vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TX

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 explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with vpnmy federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I had a credit builder account with chime and it got closed due to bankruptcy XX/XX/XXXX. They never gave me a warning letter or anything. I have a checking account with them and they didnt even transfer my funds over they just closed it and took my money. They had told me I would be receiving a closures check with the remanding funds in 30 days, if my lawyer doesnt send them documents to reopen the account. It is now XX/XX/XXXX and I havent received anything. I called XX/XX/XXXX and one of the customer service representatives told me that my check is possessing and it would be to me in 2 days its coming from USPS. I never received it, So now they have transferred me to 4 departments after I asked to speak with a supervisor. At this point I feel like chime stole my money {$590.00} may not be a lot to everyone but I have kids and this hurt me specifically on the first when rent was due. I have been with this company since XXXX and never had problems until now. I have the chime member on record tell me that I would receive it in 2 days through USPS and then when I called them back after the 2 days, another told me they didnt understand why I was told that .i wish I could upload recording because I would

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2025 I filed Claim # XXXX with Wells Fargo for an unauthorized {$51.00} debit card charge at XXXX XXXX. When I submitted the claim online, Wells Fargos system confirmed in writing that I would receive a {$51.00} provisional credit while the investigation was pending ( screenshot attached ). That credit has not been applied to my account. 

Additionally, Wells Fargo misclassified my dispute as Dont remember this transaction instead of Unauthorized transaction. This is incorrect and misrepresents the situation. I am requesting Wells Fargo honor their written confirmation of the provisional credit and properly record my claim as an unauthorized transaction.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Credit Systems Int Inc for the unlawful and inaccurate reporting of a collection account in the amount of {$1500.00}, allegedly opened on XX/XX/year>2025. 

I have never signed any agreement or contract with Credit Systems Int Inc. I never gave authorization, consent, or permission for this company to access, hold, or use my personal information. Therefore, I did not agree for my account or personal data to be transferred to or managed by this company. Without my wet signature proving consent, they have no legal right to be reporting or attempting to collect on this account. 

Despite this, Credit Systems Int Inc has reported this account to the credit bureaus, causing serious harm to my credit file. They have failed to provide a single piece of valid documentation that proves the account belongs to me. I disputed this account, yet they have not provided : A contract or application with my wet signature showing I agreed to the account. 

Proof that I authorized the transfer of my personal information to their agency. 

Proper assignment documentation showing they are legally permitted to collect on this debt. 

By reporting unverifiable information and holding my personal data without consent, Credit Systems Int Inc is in direct violation of multiple consumer protection laws, including : FDCPA ( 15 U.S.C. 1692g ) requiring debt collectors to provide proper validation upon request.

FDCPA 807 ( 15 U.S.C. 1692e ) prohibiting false, deceptive, or misleading representations.

FCRA ( 15 U.S.C. 1681b ) limiting the circumstances under which a consumers information may be obtained.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) requiring furnishers to investigate and correct disputed information.

Texas Finance Code 392.101 requiring written authorization and documentation before attempting to collect or report a debt.

Credit Systems Int Inc is knowingly reporting false, unverifiable, and illegally obtained information. This is reckless, unlawful, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: VA

Complaint narrative:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable anxiety and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

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 2025-08-26 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-26 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
1. Conflicting Statuses Accounts are shown at the same time as Charge-off, Profit & Loss ( PRL ), Cancelled by XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX. This is contradictory and misleading ( violates FCRA 1681e ( b ) ). 
2. Balance Increases After Charge-off Balances continued to update as past due after being reported as charged-off, which is inaccurate ( violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ). 
3. Re-Aging of Debt Accounts are scheduled to remain until XXXXXXXX even though delinquencies began in XXXX unlawfully extending the reporting period ( violates FCRA 1681c ( a ) ( 4 ) ). 
4. Failure to Correct After Dispute Despite my disputes, XXXX failed to conduct a reasonable reinvestigation and simply marked the accounts verified ( violates FCRA 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one account appeared opened on XXXX XX/XX/2025, showing delinquent 16 XX/XX/2025 Credit limit of {$10000.00} Credit report was obtained by XXXX XXXX XXXX XXXX by XXXX XXXX. I have contacted both the XXXX XXXX and XXXX XXXX. I can understand the XXXX XXXX not being able to do anything but XXXX XXXX seems hesitant to help. I submitted a report on XXXX XXXX to XXXX XXXX and have no response to date. Contacted them tonight and they said to file Fraud claim through FTC and then send them a copy of complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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. This fraudulent, inaccurate, and false information consists of XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account is in violation of not reporting XXXX accurate. 
XXXX OF XXXX Account Number : XXXX Please remove it from my credit report.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX proof from the XXXX 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Follow-up Complaint Inaccurate " Bankruptcy '' Payment Status on Closed Account with XXXX XXXX Dear CFPB, I am writing to submit a follow-up complaint regarding a reporting error on my credit file related to my XXXX  XXXXXXXX XXXX XXXX account. While the account now shows as paid in full with a {$0.00} balance, the Current Payment Status and Worst Payment Status sections still inaccurately reflect that the account was " Included in Bankruptcy. '' This information is inaccurate and misleading, as : I have made 100 % of the payments on time during the life of the loan. 

The loan is fully paid off with {$0.00} left to pay. 

The bankruptcy notation has already been removed from the main section of the account by Equifax. 

Account Details : Creditor : XXXX XXXX Account Opened : XXXX XXXX, 2020 Account Status : Closed Paid in Full Balance : {$0.00} Payment History : 100 % On-Time Payments Incorrect Status Shown : " Included in Bankruptcy '' under both Current and Worst Payment Status I have already disputed this directly with Equifax and the bankruptcy notation was removed from the general account summary. However, the " Current Payment Status '' and " Worst Payment Status '' still reflect the inaccurate bankruptcy inclusion, which continues to negatively affect my credit profile. 
Ensure that the XXXX XXXX account is reported as : Paid in Full Paid as Agreed No derogatory status Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Date : XX/XX/year> Debt Collector : Midland Credit Managem Debt Collector Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX Request for Debt Account # : XXXX To Whom It May Concern, I am responding to your contact about an alleged debt. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide me with the following information : The amount of the alleged debt ; The name of the original creditor ; A detailed statement of the account, including an itemized breakdown of the balance, fees, interest, and payments ; Copies of any judgment, contract, or agreement bearing my signature that makes me legally obligated to pay ; Proof that you are licensed to collect debts in my state, including your license number and issuing authority.

Until you provide the requested validation, and as required by law, you must cease all collection activity, including reporting to credit bureaus.

Please send your response to the address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 non-monetary relief
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I placed an order on XX/XX/XXXX  using Zip installment plan [ XXXX ]. As of XX/XX/2025, I have not received the goods. I made repeated attempts to contact both the merchant and Zip without resolution. I sent written communications to Zip on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2025, but received no substantive response. I also wrote Zip on XX/XX/2025 with no reply. 

Throughout XXXX and XXXX, I made multiple attempts to contact the merchant, but never received a response. XXXX informed me they could not intervene and directed me back to the merchant. The merchant is now unreachable, and their website has gone offline. 

It has been over 100 days since the order was placed, and I still have no product, no refund, and no resolution. I am being billed through Zip for a purchase that was never delivered, which I believe violates the Fair Credit Billing Act and Texas consumer protection laws. 

I am requesting that Zip cancel this installment plan and issue a full refund of all payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NJ

Complaint narrative:
I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX. An inquiry not connected to any accounts : XXXX XXXX. Addresses wrongly reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I XXXX XXXX XXXX XXXX XXXX  I XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the and my right to dispute the debt by just attaching themselves to my credit profile. These addresses and their variations listed are not associated with my person.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDITBUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able toacquire a new house for my children, these collections were eliminated and not verified by others bureaus I don'tunderstand how they usually say that these accounts are mine, I have requested contracts from this company withmy information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank 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 2025-08-26 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:
I have seen that incorrect accounts are still appearing on my credit report and were not removed as expected. For this reason, I ask that the documents I provided be carefully reviewed so that I wont have to keep stressing about this matter.

Company response to consumer: Closed with explanation