vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX for reporting inaccurate and misleading information to the credit bureaus regarding the account listed as XXXX. 

XXXX XXXX is reporting information that is factually incorrect, does not match my records, and appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter directly, but the information has not been corrected. 



Nature of the Issue XXXX XXXX has reported inaccurate information on my credit report, includingbut not limited toincorrect dates and account details that do not align with verifiable records. These inaccuracies materially impact my creditworthiness.

This conduct appears to violate : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate. 

FCRA 623 ( a ) ( 5 ) Requires accurate reporting of the Date of First Delinquency ( DOFD ) and prohibits re-aging or falsifying dates to extend the reporting period.

FCRA 607 ( B ) Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 Requires reinvestigation and correction or deletion of inaccurate, incomplete, or unverifiable information.

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX reporting practices regarding the account XXXX. 
2. Require XXXX to provide certified, documented proof of all dates and information associated with this account. 
3. Remove or correct the account immediately if XXXX can not fully validate the information with original, verifiable documentation. 
4. Ensure that all credit bureaus receive corrected information if errors are confirmed. 

I also want to note that I received a data breach notification letter informing me that my personal information may have been exposed or compromised. Because of this breach, it is impossible to confirm whether the dates XXXX is reporting are accurate or were affected by the compromised data. This raises serious concerns regarding the integrity, accuracy, and reliability of any dates XXXX claims to possess. 

Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information that is inaccurate or unverifiable. Due to the data breach, XXXX can not rely on altered or compromised information to justify the dates they reported. Therefore, any dates XXXX is using to verify this account are inherently questionable and can not be considered valid, and the account should be removed if accurate documentation can not be produced from the original, unaltered records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I have no connection with these accounts and demand their removal within 15 days according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Banks continued reporting of inaccurate information related to a repossessed automobile loan for which a Form 1099-C ( Cancellation of Debt ) has been issued.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, furnishers of information are required to report information that is accurate, complete, and not misleading. By issuing a 1099-C, Fifth Third Bank acknowledged that the remaining balance on this account was canceled and discharged. Despite this, the account continues to be reported with an outstanding balance and negative status, which misrepresents the true legal status of the debt.

This continued reporting violates : FCRA 1681s-2 ( a ), which requires furnishers to provide accurate information ; and FCRA 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of inaccurate information after a dispute.

Reporting a balance owed on a debt that has been canceled is factually inaccurate and materially misleading, and it results in ongoing harm to my credit profile.

I am requesting that Fifth Third Bank immediately : Correct the account to reflect a XXXX balance and a canceled/closed status, or Delete the account entirely if accurate reporting can not be verified. 

Failure to correct this matter will leave me no choice but to pursue further remedies. 

I expect written confirmation of the corrective action taken within the timeframes required by law. attached here is an extract. from my credit report showing 66 months of late payments on a 60 months loan and an account where a 1099C had been issued in XXXX when zFith third bank claim the car was sold since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-15 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: MI

Complaint narrative:
I am a XXXX  of XXXX XXXX  and have repeatedly submitted lawful XXXX XXXX Credit Block requests to Equifax under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / FCRA 605C ).

I have submitted my XXXX XXXX  documentation and identifying information to Equifax more than ten ( 10 ) separate times. Each submission included the required documentation demonstrating my status as a XXXX XXXX XXXX  and was sufficient under federal law to trigger the mandatory credit block.

Despite these repeated submissions, Equifax has failed to acknowledge receipt, failed to apply the required XXXX XXXX Credit Block, and failed to provide any lawful explanation for refusal. The adverse information associated with my XXXX experience continues to appear on my credit report. 

Federal law requires credit reporting agencies to block information resulting from XXXX XXXX within four business days of receiving proper documentation. Equifax does not have discretion to ignore or delay these requests. Their continued inaction represents willful non-compliance, not an administrative delay.

I have received either no response or generic, automated responses that do not address my XXXX XXXX request and do not reference FCRA 605C. At no point has Equifax identified any deficiency in my documentation or requested additional information. 

Equifaxs refusal to comply has caused ongoing financial harm, emotional distress, and retraumatization by forcing me to repeatedly resubmit documentation related to my XXXX experience. The continued reporting of this information undermines the specific protections Congress enacted for XXXX XXXX  
I am requesting CFPB intervention to require Equifax to immediately comply with FCRA 605C, apply the required XXXX XXXX Credit Block, and cease reporting information related to my XXXX  experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
The sole interest in opening my Wise account was to have an easy way to make purchases with a multi-currency international debit card.

I opened my account, and when I requested the card, I was told it was temporarily suspended and that I should join a waitlist.

Meanwhile, Wise accepted and processed a large transfer of my funds. Initially, they requested that I show 3 months of bank statements from the originating bank. However, they later requested an additional 3 months, stating that failure to provide these would result in the funds being returned to the originating bank.

I failed to provide the additional documents, but Wise retained the funds anyway and did not return them.

Then, Wise executed a currency transfer for some of those funds, which I disputed. To date, Wise has failed to provide clear documentation about the instruction they claimed to have for executing this transaction.

I continued inquiring about my Wise debit card. After pressing the issue, I discovered that the card was not issued to me because, for some reason, my account had been flagged.

In essence, Wise accepted my funds, which were wired into their account with the intention of using them via the debit card, but they knew from the outset that they would not issue the card and never notified me of this or warned me about the account limitations.


I am now in the unfortunate position of having a large amount of money in an account that I can not use as desired and as promised by the merchant. To access my funds, I will have to pay additional fees. Wise has lied and deceived me. Firstly, they misled me into opening a Wise account where the Wise Debit Card was the primary promise. They accepted my funds and then falsely claimed that the card was temporarily unavailable, telling me to wait for it to be reinstated. In reality, no amount of waiting will grant me a card, as I have been blacklisted. Secondly, when receiving the funds, Wise clearly stated in writing that if I failed to provide further account information, the funds would be returned to the originating bank. However, they did not act on this and instead transferred part of those funds to another currency, charging a fee. I have raised these concerns with Wise, but they have dismissed them with a level of frivolity and inaccuracy that is deeply concerning. Wise now holds my funds, does not provide the contracted services, and is refusing to help return these funds to me. Furthermore, they are attempting to charge me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, funds from my XXXX savings account ( XXXX ) were illegally withdrawn without my consent. XXXX unauthorized electronic transactions were made, each for {$28000.00}. The XXXX illegal electronic transfer was sent to XXXX XXXX at Bank XXXX XXXX ( account # XXXX ). The XXXX illegal electronic transfer was sent to XXXX XXXX XXXX at XXXX XXXX Bank ( account # XXXX ). I immediately reported the scam to SoFi Bank, within minutes of realizing my bank account had been hacked. XXXX restricted my accounts and started an investigation. Initially, I was only aware of XXXX illegal transaction. XXXX was able to retrieve {$27000.00} from the XXXX transfer. I've been in communication with SoFi Bank weekly since the incident. I was unaware of the XXXX illegal transfer due to miscommunication with SoFi Bank representatives investigating my case. I became aware of the unlawful XXXX transfer on XX/XX/year> after questioning the XXXX banker regarding the remaining funds. XXXX continued to reassure me that the investigation is ongoing and that they are working with the other financial institution to resolve this matter. On XX/XX/year>, SoFi Bank emailed me to inform me that they were unable to return my funds from XXXX XXXX due to insufficient funds from the scammer XXXX XXXX, XXXX. SoFi Bank mishandled my account by failing to update me on the investigation and by not acting promptly to safeguard my funds from the XXXX unauthorized electronic transfer. I respectfully want all my money returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: OR

Complaint narrative:
Old girlfriend stole a phone I bought her after we broke up in like 2016 company keeps calling me and emailing me about the debt even though it's like XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
* I applied for an american express business card through an XXXX link * I received a communication from AMEX requesting 3 months of bank statement OR access to my banking information. 

* I went in through their " Secure site '' and provided the username and password to my primary bank accounts * After AMEX logged in to my bank accounts they returned with a message stating I had not transactions in the account greater than 30 days old. 

* The account accessed has hundreds of transactions in the last 90 days and thousands of transactions over the last 15 years that I have had the account. 

* I then again provided log in information and gave them access to a second account in at my bank * I received the same message as before despite having multiple transactions in that account as well * When I called to inquire I was given no information as to why AMEX was saying I had no transactions over 30 days old. I was then told to submit bank statement. 

* I have provided AMEX with access to highly personal, confidential financial information. They have been unable to use it properly and apparently have software that is unable to read simple bank information. 
* I am concerned that AMEX now has had access to my login information for my bank * I am even more concerned that shoddy software seems unable to read that information properly * I should not have to provide 90 days of bank statements after giving AMEX the highest level of trust and access to my accounts and they have mishandled it or misread it. 
* AMEX has abused my trust and I feel potentially exposed to fraud or scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy Federal Credit has been reporting Account # XXXX on my credit file as a charge off since XX/XX/year>. Since then I have disputed the account and requested IRS form 1099C for the charge off and report the balance as XXXX or remove the item. 
The have ignored all my request and disputes regarding this issue. 

All i am asking is : If you report the item on you books or taxes please send me a 1099C or remove the item from my credit report. According to the IRS the charge off represents income that I should pay taxes on.

How can they report a charge off that i should pay taxes on and than continue to report a charge off on my credit report?? If the item was charged off the must send me a 1099C and remove the item from my credit file. 

Please investigate pursuant to IRS and FCRA laws The failure by a creditor to file a Form 1099-C may result in penalties under IRC 6721 and 6722. The amount of penalty for the failure to file a correct Form 1099-C by the due date ( IRC 6721 ) is based on when the Form 1099-C is filed :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> I received a peer-to-peer transfer of {$97.00} from another individual. This transfer was not payroll, wages, benefits, or a qualifying direct deposit. I am currently unemployed and do not receive direct deposits. 

Immediately after the transfer posted, Chime automatically withdrew {$91.00} for a XXXX  repayment ( and additional funds for XXXX  ), leaving my account at {$0.00}. The transaction description states the withdrawal occurred after your qualifying direct deposit, which is incorrect and misleading because no qualifying direct deposit was received. 

I contacted Chime customer support and escalated to a supervisor to request a one-time hardship courtesy credit and review of the misclassification. My request was denied repeatedly with policy explanations citing updated terms, without addressing the incorrect classification of the transfer or the resulting financial hardship. 

The funds taken were intended for XXXX necessities for my children. I am requesting review and correction of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2025, unauthorized transactions totaling {$3700.00} were charged to my NFCU debit card ( ending XXXX ), linked to my checking account, by XXXX XXXX. The physical card remained in my possession and was never lost or shared. I discovered the charges on XX/XX/2025, and immediately reported them to NFCU, initiating a fraud claim ( Case # XXXX ). The initial claim was denied around XX/XX/2025. To support a second review, I submitted a supplemental evidence report on XX/XX/2025, via secure messaging, including an XXXX XXXX Police Department Identity Theft Report ( Tracking # XXXX ), FTC Fraud Report ( Report # XXXX ), and documentation of a phone compromise during repairs by XXXX XXXX XXXX and XXXX ( Repair ID : XXXX ). 
On XX/XX/2025, at XXXXXXXX XXXX XXXX, I called NFCU and spoke with Representative XXXX and XXXX XXXX. They confirmed receipt of my evidence and that the second review started today, but denied provisional credit until finalization. I cited Regulation E ( 12 CFR 1005.11 ), noting the XXXX provisional credit deadline ( XX/XX/2025 ) and the significant financial hardship caused by the {$3700.00} loss, which has prevented me from covering holiday bills and XXXX gifts for my children and grandchildren. NFCU did not provide a detailed timeline, written explanation, or consider my hardship, despite my XXXX membership and past instances of discretionary relief. I am now filing a CFPB complaint to address these issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation