vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to submit a formal dispute regarding the accuracy of certain items on my credit reports. Below is a detailed account of the disputed items, separated by bureau. These items include charged-off accounts, inquiries, positive items, and late payments. 

Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX Account Number : 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 2025-12-01 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: LIVE OAK BANCSHARES, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX. My account with them has been closed, yet they have not released my remaining balance of approximately {$950.00}. Despite the account being closed and unusable, XXXX XXXX XXXX  continues to charge me {$10.00} maintenance fees, including XXXX deducted today. 
I have attempted to resolve this directly with the bank, but I have been unable to get my funds returned. I believe this is an unfair business practice, as the bank is charging fees on an account I can not access and withholding my money without valid explanation. 
Impact : This has caused financial hardship and delays, as I need full access to my own funds. The continued deductions are reducing my balance and further harming me. 

I am requesting : Immediate release of the full remaining balance in my closed account. 
Refund of all improper maintenance fees charged after the account was closed. 
Confirmation that no further fees will be deducted. 
Amount involved : {$950.00} ( less the fees taken ). 
Date of most recent improper fee : Today ( a {$10.00} maintenance fee ). 

The account name is XXXX XXXX XXXX and the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Experian is reporting inaccurate and unverifiable information on my credit report, including a bankruptcy public record and multiple old/paid accounts that Experian claims they verified, although no verification took place with the original source.

I disputed these items through Experians system. Instead of conducting a real investigation, Experian relied on an automated system to verify the items without contacting the original source of the information. Bankruptcy courts do NOT report information directly to Experian, yet Experian claims a third party certified the information. The furnisher of the information was not identified.

Under FCRA 611 ( a ) ( 7 ), I requested the Method of Verification. Experian refused to provide : The name of the furnisher The address and phone The date the item was verified The procedure used to verify the disputed information Experian simply responded that the item remains, which is not a valid response and does not satisfy federal law. 

Experian is also reporting old, outdated, or previously paid accounts inaccurately. These accounts should have been updated or removed but are still reporting incorrect information, and after dispute, Experian again refused to provide the method of verification.

Experian is in violation of : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or correct unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification FCRA 607 ( b ) Failure to maintain maximum possible accuracy I am unable to obtain housing, fair credit, and financial stability due to Experians negligent handling of my disputes.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Experian is reporting inaccurate and unverifiable information on my credit report, including a bankruptcy public record and multiple old/paid accounts that Experian claims they verified, although no verification took place with the original source.

I disputed these items through Experians system. Instead of conducting a real investigation, Experian relied on an automated system to verify the items without contacting the original source of the information. Bankruptcy courts do NOT report information directly to Experian, yet Experian claims a third party certified the information. The furnisher of the information was not identified.

Under FCRA 611 ( a ) ( 7 ), I requested the Method of Verification. Experian refused to provide : The name of the furnisher The address and phone The date the item was verified The procedure used to verify the disputed information Experian simply responded that the item remains, which is not a valid response and does not satisfy federal law. 

Experian is also reporting old, outdated, or previously paid accounts inaccurately. These accounts should have been updated or removed but are still reporting incorrect information, and after dispute, Experian again refused to provide the method of verification.

Experian is in violation of : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or correct unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification FCRA 607 ( b ) Failure to maintain maximum possible accuracy I am unable to obtain housing, fair credit, and financial stability due to Experians negligent handling of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: APPLE FINANCIAL HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a wire transfer to an account holder from my bank to Apple Bank XX/XX/year>. 
It was flagged as potential fraud and Apple placed a hold on the funds. 
I have contacted them numerous times about this. My bank has also contacted them several times, and has submitted necessary request forms and emailed them. 
Still no refund and no information regarding progress or estimated timeframe. 
I am very concerned about the lack of progress and would like my money refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
This record is not an accurate reflection of my financial conduct. Please investigate and update my report as needed.

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 2025-12-01 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 2025-12-01 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: CA

Complaint narrative:
A XXXX XXXX fraudulent credit card account that was already removed from my Experian and TransUnion reports under FCRA 605B has now been illegally reinserted on BOTH bureaus. I was not notified of the reinsertion within XXXX business days as required by FCRA 611 ( a ) ( 5 ) ( B ). 

This account is part of my documented identity theft case ( FTC Identity Theft Report # XXXX ). All three bureaus previously removed this XXXX XXXX account because the furnisher could not verify it. The reinsertion of deleted identity theft data without notice is a direct FCRA 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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint because a debt associated with the above account is being reported and/or collected without proper validation. I requested verification of this debt, including documentation proving the accuracy of the amount, the original agreement, and the collectors or creditors legal authority to pursue the debt. To date, I have not received any of the required debt validation documents, including :

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 2025-12-01 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: CA

Complaint narrative:
I am writing to dispute certain information on my credit reports as detailed below. I believe these items are inaccurate or incomplete and would like them to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXXXXXX XXXX - Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX - Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} XXXX XXXX Date : XX/XX/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 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Since filing my complaint with the XXXX, I am no longer able to dispute transactions online with Wells Fargo. They have deliberately restricted my account, forcing me to contact them directly which is a clear act of retaliation for speaking up. 

Unlike other major banks, Wells Fargo showed no leniency or understanding during the pandemic. Instead of support, they chose to exploit customer data. 

Banking with Wells Fargo is like being in an abusive relationship with a narcissist. They are retaliatory, unhelpful, and designed to make you feel trapped. I have banked with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, and none exhibit this same pattern of harmful behavior. 

As my XXXX  bank, closing my accounts would further damage my credit score, which they seem to count on. They know leaving is difficult, so the cycle continues.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
CAINE is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
JCS Reference # XXXX Account # XXXX Original Creditor XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the debt information your company is attempting to collect and/or reporting to the credit bureaus. I also request full validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

You have reported or attempted to collect a debt that has not been verified and which I believe to be incorrect, incomplete, or not owed by me. Until you provide proper validation, you must cease all collection activities, including reporting or continuing to report this account to any credit-reporting agencies. 

I am requesting the following documentation : Proof that I am legally obligated to pay this debt, including a copy of the original agreement bearing my signature. 

A complete itemized breakdown of the amount you claim I owe. 

Name and address of the original creditor and documentation showing the chain of ownership from the original creditor to Jefferson Capital Systems. 

Proof that the debt is within the statute of limitations for collection in my state. 

A copy of any judgments, if applicable. 

Verification that Jefferson Capital Systems is licensed to collect debts in my state, including your license numbers. 

Notice Regarding Credit Reporting If you have reported this unverified debt to any credit-reporting agency, this letter also serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). 
If the account can not be verified, you are required to : Immediately delete the account from all credit reports, and Notify all credit bureaus of the deletion. 

Continuing to report unverifiable information constitutes a violation of the FCRA and the FDCPA. 

Cease Collection Activity Until Validation Under 15 U.S.C. 1692g ( b ), you must : cease all collection efforts, cease all phone calls, and cease reporting this account until proper validation has been provided. 

I expect your response within XXXX  days. 

If you fail to provide the requested validation, I will consider the matter closed and will pursue all available legal remedies for any continued collection or reporting activity. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
THE BUREAUS is falsely reporting on my credit. I have never had any accounts with them. Per my research THE BUREAUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I used Cash App to send a {$260.00} deposit to a moving service provider I contracted through XXXX XXXX. The individual represented himself as a legitimate business, provided a business card, discussed pricing, hours, travel, and the list of items to be moved. After we confirmed the service agreement, he told me to send a {$260.00} deposit to the XXXX $ XXXX. 

Immediately after receiving the payment, he blocked me, deleted his marketplace listing, and never provided the service. This is a clear case of fraud and services not rendered. 

I submitted a dispute to Cash App and provided extensive evidence including : The full conversation showing negotiation of services and pricing Proof that he misrepresented himself as a business Screenshots of the agreed deposit amount Confirmation of the Cashtag Proof the seller deleted his listing and blocked me after receiving payment Cash App closed my dispute because my bank temporarily opened XXXX. My bank has since closed their claim, stating that Cash App is responsible for investigating the fraud. Cash App now refuses to reopen the dispute, leaving me with no way to recover my funds despite clear evidence of fraud. 

I am requesting : XXXX. That Cash App be required to reopen the dispute, XXXX. Conduct a full investigation with the evidence provided, XXXX. Issue a refund for the fraudulent {$260.00} transaction. 

I have attached documentation to Cash App showing misrepresentation, deception, and loss of funds. I am requesting CFPB assistance because Cash App is refusing to provide a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Dear Sir/Madam, I am a consumer in the process of fixing my credit and have identified discrepancies in my credit reports. Below are the details of the accounts I am disputing across each credit bureau. 

Charged Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
This item inaccurately represents my financial history. I respectfully request a review and appropriate update to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation