vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: Bridgecrest Acceptance Corporation
State: AR

Complaint narrative:
I have a repossession account which has been attached to my credit report for more than seven years now, but it also is reported incorrectly. I have reached out to the original lender and the company they sold my debt to without my knowledge, contact was made during the month of XX/XX/year> but no solution was handled. Upon the unfair credit reporting that they have conducted, they have denied my request to update or delete the information, and have also ignored my multiple attempts to correct this issue. I have taken all routes to resolve this issue before arriving here. The original owner of the account is Bridge Crest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OK

Complaint narrative:
Well for some reason they think that my money is due on the XXXX cuz I got my money on the XXXX last month but social security and XXXX they sent me a {$210.00} check and XXXX mom was late last month because I just transfer over to direct deposit okay I'll get my checks on the XXXX  and the XXXX of every month I called XXXX XXXX  they said it's already been deposited in time which was on the XXXX I never received it they told me they have never got it I called him back XXXX XXXX they told me that did send them and this is what they did last month to me now they're trying to tell me they don't have my friends they do have my friends time has my money and they won't give it to me and plus there's a bunch of transactions done on my account that I didn't do a bunch of them and I told him about it and they won't give me my money back I'm done with it please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My sister got into my account and used my XXXX  card for unauthorized transactions the amounts and dates are the date of XXXX XX/XX/XXXX to the XXXX XXXX XXXXXXXX I have made a police report which I don't have The report number right now but I'm going to get it I have tried getting money back from VENMO and they have paid back {$500.00} of The {$2000.00} now that's showing that " they complied to some of the unauthorized transactions and I want a refund of XXXX imediately these transactions were reported to The police now I'm going to call the card handler and Tell them about my situation I will attach the unauthorized transactions and the dates With The one 's venmo Paid me back for

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
In XX/XX/XXXX, I refinanced my home and the title company issued a payoff check to XXXX XXXX  XXXX XXXX XXXX XXXX for the full balance. XXXX XXXX  cashed the check, meaning the account was paid in full. Despite this, the bank later sold or transferred the account to Resurgent on or around XX/XX/XXXX. 

I provided both companies with proof, including a copy of the cashed title company check and my closing disclosure, but they refused to validate the proof or correct the error. Now Resurgent is trying to collect a debt that was already paid in full.

My daughter was listed as an authorized user on the account, and this incorrect collection has negatively affected both of our credit reports. I am requesting that this account be marked paid in full, the collection removed, and all negative credit reporting corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This letter serves as my formal cease and desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am requesting that your company immediately stop all communication and collection activity regarding the alleged debt you claim I owe.

I do not acknowledge or accept responsibility for any such debt, and I have not received sufficient documentation proving its validity or ownership. Your repeated contact attempts and reporting activity are causing unnecessary stress and harm to my credit reputation. As you are aware, the FDCPA strictly prohibits further communication once a consumer has made a written request to cease contact.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been using the Wells Fargo Active Cash card since XXXX and consistently made full payments on time, with no history of late payments or minimum payments. 

However, I am extremely disappointed to report that on XXXX and XXXX, my card was declined for every transaction I attempted. When I logged into my Wells Fargo account on the evening of XXXX, I was shocked to find a comment stating that my account is closed. 

I did not request for my account to be closed. When I contacted Customer Care, they were also at a loss for why this happened and informed me that I would receive a postal letter with further details. 

As of XXXX, I had not defaulted on any payments and had a reward balance of approximately {$400.00}. Due to this unexpected account closure, Wells Fargo Customer Support stated that my balance was reset to {$0.00}, and now I can not reclaim those rewards I earned over the past 2+ years.

This situation is both unexpected and unacceptable behavior from Wells Fargo. As a reputable institution, shouldn't they have informed me in advance of the account closure and provided reasons for it? I should have been given the opportunity to respond and withdraw my hard-earned rewards.

When I spoke to Customer Care, they finally agreed to arrange a callback from their executive team on or after Monday ( XXXX ) but till now I didn't hear back from them. 

My main concerns are : 1. Why did Wells Fargo initiate the account closure when I did not request it?

2. Even if there was a valid reason for the closure, why did they not send an email, make a phone call, or send a postal letter explaining the reason and providing a timeline for me to address any issues?

3. Why didnt they transfer my reward money to my account, card, or gift card upon closing the account?

4. This has created unnecessary stress for me, and the closure of my account negatively impacts my overall credit history.

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 2025-11-04 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-04 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 disputing the following accounts on my Experian credit report. Please review and update these items, as I believe the information is inaccurate. 

Charged Off Accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, {$410.00} XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$600.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$620.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} XXXX XXXX XXXXXX/XX/XXXX, {$950.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-04 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: WA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after 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 2025-11-04 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: WA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX  charged my business checking account a {$10.00} service charge and {$0.00} sales tax without prior notice. This reduced my balance from {$2100.00} to {$2100.00} just below the {$2100.00} needed for my residential loan autopay scheduled for XX/XX/XXXX. 
The autopay failed due to their unexpected fee, and I received XXXX notification by phone, email, or text. On XX/XX/XXXX, I deposited {$1000.00}, bringing my balance to {$3200.00} more than enough to cover the loan. No retry was attempted, and I still received no communication. 
On XX/XX/XXXX, XXXX XXXX charged an {$84.00} late fee to my loan. On XX/XX/year>, I learned via credit monitoring that XXXX XXXX had reported me as 30 days late to all three credit bureaus, dropping my XXXX  score XXXX points. I had a perfect 100 % on-time payment history prior to this. 
When I contacted XXXX XXXX at XXXX XXXX ( XXXX ) on XX/XX/XXXX at XXXXXXXX XXXX, he immediately backdated the payment to XX/XX/XXXX and reversed the late fee. The internal note reads : " Late Charge Cr Adj EFF XX/XX/year> Per XXXX. '' XXXX XXXX ' {$10.00} service fee caused the autopay failure. Their failure to notify me prevented timely resolution. Their admission ( backdating payment, reversing fee ) proves the late payment was inaccurate. 
This matter is also the subject of CFPB Complaint # XXXX filed against 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 2025-11-04 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:
Would you kindly review this record? It was submitted late and could be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/XXXX, XXXX, XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
I received a Cash APP debit XXXX  card in the mail but I did not order it or know what was in the envelope. The mail was addressed to a person who has never lived here in the last 40+ years because I have. But they were using my address. The name on the envelope and XXXX XXXX card was XXXX XXXX with my address. I called Cash app and was speaking to the XXXX. I asked the rep if any of my phone numbers or XXXX Sec number for myself were attached to the account and she said no. I asked to speak to the fraud dept and she said she would fill out info for them. I then called back later as I forgot to ask if my wifes phone or social was attached to the account and I never got an answer directly but I was told the name was not on the account. I asked her what name are you referring to my wifes or the XXXX name. She then proceeded to tell me XXXX name was not the one on the account. But yet here it is on the card that was sent. She then goes on to tell me she sometimes does nt get her packages and this is normal because of miss delivery. I told her I do not think you understand this was not miss delivery. This was someone else 's name using my address and was delivered to the correct address. She said yes I know. Then went on to say the same thing again to me... I asked to speak to her supervisor or manager and she said no I can not do that. I then asked for the fraud dept and she told me to go online and XXXX and search for it. WOW what kind of company is this? 
The number I called was XXXX My wife and I have had identity fraud so I wanted as much info as I could get as to what was going on and I was shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$190.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$29.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX, XXXX, XX/XX/XXXX, {$160.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$3100.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$430.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1900.00} XXXX, XXXX, XX/XX/XXXX, {$14000.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1300.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts : None listed for Experian. 

Late Payments : XXXX  XXXX, 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 2025-11-04 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:
I am a verified identity-theft victim under FTC Report XXXX XXXX. 
Equifax has failed to properly block or delete fraudulent identifiers and accounts under FCRA 605B. 

From XX/XX/XXXX to XX/XX/year>, Equifax received multiple certified disputes and uploads through the CFPB portal containing my FTC report, government ID, and proof of address. Despite receipt, Equifax continues to verify identity-theft data using third-party sources and issues letters that contradict the evidence provided. 

These actions show willful non-compliance with 1681c-2 ( a ) ( b ), 1681e ( b ), 1681s-2 ( b ), and 611.

Company response to consumer: Closed with explanation