vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased a travel package through XXXX for {$720.00}. At the time of purchase, I was informed that the total cost would be {$520.00} if I applied for and used the Wells Fargo XXXX XXXX Credit Card. The XXXX website represented that a {$200.00} credit would be applied after charging the purchase to the card ; however, this credit was not applied. 

As of XX/XX/year>, I have not yet received the physical credit card. To ensure I did not miss any payments, I established online account access. Upon reviewing my account, I confirmed that the {$200.00} promotional credit represented on the XXXX website had not been applied. 

Given the representations made at the time of purchase and the absence of the promised credit, this raises concerns regarding potentially unfair, deceptive, or abusive acts or practices ( UDAAP ). I respectfully request prompt review and resolution of this matter, including application of the promised credit or clarification of the terms under which it was offered. 

Please advise on the next steps to resolve this issue.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XX/XX/XXXX : Received bill from XXXX XXXX for {$8.00} XXXX  Violation XX/XX/XXXX : Paid XXXX XXXX {$8.00} and received email confirmation that I paid this bill. reference number : XXXX XX/XX/XXXX : Received same bill for {$8.00}, even though I paid it. I called XXXX and was transferred to the debt collector. I called XXXX ( the dept collector ) to dispute this bill. I also emailed XXXX with proof of payment. I did not hear back. 
Here is the company name : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX : Received same bill for {$13.00}, even though I paid it. I called to dispute this bill. I also emailed XXXX with proof of payment. I did not hear back. 
XXXX : Over the course of XXXX, I have called every other month to ask for resolution on this case. The answer was that it was in dispute and that I would hear back soon. To email proof of payment again. At this point, the bill has escalated to {$58.00} ( {$50.00} in violation fees ) XX/XX/XXXX : I sent physical evidence of proof of payment to the XXXX XXXX through UPS. And received delivery confirmation. 
Sent to Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX UPS : XXXX ( delivered ) XX/XX/XXXX : Called XXXX and emailed with no resolution XX/XX/XXXX : I called XXXX today, three times and kept getting dropped. With no resolution. I am still showing in their system as having owed this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Kindly go through the materials ; the questions came unexpectedly and could be unofficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I disagree with the account listed below still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX in accordance with the fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-12-18 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5900.00} Account name XXXX XXXX XXXX Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Balance {$0.00}

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 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Innovative Recovery , Inc. for reporting a collection account that first appeared on my credit reports on XX/XX/year>, with a stated balance of {$3300.00}. I dispute this debt in full. Innovative Recovery , Inc. has violated federal consumer protection laws by ( 1 ) attempting to collect and report a debt without any contract or lawful basis establishing that I owe Innovative Recovery , Inc. or that they have the legal right to collect this alleged obligation ; ( 2 ) furnishing this account to the credit reporting agencies without providing proper notice and an opportunity to dispute and obtain validation, as required under the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e ( false, deceptive, or misleading representations ), 1692f ( unfair practices ), and 1692g ( validation notice and dispute rights ) ; and ( 3 ) reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) ( duty to furnish accurate information ) and 15 U.S.C. 1681s-2 ( b ) ( duty to reasonably investigate and correct/cease reporting after a dispute ). Additionally, if Innovative Recovery , Inc. failed to provide required disclosures or attempted to collect without meaningful review or substantiation, this also constitutes an unfair and/or deceptive act or practice under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 and 5536. I left the apartment ( s ) within my lease terms and/or moved forward by purchasing a new home, and I do not owe any apartment complex the amount claimed. I am requesting that the CFPB require Innovative Recovery , Inc. to provide full documentation proving the debt and their authority to collect ( including the original lease/ledger, move-out statement, chain of assignment, and itemization ), and to immediately delete this tradeline from all credit reporting agencies if they can not fully substantiate it, as well as to stop all collection and credit reporting activity that is inaccurate, unverified, or unlawfully furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I disputed a credit card charge with Citi in XX/XX/year> because the merchant charged me twice for the same item. The total purchase amount was XXXX XXXX XXXX, and the merchant processed the same transaction twice. 

At the time of purchase, the merchant informed me that my Citi credit card was declining. I have a screenshot showing the charge pending on the Citi card ; however, on the merchants side the transaction continued to show as declined. Because of this, I completed the purchase using another XXXX card ending in # XXXX, for which I also have a receipt. 

Approximately three days later, I discovered that the Citi card had successfully processed and posted, resulting in a duplicate charge for the same item. I submitted receipts clearly showing that the merchant was paid twice for a single purchase and explained this during multiple calls with Citi. 

Due to currency exchange conversion, the duplicate charges posted as {$130.00} on the XXXX card ending in # XXXX and {$130.00} on the Citi card ending in # XXXX. The small difference in cents is the result of exchange rate fluctuations at the time of processing and does not represent separate purchases. 

After months of delays, repeated reclassification of the dispute, and inconsistent handling by multiple agents, Citi sent me a letter stating that they determined I am responsible for the charge. The letter does not explain why clear evidence of a duplicate charge was disregarded, nor does it address the receipt documentation I submitted. 

Throughout this process, each agent has stated that my dispute was placed into a different category, and the category has been changed multiple times. I have spoken with several supervisors, all of whom stated they understood and agreed with my dispute, yet no resolution has been reached. My most recent conversation was with XXXX ( Reference ID # XXXX ). 

I believe Citi failed to conduct a reasonable investigation and issued a determination that directly contradicts the evidence provided. Under the Fair Credit Billing Act, duplicate charges are billing errors, and card issuers are required to properly investigate disputes before holding a consumer responsible.

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 monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , the Experian credit reporting agency , the Equifax 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX And the hard inquiries : XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2025-12-18 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: NY

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 2025-12-18 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 dispute the following items on my TransUnion credit report as they are inaccurate and do not reflect my correct credit history : CHARGED OFF : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX CARD, XXXX, XX/XX/XXXX, {$300.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$440.00} XXXX XXXX XXXXXX/XX/XXXX, {$450.00} XXXX XXXX XXXXXX/XX/XXXX, {$3000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXX 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 non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am writing to dispute multiple accounts that have been reported inaccurately on my credit report. The details of the disputed accounts are listed below : Charged Off Accounts : XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX XXXX Balance : {$62.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX/DOFED, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} Inquiries : XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX CARD, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : 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 2025-12-18 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
I received a email stating my account was restricted due to suspicious activity on my account on XX/XX/year> ams I had to wait XXXX hours to be able to use my account after waiting XXXX hours it was unrestricted and XXXX minutes back restricted without explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies found in my credit report as reported by the XXXX major credit bureaus. Below are the details of the accounts in dispute, separated by bureau : Inquiries XXXX XX/XX/year> XXXX XX/XX/year> Late Payments XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief