK Account No. : XXXX Original Balance : {$530.00} Status : Paid & Closed Last Payment : XX/XX/XXXX Violations & Issues : Late payments inaccurately reported XXXX and XXXX-day lates are unverifiable and do not match final records Improper reporting on a closed, collateral-paid account Violations of : FCRA 607 ( b ) ( accuracy ) FCRA 602 ( A ) ( maximum possible accuracy ) Potential TILA discrepancies on secured loan terms XXXX Account Number : XXXX Type : Installment Status : Charged Off Issues Identified : Past due amount ( {$170.00} ) contradicts remaining balance ( {$160.00} ). 


No payment history available despite charges and late statuses. 


Status updated in XXXX with no supporting documentation. 


Under FCRA and TILA compliance standards, this account is inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
They declined several attempted transactions for 2 weeks saying for suspicious activity, when I check the statement I noticed them and but one they let it succefully pay apple for .. I don't shop at XXXX I don't have XXXX .I realized my debit card was gone and reported it .. well the attempts are still being made from a debit card I cancelled and they still haven't refunded my money .. say it take 45 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding with Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation of my transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Loan Holder : Ally Financial Vehicle : XXXX  XXXX XXXX Purchase Date : XXXX Purchase Price : {$34000.00} Selling Dealer : XXXX XXXX XXXXXXXX ( now permanently closed ) I purchased this vehicle in good faith, but it developed severe transmission failure less than two years after purchase. The dealership that sold it is now permanently closed for deceptive practices. The warranty was never properly activated by the dealer, causing major delays and complications. Although the transmission was eventually replaced, the same problems continue, and the vehicle remains unsafe and unreliable. Ally Financial has refused to assist beyond instructing me to contact the warranty company and later suggesting surrendering the vehicle. I am paying for a loan on a defective vehicle I can not safely drive. Under the FTC Holder Rule, I am seeking fair relief from Ally Financial, including cancellation of the loan or a comparable resolution, because I am left with a defective vehicle and no support from the selling dealer, warranty company, or lender.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Equifax Re : Formal Identity Theft Affidavit & Legal Demand for Deletion/Blocking of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I, XXXX XXXX XXXX XXXX under penalty of perjury that I am the victim of identity theft and a data breach in which my personal identifying information was compromised and used without my knowledge, authorization, or consent. 

This affidavit is submitted pursuant to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), which requires consumer reporting agencies to block, delete, and cease reporting all information that resulted from identity theft upon receipt of a valid identity theft report. 

ACCOUNTS TO BE BLOCKED & DELETED IMMEDIATELY The following accounts/inquiries/data entries do NOT belong to me and were created as a direct result of identity theft : [ XXXX XXXX XXXX XXXXXXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are fraudulent, unauthorized, and must be permanently removed from my consumer file. 

THIS LETTER SERVES AS : A formal Identity Theft Affidavit A legal demand to block, delete, and suppress ALL fraudulent information Notification that continued reporting of these accounts would constitute a knowing violation of federal law LEGAL REQUIREMENT UNDER 15 U.S.C. 1681c-2 ( a ) : Under federal law, the credit bureau shall block the reporting of information that resulted from identity theft within 4 business days after receiving : 1. Proof of identity 2.Identification of the fraudulent information 4. A statement that the information is fraudulent All required elements are included with this affidavit.

YOU ARE HEREBY PUT ON NOTICE Failure to comply will be treated as willful non-compliance under 15 U.S.C. 1681n, subjecting your agency to civil liability, statutory damages, attorney fees, and punitive damages.

I expect written confirmation that all fraudulent accounts have been blocked, deleted, and permanently removed from my file. 

Attached are the required documents : Copy of my government-issued ID Proof of address List of fraudulent accounts I declare under penalty of perjury that the information in this affidavit is true and correct XXXX XXXX

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: 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: IL

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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: 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: CA

Complaint narrative:
All of my loans were past due 20 days on XX/XX/year>. There was a natural disaster placed on the account and four of my loans were automatically placed into the natural disaster forbearance on XX/XX/year>, except for loan XXXX. According to Nelnet, the natural disaster was not placed on loan XXXX because it had too low a balance. It was XXXX cents at the time. Because Nelnet did not put the loan XXXX into the natural forbearance, Nelnet reported to the credit bureau that my payment was late for the XX/XX/XXXX credit reporting. 

The natural distance forbearance ended XX/XX/year>, by XXXX was derailed by XX/XX/year> to XX/XX/year> Just because it was XXXX doesn't mean that it shouldn't be into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
I submitted a certified debt validation request to Radius Global Solutions, LLC on XX/XX/year>, regarding an alleged debt originally held by XXXX XXXX XXXX. Radius Global Solutions responded via generic letter, but failed to provide any legal documentation proving the debt was lawfully assigned or sold to them. They also did not include a copy of the original contract, itemized ledger, or payment history. > > Their letter includes conflicting account numbers and acknowledges the debt is time-barred, stating I can not be sued. However, they continue to pursue collection and threaten credit reporting, which I believe violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and may constitute deceptive practices.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
I am filing an official complaint against Fair Collections & Outsourcing for violating the FCRA and FDCPA. This company is reporting a derogatory collection account on my credit report but has failed to provide proper validation despite multiple attempts. They have not supplied a signed contract, billing statements, proof of assignment, itemized accounting, or date of first delinquency.

Fair Collections & Outsourcing verified the account with the credit bureaus but did so using automated e-OSCAR responses without reviewing actual documentation, violating FCRA 611 and 623.

As an active-duty service member, I am also protected under the SCRA, yet Fair Collections & Outsourcing failed to confirm my military status before reporting derogatory information. 

I am requesting CFPB intervention to require the deletion of this unverified account from all credit bureaus and review their noncompliance with FDCPA 809 and FCRA 623 ( a ) ( 1 ).

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : 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 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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief