vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-07 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: NY

Complaint narrative:
I am a verified victim of identity theft, as documented in my FTC Identity Theft Report ( Report # XXXX ). Upon reviewing my credit reports, I discovered multiple fraudulent accounts that I did not authorize, open, or have any involvement with. These accounts were created and used by someone who stole my personal information. 

The following accounts were fraudulently opened or reported without my consent : XXXX XXXX XXXX / XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts contain false or inconsistent information and are severely damaging my credit. I have never been contacted about these debts, was not provided verification, and did not authorize their reporting under my name. Their inclusion on my credit reports violates the Fair Credit Reporting Act ( FCRA ), particularly regarding the accuracy and verifiability of consumer 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 2025-08-07 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: NY

Complaint narrative:
I am a verified victim of identity theft, as documented in my FTC Identity Theft Report ( Report # XXXX ). Upon reviewing my credit reports, I discovered multiple fraudulent accounts that I did not authorize, open, or have any involvement with. These accounts were created and used by someone who stole my personal information. 

The following accounts were fraudulently opened or reported without my consent : XXXX XXXX XXXX / XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts contain false or inconsistent information and are severely damaging my credit. I have never been contacted about these debts, was not provided verification, and did not authorize their reporting under my name. Their inclusion on my credit reports violates the Fair Credit Reporting Act ( FCRA ), particularly regarding the accuracy and verifiability of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IL

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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, unauthorized debit card transactions occurred on my Bank of America XXXX XXXX XXXX totaling {$27000.00} I never received this debit card, never activated it, and never used it. Someone else fraudulently used my identity and card without my knowledge or consent. 

I reported the fraud promptly, filed a formal dispute, and submitted overwhelming evidence to Bank of America, including : Proof of address showing I lived at my residence the entire time and did not receive the card FTC Identity Theft report ( Ref # XXXX ) Letters from my attorney Bank statements proving no link to these transactions Car payment records proving my location and obligations during the fraud period Additional supporting documentation Bank of America denied my claim, stating the card was mailed to my address on file and activated using my credentials. This is not proof of authorization. Under Regulation XXXX ( XXXX XXXX XXXX ), the bank can not deny a claim solely because the card was mailed to the address on file or activated especially when I have proven I did not possess or use the card. The burden of proof is on the bank to show I authorized the charges, which they have failed to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

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 IncXXXX 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 2025-08-07 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
In XXXX, I filed for XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX  ( Case No. XXXX ), and the case was officially XXXX on XX/XX/XXXX. The debt in question originally tied to XXXX XXXX XXXX was fully included in my XXXX  filings, and both XXXX and their prior legal representatives were properly noticed and listed in the XXXX XXXX. 

Despite this, the debt was subsequently transferred to Velocity Investments , LLC, who continued to pursue it in XXXX XXXX XXXX XXXX under Case No. XXXX. This matter remains publicly listed as Reopened Active, and my legal name and identity are still associated with the judgment as if it were valid and enforceable.

Under 11 U.S.C. 524 ( a ) ( 2 ), a bankruptcy discharge operates as a permanent injunction prohibiting any further efforts to collect, recover, or enforce a discharged debt. The ongoing maintenance of this judgment and the refusal to file a Satisfaction of Judgment or Voluntary Dismissal is a clear violation of federal law.

I made repeated good-faith efforts to resolve this privately. On XX/XX/XXXX, I formally notified all involved parties and provided copies of my XXXX  Discharge Order and Creditor Matrix, requesting that the court record be updated within XXXX calendar days. This included the following attorney : XXXX XXXX XXXX, XXXX  XXXX Despite clear notice and legal obligation, no action was taken by any party within the requested timeframe. The matter remains unresolved and is now interfering with my professional background and employment prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-08-07 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: IN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX- Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX - Account Number : XXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened a account with Wells Fargo using my offer that stated if you make XXXX $ within XXXX or 90 days XXXX cant rember which XXXX but regardless Ive made XXXX $ before 30 days and if you do so you will receive a bonus of XXXX $ within 30 days of completion Ive attached screenshots showing that Ive opended my account on the XXXX of XXXX and received direct deposit from lowes adding up 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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: FL

Complaint narrative:
I lost my wallet while on vacation and several unauthorized transactions occurred on my Chime account using my physical debit card. I immediately contacted the merchant and Chime to report the fraud on XX/XX/year>. I submitted evidence showing that the card was used without my authorization, including a receipt with a forged signature. 

Chime denied my fraud claim within XXXX hours ( by XXXX ), stating the transactions were authorized, despite having clear documentation that they were not. I requested escalation and was told the decision was final. 

This handling was unprofessional, rushed, and did not involve proper investigation. I no longer feel protected by my financial institution and believe my consumer rights have been ignored. 

I visited each merchant to see if my wallet had been left there after use : * XXXX by The XXXX provided a receipt signed by XXXX, which is not my signature. XXXX mentioned it is a busy environment and they could not recall who used the card. 
* XXXX XXXX XXXX refused to show a receipt, citing store policy. 
* XXXX XXXX confirmed purchases of shot glasses and other items but stated that no signature or ID was required for the purchase. 

Later on XXXX, XXXX XXXX XXXX called to inform me that my wallet had been turned in during the afternoon. After recovering my wallet and card, I resumed using my card, virtually and physically. 

Claim number is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX at XXXX PM {$100.00} Denied XXXX Almost By The XXXX XX/XX/XXXX at XXXXXXXX XXXX {$120.00} Denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Subject : Misleading Credit Card Promotion and Delayed Approval Leading to Lost Travel Reward ( Wells Fargo and XXXX ) To Whom It May Concern, I am filing a complaint regarding a misleading promotional credit card offer I encountered while booking airline tickets through XXXX, which partners with Wells Fargo for its One Key Card promotion. The issue happened on XX/XX/2025. 

The promotion clearly stated that if I applied for the card, was approved, and used it for the flight booking, I would receive a {$200.00} statement credit. I applied immediately during checkout. However, after submitting the application, I received a vague message that additional verification was required. This delay forced me to use a different card to complete my booking and avoid missing out on time-sensitive flight pricing. 

Shortly after, I received a phone call from a Wells Fargo representative who asked only if I had applied no credit verification and immediately said I was approved. The card was then mailed to me, but by that point, I was no longer eligible for the promotional reward since I hadnt used it for the flight. 

Ive spoken with others who have had similar experiences. This seems to be a recurring pattern by multiple flight and travel companies offering credit card promotions, its designed to entice consumers with an attractive offer, trigger a hard credit inquiry, and issue the card while purposely delaying approval so the customer is unable to receive the promised reward. It feels deceptive and manipulative. 

I am requesting the CFPB to investigate whether this practice constitutes a violation of fair lending or consumer protection standards. It appears to be a bait-and-switch tactic that leaves consumers with unnecessary credit inquiries, new accounts they didnt benefit from, and no way to reverse the 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 non-monetary relief
Consumer complaint received 2025-08-07 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern, This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: SC

Complaint narrative:
requesting letter of debit validation, I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

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 explanation