vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to provide a statement regarding recent fraudulent activity and an issue related to the reimbursement method used. 
My Discover credit card was compromised, and an unauthorized individual withdrew {$2000.00}. At the time of the fraud, I received a call from a Discover representative, who promptly filed a report and initiated the investigation. 
Shortly after, I noticed a credit of {$2200.00} had been deposited into my bank account via XXXX. I immediately contacted Discover to report this issue, as the reimbursement should have been applied directly to my Discover credit card account, not to my personal bank account. 
I want to clarify that the transfer was incorrect, and I acted in good faith by notifying Discover right away. I respectfully ask that the necessary corrections be made to ensure the reimbursement is properly reflected on my credit card account. 
On XX/XX/year> I made a payment of {$140.00} to the credit card. Since the account was closed by the bank they're calling me, saying the payment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( Complaint XXXX XXXXXXXX ) regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am going to send the letter I sent to the CEO of Wells Fargo. I never got any response. 

Good afternoon XXXX XXXX, I am sending this email in hopes that you hear what has happened to me on XX/XX/XXXX as a Wells Fargo customer and help me. 
I am in catering and was working an event in downtown XXXX. My coworkers and I carry backpacks and leave them in the kitchen of the venues. XXXX of my coworkers and myself were victims of fraud. Apparently, our debit cards were scanned and cloned by another worker there. 
I had a {$1000.00} charge on my business account and also {$1000.00} on my personal account. The exact same charges from the same merchant. I immediately called the fraud department the next morning when I saw the transactions and asked them to stop them because I didnt authorize them. They said they couldnt be stopped even though they were pending but I could dispute them when they posted. 
The charges were from a business in XXXX, XXXX. The owner of the business said he knew nothing about it and didnt see charges for those transactions on his side. 
The {$1000.00} stolen from my business account was given back to me on XX/XX/XXXX. 
However, the credit has been reversed twice on my personal account on XX/XX/XXXX and again XX/XX/XXXX. 

I have spoken countless times to the fraud department as well as the XXXX in my local branch. I got a phone call the other day saying they are closing the case and I am not getting my money back. 
I have been a loyal customer for literally my entire life and trust Wells Fargo with my money. 
My coworker has received her {$2000.00} back from her bank. Same exact merchant and situation. I am really hoping you can help me resolve this issue and return my money. Thank you for your time. I have also attached a letter from the XXXX  XXXX of my company. 
XXXX XXXX XXXX case XXXX XXXXXXXX Police report case XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LPH, Inc.
State: MT

Complaint narrative:
They gave what information that they had which was minimal. We were told we had judgement against us but were never served papers. This debt is over XXXX XXXX XXXX. The amount is for {$34000.00} The date of the judgement is XX/XX/XXXX however the date of incident goes back to XX/XX/XXXX for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Many attempts to log in to unfreeze credit online at experian.com were unsuccessful, as were many calls to their help line at XXXX. Phone calls all answered with automation that inevitably referred me to their help online and then hung up. Attempts to get in online result a visual of gears that says " Oops! Unsuccessful, try again later ''. There is apparently no way to get hold of a human there, and their machines do not work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal escalation to a previous complaint regarding XXXX XXXX XXXX and their continued reporting of a repossessed auto loan account. Although the company responded that the information was accurate, they are actively engaging in unlawful and deceptive credit reporting practices that violate multiple sections of the Fair Credit Reporting Act ( FCRA ). What XXXX XXXX XXXX : Monthly charge-off entries ( CO ) from XXXX through XX/XX/XXXX, despite the account being charged off and the vehicle repossessed. A past due balance of {$16000.00} alongside a charged-off amount of {$16000.00}, misrepresenting the status of the debt. Ongoing updates to a closed, repossessed account through XXXX, falsely signaling active delinquency. These entries are misleading, incomplete, and materially harmful. They imply active default status when the debt was settled via repossession long ago. Legal Grounds Violations of the FCRA : FCRA 1681s-2 ( a ) ( XXXX ) ( A ) : Furnishers must report only accurate, complete information. Continued reporting of this status is misleading. FCRA 1681s-2 ( b ) ( XXXX ) ( D ) : If a furnisher can not verify accurate information, it must be corrected or deleted. FCRA 1681c ( a ) ( XXXX ) : Prohibits re-aging of accounts. Updating derogatory data post-repossession may qualify as re-aging. FCRA 1681i ( a ) ( XXXX ) : If disputed information remains misleading, the bureau must delete it entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am the rightful owner of XXXX XXXX XXXX XXXX. My business information was compromised by an unknown individual, who used it to open a fraudulent mobile account without my knowledge or consent. I did not authorize the opening of this account, nor did I authorize any services or transactions associated with it. 

As a result of this fraudulent activity, a debt in the amount of {$2100.00} has been reported against me. This debt is false and has caused significant harm, including hindering my ability to establish new lines of credit for my business. This activity is the direct result of fraud and identity theft and must not be attributed to me or my business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am the rightful owner of XXXX XXXX XXXX XXXX. My business information was compromised by an unknown individual, who used it to open a fraudulent mobile account without my knowledge or consent. I did not authorize the opening of this account, nor did I authorize any services or transactions associated with it. 

As a result of this fraudulent activity, a debt in the amount of {$2100.00} has been reported against me. This debt is false and has caused significant harm, including hindering my ability to establish new lines of credit for my business. This activity is the direct result of fraud and identity theft and must not be attributed to me or my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/year> I reserved a last minute car rental. When I reserved the vehicle I paid in advance, the vehicle was not there. On XX/XX/year> the merchant stated the vehicle was in the shop for repairs " sorry for the inconvenience '' I would receive a refund. Instead on XX/XX/year> and XX/XX/year> the merchant began taking more money from my account and blocked me from being able to contact the company. Therefore, I filed a dispute for the transactions made on XX/XX/year> for not receiving the product which was a vehicle, XX/XX/year> unauthorized transaction and XX/XX/year> unauthorized transaction. I explained this in writing and sent a screenshot of the conversation I attempted with the merchant to the investigation department within Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 2025-08-01 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Inaccurate Bankruptcy Reporting by Experian Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding Experian 's continued reporting of an unverifiable XXXX  XXXX bankruptcy on my credit file.

This bankruptcy entry has already been investigated and successfully deleted
by XXXX  as it could not be verified with the furnisher, the U.S. Bankruptcy Court. I provided proper documentation to each bureau and both acknowledged that the item did not meet the Fair Credit Reporting Act ( FCRA ) standard for accurate and verifiable information. 
However, Experian and Equifax continues to list this bankruptcy on my credit report, despite multiple disputes. They have failed to provide any substantiating documentation from the source, nor have they demonstrated reasonable procedures in ensuring the accuracy of this derogatory information.

Under Section 611 of the FCRA, I have the right to dispute information that I believe to be inaccurate or incomplete, and the consumer reporting agency must investigate and remove unverifiable items. Given that XXXX  removed this bankruptcy, I believe Experian and Equifax is not in compliance.

Attached are copies of : My disputes to Experian and Equifax Responses from XXXX confirming deletion.

My identification documents.

I respectfully request that the CFPB intervene and assist in having Experian and Equifax delete the unverifiable bankruptcy from my credit file.

Thank you for your time and assistance.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: UT

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated XXXX  party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( XXXX ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX  party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Initially I received the phone number that I copied above. The woman who I was speaking with said her name was XXXX XXXX. She said there were people in Michigan trying to open up two credit cards and a XXXX XXXX XXXX  and a XXXX  XXXX XXXX credit card. She said, I see you live in Illinois. So that's why they called me. So she asked, she asked if I had a credit card. She said she saw one credit card balance of mine that was over {$3000.00} that I'm currently paying on. I said yes. Then she asked for my last four, which I gave her. And then she said she was transferring me over to XXXX. So she transferred me over. There was a man there whose name was, he claimed, XXXX XXXX. He said he was with XXXX. He said he sent me a link so they could take off this activity that was happening with the credit cards. I did not trust the link. I said, how do I know this is a legitimate link? He's like, you have to click on it and I can verify the information. So I did not click on the link. And he started to get loud with me. And I said, I'd appreciate your tone. And I said, I'm going to hang up. So I hung up, which is when I said, I will call XXXX  on my own, which I did right afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: JBS Finance, Inc.
State: IN

Complaint narrative:
Background check done just a few days prior to the first of XX/XX/year> and it came back with me being on XXXX XXXXXXXX XXXX XXXX. As far as Im aware I havent done anything.

Company response to consumer: Untimely response