vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: OH

Complaint narrative:
I received letters from Maury Cobb law firm. In regards to a bill to XXXX for equipment. I spoke to them in XXXX they told me everything was good to go I did not owe anything. And now I have a collections on my credit report from XXXX XXXX. Who was hired by them to try to collect a bill that I do not owe. I have looked both of them up and neither one is licensed in the state of Ohio to do business here and try to collect anything. I have reported both of them to the Ohio Attorney General. I have spoke to XXXX they are correcting the issue but Maury Cobb law firm stated they will continue to call me. I have told them to cease and desist all communication with me and they stated they do not have to. Which I have a recorder conversation of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
Kindly examine the documents ; the inquiries showed up without advance notice and may not be validated.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-21 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: LA

Complaint narrative:
I am disputing the following accounts on my Equifax credit report due to discrepancies and inaccuracies in reporting. 

Inquiries : XXXX XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXXXX/XX/XXXX ( XX/XX/XXXX ) Late Payments : XXXXXX/XX/XXXX ( Account : XXXX ) XXXX XX/XX/XXXX ( Account : XXXX ) XXXX ( Account : XXXX ) XXXX & XXXX BANK ( Account : XXXX ) XXXX XXXX ( Account : XXXX ) XXXX XXXX ( Account : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MD

Complaint narrative:
Wise gave me the amount of US currency to be withdrawn from my account to be converted to XXXX XX/XX/XXXX pesos and sent to a bank in the XXXX. I finalized the transaction onXX/XX/XXXXXX/XX/2025. Wise took that amount of money out of my XXXX XXXX checking account onXX/XX/XXXX XX/XX/2025. On XX/XX/XXXXthey emailed me unbeknownst to me saying the transaction was placed on hold due to a rate change after they had already withdrawn the previously agreed upon amount. They made an offer and I accepted deal is done by my knowledge from my XXXX XXXX classes. I would bet if the rates changed and changed in my favor this wouldnt have happened. You guys got to nip this garbage in the bud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: OR

Complaint narrative:
On XX/XX/scrub> 2024, my account with Zip XX/XX/XXXXXX/XX/XXXX a buy now pay later service, was compromised by an unauthorized party. XX/XX/XXXX fraudulent payment plans were established through my account without my knowledge or consent : XXXX for {$35.00} and XXXX for {$83.00}, both for XXXX by XXXX services I did not authorize or receive. 
I discovered the unauthorized activity when I received notices about these payment plans. I immediately reported the fraud to the company on the same day and also notified my bank to dispute the unauthorized charges. 
The company has failed to take corrective action for XXXX weeks. Their response has been that because my bank initiated a dispute on the fraudulent charges, they can not investigate or cancel the unauthorized payment plans until the bank dispute is removed. This places me in an impossible situation where I must choose between maintaining fraud protection through my bank or getting resolution from the company. 
I have requested : Immediate cancellation of both fraudulent payment plans Confirmation that I am not responsible for any debt from these unauthorized accounts Assurance this will not negatively impact my account standing The company has not cancelled the payment plans, has not confirmed I'm not liable for the fraudulent debt, and continues to state they can not assist while a bank dispute is active. I reported this fraud to them first, and they have had ample time to investigate the security breach on their platform but have taken no substantive action to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: MD

Complaint narrative:
TEK COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research TEK COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXX/XX/XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One closed all of my credit accounts, which account for over XXXXXX/XX/XXXXpercent of my credit, abruptly. Upon requesting why the accounts were closed, the company provided a vague letter of not complying with general customers or something similar. When asked to clarify this reasoning, they just repeateidly read the letter to me. I asked again to clarify what suspicious activity happened considering nothing had changed with my account and finally got to a supervisor level. Here the supervisor explained it was due to a returned payment on XXXX account. I explained the actual payment was made after the alert of the auto pay failing, and autopay was closed since it was going to the wrong account. They also ignored the fact that the auto pay payment was on top of my initial minimum payment that was already completed earlier. Capital one showed XXXX sympathy with this, and continued to read the letter. I asked why XXXX account impacts all my accounts, of which are all current and timely, and they failed to provide a reasoning as to why that policy exists. 

Essentially one returned payment, which was linked to Capital One, and then paid by a XX/XX/XXXXCapital One account, all under my name and under the same profile, was flagged as a reason to close all of my accounts with the company with no warning or further reasoning. I dont feel it is fair to close current and good standing accounts over their own error, which was attempting to process a XX/XX/XXXX auto pay after I had already canceled the feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I am filing this complaint against XXXX Bank for continued inaccurate credit reporting regarding account ending XXXX. This debt was officially discharged due to fraud and confirmed on IRS Form XXXX, which clearly states I am not personally liable for repayment. 

Despite receiving dispute documentation and regulatory complaint response confirming discharge, XX/XX/XXXX is still reporting the account as a charge-off with an outstanding balance, which is factually incorrect and a violation of : FCRA XXXX requiring reasonable procedures to ensure accuracy FCRA XXXX duty of the furnisher to report accurate information I have previously disputed this with the credit bureaus and submitted documentation ; however, the account remains inaccurately reported. I am requesting immediate correction and deletion of all negative reporting related to this account, as it does not reflect the actual resolution. 

Delete the account from all credit bureaus or update to paid/zero balance with no derogatory remarks Provide confirmation of correction Notify all CRAs immediately Supporting documentation ( including IRS XXXX XXXX XXXX forwarding letter, and complete dispute file ) is attached

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 2025-11-21 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additionalXX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 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: NY

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
This situation has caused me severe emotional distress, tension in my marriage, and concerns about my job. I feel overwhelmed because an account I never authorized is harming my credit and reputation. The lender found no record linked to me, confirming this is fraudulent. I urgently request that all of this be REMOVED and BLOCKED from my credit report. These unauthorized inquiries must be removed, including XX/XX/XXXXon XX/XX/XXXX, XXXX on XX/XX/XXXX, and XX/XX/XXXX on XX/XX/XXXX. This Bankruptcy must also be deleted, specifically XXXX XXXX Bankruptcy under case number XXXX. Additionally, these fraudulent accounts must be removed as well, including XX/XX/XXXXfrom XX/XX/XXXX and XXXX XXXX from XX/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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly check the content ; the inquiries came abruptly and may not be sanctioned.

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 2025-11-21 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: CA

Complaint narrative:
I am a consumer attempting to fix my credit. Below are the accounts I am disputing with TransUnion : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} Inquiries ( There are no inquiries listed under XXXX  ) Positive Accounts ( There are no positive accounts listed under XXXX  ) Late Payment Accounts XXXX, XXXX ( Reported Late Payment )

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 2025-11-21 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:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-21 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: FL

Complaint narrative:
A debit card was ordered when the Chime checking account was opened. After speaking to a chatbot representative, I was informed that USPS failed to deliver it. A new card was requested at that time and that it would take approximately XXXX weeks to receive it. After those XXXX weeks, I spoke with another chatbot representative and informed them that I received an email requesting me to update my address. They already had my address on file since they sent me a credit builder card ( physical ). I was informed that the card was never ordered to be replaced from the first one that was not received. Then I would need to wait another XXXX weeks to receive the physical debit card. I do not wish to continue doing business with Chime as they have proven how poorly their customer service and follow-ups are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
Please analyze the documents ; the questions arrived without any prior signal and may not be authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XXXX i made an ach transaction of {$150.00} from my XXXX XXXX account to my Navy Federal bank in purpose of to pay on my credit card. This money was received on Navy federal end but then reversed back to XXXX XXXX with NSF code. Once i was aware that was the case, i then transferred money from the savings into the checking to cover the {$150.00} to send again on XXXX. Navy Federal once again received the funds on XXXX, it was then reversed by XXXX XXXX with code XXXX-Uncollected funds. At this point neither bank has no clue whats going on nor has a solution of getting the {$150.00} back into my account. I have called and chated with multiple agents from both banks and sadly neither bank can help nor has a solution. I was given a trace for the missing funds XXXX. This also did not help neither bank. It is now XX/XX/21 with no resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: RI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-21 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: NY

Complaint narrative:
I am submitting this complaint because Equifax is reporting information that I believe is inaccurate or unverified. I have disputed the items below with Equifax, but they remain on my report without proper validation. 

INQUIRIES XXXX XX/XX/year> I do not recall authorizing this inquiry and request documentation showing proof of permissible purpose. 

I request that Equifax fully validate this inquiry or remove it if proper authorization can not be proven under the FCRA.

Company response to consumer: Closed with non-monetary relief