vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-24 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: NY

Complaint narrative:
After seeing my credit report, I have seen that accounts are showing up with late payments that are being reported illegal.

According to 15 U.S. Code 1681 ( 4 ), you must respect a consumer 's right to privacy and fairness, which your agency is in direct violation of under the FCRA. additionally 15 U.S. Code 1681 ( 2 ) ( A ) i clearly shows that it is ilegal to report transactions or experiences between the consumer and the person making the report, and late payments are experiences between me and your agency. To make matters worse, you can not provide any account as late according to 15 U.S. Code 16668 unless the information of 15 U.S. Code 1637 is delivered 21 days before my creditor 's payment due date, which your company did not do.

As a consumer of my credit report, I have not received any written or electronic notification that my nonpublic personal information would be exposed to your agency, nor have I been given the opportunity to get out of the exposure, which is a violation of 15 U.S.

Code 6802. Throughout the course of this letter, your agency has broken multiple laws governed by the FCRA ; therefore, all late payments must be removed 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 2025-10-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: Chime Financial Inc
State: LA

Complaint narrative:
Subject : Formal Complaint Against Chime Financial , Inc. for Failure to Resolve Verified Fraudulent Transactions Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Chime Financial , Inc. for their refusal to properly investigate or reimburse a series of fraudulent transactions totaling over {$5000.00} that occurred on my account.

Despite providing conclusive evidence that the transactions were unauthorized and made by another individual, Chime has repeatedly closed my dispute without resolution. The fraudulent party successfully completed Know Your Customer ( KYC ) verificationincluding government-issued ID and selfie verificationunder their own identity. This clearly demonstrates that the account used to make these transactions does not belong to me.

I have filed multiple dispute claims and submitted rebuttals with supporting documentation to Chime, all of which were denied without any legitimate basis. The investigation evidence provided by Chime demonstrates a complete lack of due diligence and fails to show that any meaningful inquiry was performed. 

Furthermore, the merchant involved, XXXX XXXX XXXX ( also known as XXXX XXXX ), has refused to respond to any emails or communications. I have reported these fraudulent transactions to law enforcement, including the local police department, the Internet Crime Complaint Center ( IC3 ), and other relevant agencies. Despite this, Chime continues to deny my rightful reimbursement, contrary to Regulation E of the Electronic Fund Transfer Act ( 12 CFR 1005.6 ), which mandates that financial institutions promptly investigate and credit consumer accounts when unauthorized transactions are reported.

I request that the Consumer Financial Protection Bureau conduct an immediate review of this matter and compel Chime Financial , Inc. to : Reopen and properly investigate the disputed transactions ; Provide full reimbursement of the funds totaling $ XXXX ; Supply documentation demonstrating their investigation process and findings ; and Ensure compliance with Regulation XXXX regarding consumer protection in cases of electronic fund transfer fraud.

Please find attached copies of the dispute communications, police report, IC3 complaint acknowledgment, and correspondence with XXXX XXXX XXXX for your review. 

Thank you for your prompt attention to this matter. I am requesting that this issue be investigated at the earliest possible opportunity to ensure consumer protection laws are properly enforced. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MD

Complaint narrative:
My car was repossesed during XXXX  XXXX. The vehicle was sold yet my balance never reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
After seeing my credit report, I have seen that accounts are showing up with late payments that are being reported illegal.

According to 15 U.S. Code 1681 ( 4 ), you must respect a consumer 's right to privacy and fairness, which your agency is in direct violation of under the FCRA. additionally 15 U.S. Code 1681 ( 2 ) ( A ) i clearly shows that it is ilegal to report transactions or experiences between the consumer and the person making the report, and late payments are experiences between me and your agency. To make matters worse, you can not provide any account as late according to 15 U.S. Code 16668 unless the information of 15 U.S. Code 1637 is delivered 21 days before my creditor 's payment due date, which your company did not do.

As a consumer of my credit report, I have not received any written or electronic notification that my nonpublic personal information would be exposed to your agency, nor have I been given the opportunity to get out of the exposure, which is a violation of 15 U.S.

Code 6802. Throughout the course of this letter, your agency has broken multiple laws governed by the FCRA ; therefore, all late payments must be removed 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC recently did a system upgrade. Since the upgrade the External Transfer feature has not worked. Furthermore the past External Transfer History does not show up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: DC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
First C.S. agent gave me misinformation told me I was only 2 months ahead ( actually 3 ) on my auto loan # XXXX but she did explain in detail how to get to the website location that I needed clarification on their policy regarding being " 3 months ahead on loan payments ''. I requested a supervisor but had to find my notes so I disconnected. I called back right away and directly asked for a supervisor and got connected with XXXX XXXX. I told her I needed clarification on the policy and asked her to go to the same location on the website. She told me she couldn't and I let her know I'd walk her through it just like the prior agent helped me to. She was being difficult and went to my payment history instead and I asked her if she was refusing to clarify their policy just as it is worded in the website statement. She put me on a 2 minute hold she said, but hung up shortly after. I called a third time and spoke to XXXX XXXX XXXX and asked for a complaints department telephone # and said hed XXXX the complaint against the supervisor that refused to do her job and hung up, but I wanted to make sure and do it myself. I requested Supervisor XXXX XXXX who had been very helpful in the past and I had been transfered to on a prior occasion but he said he couldn't transfer me to him. Wells Fargo Auto is not supposed to be applying anything to interest if I'm 3 months ahead, it's all supposed to go towards my principal from what I'm comprehending. Also online when I log in it doesn't show correct info for example the last payment received was XX/XX/XXXX but the are showing XX/XX/XXXX. That is deffinitely affecting my loan management. Since XX/XX/XXXX when I made a payment of {$1500.00} that put me 4 months ahead because I had already made my regular payment of {$470.00} on XX/XX/XXXX. Since that {$1500.00} payment is have made a {$500.00} payment each month and have to call then every month to have them either change my next payment due date on the website because it's not updated correctly or me Principal Balance isn't correct. This is ridiculous and I'm fed up. I made a payment of {$500.00} today XX/XX/XXXX and now after I submit this complaint I'm going to call them again so I can formerly complain or try to at Wells Fargo Auto and have them correctly assign my funds as a regular payment instead of an interest only payment which doesn't move my payment date further

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX simple Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX. 
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/year>, I was the victim of a Wells Fargo imposter scam. The scammer impersonated Wells Fargo and instructed me to transfer my own funds via XXXX ( approximately {$1400.00} ) and XXXX ( approximately {$4300.00} ) to protect my account. The scammer 's phone number appeared as a " WellsFargo '' number on my phone. The scammer told me that unauthorized transfers had been initiated from my XXXX account linked to my Wells Fargo account and offered to help me resolve them. The scammer also told me that if I needed to fix the error immediately otherwise I would not have access to any of my money. When I realized I had been a victim of a scam, I reported the scam to Wells Fargo. Wells Fargo initially reimbursed me while they were investigating the fraud, but then reversed the reimbursement, claiming I now owe Wells Fargo for some of the funds they initially credited to my account. 

I did not transfer these funds willingly, or for personal gain, or for business purposes. I was manipulated and deceived by a party falsely representing themselves to be Wells Fargo. This is a recognized form of bank imposter fraud, which the FTC and federal regulators have identified as a growing problem affecting consumers who believe they are interacting with their actual financial institution. 

I'm requesting that Wells Fargo reconsider by case and remove the debt associated with these fraudulent transactions. I can provide supporting documents ( call logs, letters, transfer logs ) showing this was a sophisticated scam that impersonated Wells Fargo. 

Thank you very much.

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 2025-10-24 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. 
Below are the details of the account in question : Creditors Name : XXXX XXXX  Account number : XXXX Date of charge off : unknown It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-10-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This dispute is not a mistake. My credit report contains inaccurate entries that have harmed my credit and caused ongoing emotional and financial distress.

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 2025-10-24 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 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