vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as Experian instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo charged me 3 over draft fees claiming I did not make my account positive in time ( within hours of fees being assessed ). Further more these fees were placed on a charge from an app that charged me twice for same charge and again 3 times when both were supposed to be a one time charge. I am currently disputing these charges. My account now sits at XXXX  overdraft as of XXXX XXXX  only from XXXX, XXXX dollar overdraft fees placed by Wells Fargo. These practices seem completely un fair to their customers. Instead of seeing that I have 6 of the same charges which clearly looks like double and triple of the same charge and waiting to see why they charge me the maximum amount when I made my account positive. Claiming it wasnt before XXXX XXXX. This is not the first time. Wellls fargos overdraft fees practices have not been resolved from previous disputes and settlements and they continue to prey on their customers.

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 2025-12-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 theXXXX 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 2025-12-25 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 theXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an Amex gift card for {$200.00} as a gift from our workplaces XXXX party. So far, it has failed to work at just about every store I've tried to use it in, despite my attempts at " registering '' the card online and calling the number on the card, but to no avail. They all tell me to make sure the card is active ( which it is ) and to make sure the information is typed in correctly ( i triple checked ). Its been a struggle as I can barely use this card as despite the claims boasting that its accepted everywhere- its not. I dont want to have to jump through loopholes to use this card, and its an overall frustrating and exhausting experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC systems is reporting a collection to XXXX  and XXXX, a collection account that has yet to be verified with re-aging of dates. I have also asked for a detail of the amount being reported with proof that this debt belongs to me and them having authorization to collect. I have sent a certified letter XX/XX/year> by USPS to the company ( IC systems ) with no response. Since they havent verified anything and are still reporting the account, Im requesting that this collection be deleted from my credit reports. Thank you for your time and for helping me get this cleared up.

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 2025-12-25 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 requesting the removal of XXXX fraudulent account from my credit reports with Experian, TransUnion, Please review my supporting documents and remove the account that was fraudulently added to my credit profile.its not my account i have police report please fix my problem

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 2025-12-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2025-12-25 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: NV

Complaint narrative:
This account is inaccurately reported as a " Charge Off '' and shows multiple derogatory payment statuses ( e.g., 30, 60, 90, 120, 120 days past due, Collection/Charge-off marks ). I dispute the accuracy and completeness of this information. I demand that you verify the complete payment history and account status with the original creditor. If the original creditor can not fully verify the accuracy and completeness of this information as required by 15 U.S.C. 1681s-2 ( b ), or if you can not verify it during your reinvestigation, this entire account and all associated derogatory marks must be promptly deleted 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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
OnXX/XX/2025, I processed completed transactions through Square totaling {$1200.00} for purchases made through my XXXX pop-up shop. Square placed these earned funds on hold and informed me they would be withheld for up to 90 days. 

There is no dispute, chargeback, or fraud associated with these transactions. The services/products were completed and delivered as required. 

Square required identity verification, which I completed by submitting my drivers license, a selfie, and my business website. Despite complying with all verification requests, Square has refused to release my funds and has not provided a valid or specific reason for the hold. 

I also filed a complaint with the XXXX XXXX XXXX due to Squares continued refusal to release my earned funds. I am requesting the immediate release and deposit of the {$1200.00} being withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Someone logged into my account sent money to their self from my chime account I am missing XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-25 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: IL

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I XXXX have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX. This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, Inaccurate, and false Information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question, 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 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 account 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 # XXXX as proof from the US 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 non-monetary relief
Consumer complaint received 2025-12-25 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: IN

Complaint narrative:
RE : Request To Permanently Remove Accounts To whom it may concern. 
I am writing to dispute information appearing on my Experian credit file pursuant to be the FCRA 15 USC 1681i, and request the immediate deletion or removal of accounts. I am asserting my rights under the FCRA and FDCPA, 15 USC 1692. I have recently became aware that TransUnion experienced a data breach on XX/XX/year>. This data breach has caused inaccurate, unauthorized, or fraudulent information to appear on my Experian credit file, including accounts listed below. I have asked Experian for signed contracts and other documents establishing my liability that bears my signature on it. I did not received any documents from Experian. Experian is not complying to the XXXX Laws and I demand immediate deletion from my credit file.

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 2025-12-25 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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