vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/2025, I received a legitimate payroll deposit from my employer, XXXX XXXX. The transaction clearly identified XXXX XXXX as the sender. Despite this, Wise.com ( formerly TransferWise ) immediately restricted my account without cause, freezing all of my available funds. 

Wise.com demanded verification documents, including my most recent tax returns, which I promptly provided. They then requested pay stubs, which I also submitted. In addition, I directed them to the official XXXX government website, where they could easily verify my employment and licensing under XXXX XXXX. My name and credentials are publicly listed. 

Despite fulfilling all requests and providing multiple layers of verification, Wise.com refused to accept any documentation. Instead of resolving the issue, they abruptly closed my account and froze my funds, without justification or due process.

As a result of this discriminatory and negligent behavior : Two major bills went unpaid yesterday, damaging my payment history.

My mortgage payment, scheduled for today, will now bounce, resulting in late fees, credit harm, and possible mortgage delinquency. 

I am unable to pay contractors currently working at my home. 

I had a prepaid trip scheduled for today, which I now can not attend due to being denied access to my own money. 
Wise.com has engaged in what I believe to be discriminatory financial profiling, treating legitimate payroll deposits from a licensed U.S. mortgage lender as suspiciousdespite overwhelming proof. Their actions have caused significant financial hardship, emotional distress, and may rise to the level of unlawful account discrimination and withholding of funds.

I am requesting that the Consumer Financial Protection Bureau investigate Wise.coms practices regarding account closures, document verification, and fund withholding. Their behavior shows a pattern of arbitrary enforcement, lack of transparency, and disregard for the legal rights of American workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I ordered a box of 60 checks through XXXX XXXX for my PNC checking account on XX/XX/XXXX. They were printed and shipped on XX/XX/XXXX via XXXX without any tracking information. I should have recieved them on XX/XX/XXXX but they never arrived. I called PNC to put a stop payment on the missing checks. They would only put a stop payment on the missing checks for 6 months. This means that if when anyone finds these checks, they can start cashing them after 6 months. I would have to continue to put a stop payment on them every 6 months at my expense for as long as the account is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-06 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: VA

Complaint narrative:
I am filing a formal complaint against Zip ( formerly Quadpay ) for their failure to resolve a clear case of fraud on my account. 

On XX/XX/2025, an unauthorized transaction in the amount of {$200.00} was made through a -linked Zip account to purchase an online gift card. This account had not been used in years and was previously closed. Somehow, Zip still allowed someone to access it and complete a transaction without verifying the users identity. 

Since then, Ive contacted Zip FOUR times by email, SEVEN times by phone, and once via live chat with zero resolution. I provided all requested documentation to prove this transaction was fraudulent. Despite this, Zip continues to charge me biweekly for a purchase I did not make, and no one from their team has followed up with me. 

To make matters worse, in order to even see the fraudulent transaction, Zip made me go through a multi-step verification just to access the account I had previously closed yet they did not require that same level of verification when the fraudster accessed and used it. 

Zip has not requested any additional information since the original ticket was submitted. I have done my part, multiple times. As of today XX/XX/2025 this issue remains unresolved. 

I am beyond frustrated and deeply disappointed in the lack of urgency and communication from this company. This experience has been unacceptable and borderline negligent. A company that can not adequately protect its users from fraud or offer responsive customer service should not be allowed to operate. 

I am requesting that this fraudulent charge be reversed immediately, all scheduled payments canceled, and that my name be cleared of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my Equifax Credit Report. My latest credit report shows 1 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : Inquiry Account Name : XXXX XXXX XXXX Date : XX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$71.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: TX

Complaint narrative:
I signed up for Netspend Debit Account on XX/XX/year> for a promotion which show Earn {$200.00} when you direct deposit {$400.00} in 60 days. I made direct deposits of at least {$400.00} more than once, and activated the card. I think that I have met all the requirements for bonus. However, I have not received the {$200.00} bonus.

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 2025-08-06 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:
I have no association with these accounts, which were fraudulently created. Please ensure they are removed from my credit file within 15 days per USC 1681g.

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 2025-08-06 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-06 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: EQUIFAX, INC.
State: GA

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-06 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: GA

Complaint narrative:
I am filing this complaint against Experian due to their repeated failure to properly investigate and remove inaccurate, outdated, and unverified information from my credit report. I have disputed these accounts multiple times, and despite providing context and requesting proper documentation, Experian continues to report the items as verified without any real proof or reinvestigation. The following accounts are still being reported inaccurately : XXXX account number XXXX, Date Opened XX/XX/XXXX, Balance {$9700.00}, showing late payments ; XXXX  account number XXXX, Date Opened XX/XX/XXXX, High Credit {$500.00}, marked as a charge-off ; XXXX  account number XXXX, Date Opened XX/XX/XXXX, Balance {$780.00}, charge-off ; XXXX XXXX XXXX account number XXXX, Date Opened XX/XX/XXXX, Balance {$88.00}, marked as charge-off ; XXXX XXXX account number XXXX, Date Opened XX/XX/XXXX, Balance {$2400.00}, charge-off ; XXXX  account number XXXX, Date Opened XX/XX/XXXX, Balance {$680.00}, also listed as a charge-off ( which appears to be a duplicate ) ; another XXXX XXXX account number XXXX, Date Opened XX/XX/XXXX, Balance {$0.00}, still showing late payments despite being closed ; XXXX account number XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX, Balance {$0.00}, which is also reporting a late payment ; and a public record for bankruptcy from XXXX XXXXXXXX XXXX XXXX XXXXXXXX with Reference Number XXXX that was never verified directly with the court. Additionally, my credit report contains two wrong addresses : XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX XXXX both of which I have never lived at or used on any credit application. These false entries are causing ongoing harm to my creditworthiness and personal reputation. I have followed the dispute process as laid out by the Fair Credit Reporting Act, but Experian continues to verify these items without providing any actual validation from the original creditors or court sources. This constitutes a clear violation of FCRA 607 ( b ) and 611, and I am asking the CFPB to hold Experian accountable and compel them to either verify each item with documented proof or remove them from my report immediately.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
A fraudulent account has been reported on my credit file without my authorization. I did not open or consent to this account, and it is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 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