vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-06 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : DEPT OF ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4100.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$550.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4900.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} Account Name : DEPT OF EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2600.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I initiated an international wire transfer of {$1200.00} from my bank in XXXX to a recipient in the XXXX XXXX  via Chase Bank. 

On XX/XX/year>, Chase Bank reversed the entire transfer due to an invalid account number provided by the sending bank. The transaction was never completed, and the funds were returned to the sender. 

However, Chase Bank unlawfully withheld a non-refundable processing fee for this failed transaction. I immediately contacted Chase to dispute this fee, as I believe it is unfair to charge for a service that was not rendered ( Case # XXXX ). 

Despite my requests, Chase has refused to refund the fee, citing its internal policy. I have explained that charging a fee for a failed transaction constitutes an unfair practice and unjust enrichment. 

I have attempted to resolve this directly with Chase 's Executive Office, but they have failed to provide a satisfactory resolution or a legal justification for withholding the fee. 

Furthermore, Chase Bank has acted unprofessionally throughout this process. They repeatedly delayed the resolution and requested information that they already possess or that is irrelevant to the case. This appears to be a deliberate tactic to waste my time and discourage me from pursuing a refund. I have spent an excessive amount of my personal time dealing with this issue. The withheld sum is substantial for me, and Chase 's unlawful charge and subsequent uncooperative behavior have caused significant distress. 

I am requesting that the CFPB facilitate a full refund of the processing fee that Chase charged for this unsuccessful wire transfer. 
Legal and Factual Grounds for Dispute : Failure to Provide Service : Chase Bank did not complete the wire transfer service. A service is considered rendered only if the funds reach the intended recipient. In this case, the transfer failed due to an error, and the funds were returned to the sender.

Unfair Practice and Unjust Enrichment : Charging a fee for a failed transaction is an unfair practice. The bank is attempting to profit from a process that yielded no result. This constitutes unjust enrichment, as Chase seeks compensation for work not performed.

Internal Policy vs. Consumer Law : The banks reference to its " standard procedure '' lacks legal force. Internal bank policies ( internal policy ) can not override consumer protection laws. If the terms of a " non-refundable fee '' were not explicitly and clearly disclosed prior to the transaction, they are legally contestable. 

Demand : I demand an immediate refund of the processing fee and a written explanation of how this practice aligns with federal and state consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: UT

Complaint narrative:
Submitted a dispute on XX/XX/year> stating the account was paid off. Provided my loan payoff letter and screenshots of the account. The transunion opted to ignore this information and show I still have a loan balance.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
This is a formal dispute and demand for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and applicable Georgia law. 

Jefferson Capital Systems is reporting the above-referenced account as a collection/debt buyer account. I hereby dispute this account in its entirety. 

Required Validation You must provide the following within XXXX  days : Original Contract / Wet Signature A copy of the original contract bearing my wet ink signature, showing I created this obligation. 

Proof of Assignment / Chain of Title Complete chain of assignment from the original creditor to Jefferson Capital Systems. 

All bills of sale and transfer agreements proving you legally own or were assigned this debt. 

Itemized Accounting A full breakdown of the alleged {$2000.00} balance, including principal, interest, late fees, and any other charges. 

Proof of Licensing Documentation proving Jefferson Capital Systems is licensed and authorized to collect debts in the State of Georgia, including license number, issuing authority, and active status. 

Credit Reporting Authority Proof that you are legally permitted to furnish this information to XXXX XXXX or XXXX  while the account is in dispute in compliance with 15 U.S.C. XXXX. 

Notice to Cease Collection Until you produce full and proper validation, you must : Cease all collection activity. 

Cease all reporting to the credit bureaus. 

Remove this account from my credit file immediately. 

Any continued attempts to collect or report without validation will constitute willful violations of FDCPA and FCRA, subjecting Jefferson Capital Systems to statutory damages, actual damages, attorneys fees, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-06 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: SC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple unauthorized hard credit inquiries that appear on my credit reports with Equifax, Experian, and TransUnion. These inquiries were not authorized by me, and I never applied for credit with the listed companies. 

I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries. A copy of my FTC Identity Theft/Unauthorized Inquiry Complaint is attached for your review and supporting evidence. 

Equifax Factual Data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX OF XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX Consumer Rights Violated Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681b ( c ) : Credit inquiries require consumer authorization. These were not authorized.

FTC and CFPB Enforcement Authority : Unauthorized access to consumer reports is a violation subject to enforcement.

South Carolina Consumer Identity Theft Protection Act ( S.C. Code Ann. 37-20-180, 37-20-190 ) : Prohibits the use of consumer information without consent and requires removal of fraudulent items. 

These unauthorized inquiries are negatively impacting my credit profile, harming my credit score, and increasing my exposure to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are about five accounts that is listed on my credit that has been closed and paid off and theyre still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I disputed Affirms reporting of late payments on several loans, providing an FTC Identity Theft Report and data breach notification letters showing that my personal and financial accounts were compromised. Despite this, Affirm responded with a denial letter stating only that the payments were more than 30 days overdue and that the reporting was accurate. Affirms response demonstrates that they did not conduct a reasonable investigation as required under FCRA 623 ( b ). Their review ignored the evidence I submitted that my payment access was disrupted due to data breaches. Furnishing late payments under these circumstances without context is misleading and does not meet the FCRAs requirement for maximum possible accuracy ( FCRA 607 ( b ) ). Affirms letter shows they relied solely on their internal account records, without addressing the evidence I submitted. This is inadequate and violates their duty to conduct a meaning
ful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and report fraudulent activity involving my credit file. My ex-husband has been using my name and personal information to obtain credit without my knowledge or authorization. I did not apply for, open, or consent to any of these accounts. 

Please investigate this matter, remove any fraudulent accounts from my credit report, and place a fraud alert on my file to prevent further misuse of my identity. I am prepared to provide supporting documentation, including proof of identity and any police reports if needed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: AR

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Wells Fargo has failed to report my account information accurately to all three major credit bureaus. Currently, my account appears on only one credit report, and is completely missing from the others. This has been ongoing for an extended period despite multiple attempts on my part to resolve the issue. 

The absence of this account from my reports inaccurately reflects that I do not have a long-standing financial relationship with a major bank. As a result, my credit profile appears thinner than it is, and this directly affects my creditworthiness. I have been subjected to higher interest rates on loans and credit products due to this reporting failure, which ultimately benefits the bank by increasing the cost of borrowing for me. 

Actions Taken : I contacted Wells Fargo customer service and submitted a dispute regarding this issue on [ insert date, if known ]. 
I was informed that Wells Fargo is indeed reporting the account, but as of [ insert most recent credit check date ], it is still missing from [ XXXXwhichever applies ]. 
I filed a dispute with [ the specific credit bureau ] on [ insert date ] and received no meaningful resolution. 

Impact : This issue is causing measurable financial harm. My credit profile does not accurately reflect my long-term payment history with Wells Fargo , and this inaccuracy is being used against me by other creditors and lenders.

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 2025-09-06 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: FL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my Round 2 credit dispute.

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days.

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ).

The disputed item ( s ) are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Collection/Chargeoff

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 2025-09-06 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: Kikoff Inc.
State: CO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened 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 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : 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 2025-09-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XXXX Complaint Against TransUnion, Experian, and Equifax Re : XXXX XXXX  Account # XXXX I am disputing the collection account listed as XXXX XXXX, Account # XXXX on my credit reports. This account is inaccurate, and I do not owe this debt.

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by reporting this account without ensuring maximum possible accuracy and by failing to provide me with the required disclosures of my right to opt out.

The FCRA, 15 U.S. Code 1681 Congressional findings and statement of purpose, establishes that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce in a manner fair and equitable to the consumer. Reporting this collection account without proper disclosures or accuracy fails to meet that standard and violates federal law.

I request that this account be removed from all of my credit reports immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XXXX

Company response to consumer: Closed with explanation