vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: VA

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

Company 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 2025-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX  XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX  XXXX ) that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX  XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX  XXXX ) that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/XXXX, I signed up for wise to complete a domestic transfer of funds from one of my bank accounts at XXXX. Wise requested for me to complete their verification process by uploading my drivers license and proof of address along with scanning my face using biometric data to verify my identity. 

Later that day, I received an email saying they have verified my documents ( attached ) so I set up a transfer from my varo account to be sent to my new wise account in the amount of {$150.00}. I connected my bank via XXXX and initiated the transfer. Wise said the money would be available XX/XX/XXXX ( today ). ( 5 business days ) It is now XX/XX/XXXX and although wise has confirmed receipt of my funds, their system says I cant use them because Wise is still verifying my documents. I reached out to their support team who told me that they still needed proof of address. No one sent me an email requesting this information. I had no clue they were missing anything until I called. Also their FAQs says it takes 2-3 business days to verify documents and if anything else is needed, they will reach out. However, no one contacted me. Now it is the end of the week and theyre wanting me to wait another week for them to verify my address using the documents I uploaded with their representative today. 

This is very misleading and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
This company, in addition to violating the FCRA and the FDCPA, has also breached its own contract. I initiated an arbitration proceeding against Aspen National Collection, but the company has broken the agreement by refusing to pay the fees required by the XXXX in order to move the process forward. This not only obstructs my right to resolve the dispute through the agreed forum, but also shows disregard for contractual obligations and federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 dispute the accuracy and validity of the student loan debts reported under my name, associated with the following account numbers : - Account # XXXX opened XX/XX/XXXX, with a balance of {$2600.00} - Account # XXXX, opened XX/XX/XXXX, with a balance of {$5200.00} - Account # XXXX, opened XX/XX/XXXX, with a balance of {$6200.00} - Account # XXXX, opened XX/XX/XXXX, with a balance of {$2600.00} I hereby request a comprehensive investigation and verification of these debts, in accordance with the Gramm-Leach-Bliley Act ( GLBA ), which pertains to the protection and privacy of my personal financial information, as well as the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and fairness of credit reporting. 

Please provide complete documentation to validate the legitimacy and ownership of these debts. This should include, but not be limited to, the original loan agreements, detailed payment histories, and any documentation related to the assignment or transfer of these loans. 

Should you be unable to verify these debts or identify any inaccuracies in your records, I demand the immediate deletion or correction of this information from my credit report and all related records. 

I expect your response within the statutory timeframe of 30 days, as mandated by the FCRA. Kindly send all correspondence to the address noted above. 

Thank you for your prompt attention to 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 2025-10-02 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Subject : Improper Credit Reporting and Account Updates by XXXX XXXX XXXX Summary : I am filing a complaint regarding XXXX XXXX XXXX for continuing to report and make changes to an account that should not be reporting on my credit file. 

Details : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by XXXX XXXX XXXX on my credit report. 

This account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice. 

The addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation. 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AR

Complaint narrative:
Subject : Improper Credit Reporting and Account Updates by XXXX XXXX XXXX Summary : I am filing a complaint regarding XXXX XXXX XXXX for continuing to report and make changes to an account that should not be reporting on my credit file. 

Details : Between XX/XX/year> and XX/XX/year>, a new remark code ( Fixed Rate ) was added to the account reported by XXXX XXXX XXXX on my credit report. 

This account has already been disputed multiple times. It was previously deleted/removed, yet it continues to reappear with new remarks and updates without proper verification or notice. 

The addition of this remark code is misleading and creates the appearance of new or valid activity, which may constitute re-aging of the account.

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation.

15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to provide notice of reinsertion after deletion.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I initiated a dispute with citi credit card because I used my credit card to purchase ( partial purchase, as I also paid cash ) three hurricane sliding doors. The vendor incorrectly installed two doors with the incorrect size doors. The vendor refuses to correct. I disputed this with citi and provided very clear details including pictures. Citi asked the hurricance door vendor to reply to my dispute and they never did. So I asked citi how they could deny my dispute given I had details and pictures to support my claim and the door vendor never replied to the dispute.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint regarding an issue with my Chase bank checking account. 

On XX/XX/2025, I deposited a paycheck of {$4000.00} into my Chase checking account via ATM. A Chase banker informed me that the check was considered risky, so the funds have been held since XX/XX/2025, and I have been unable to access the money. 

During this time, I contacted Chase multiple times through phone customer service and spoke with bankers at the branch. I was told that to verify my employers identity, Chase requires a phone number for my employer that has been verified in Chases public system. This was said to be the only acceptable method for verifying my employers identity. I provided the company phone number, but Chase stated they could not confirm that the phone number belongs to my employer. 

Ultimately, Chase closed my bank account without resolving the issue or releasing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CO

Complaint narrative:
The XXXX account on my credit report is being reported with multiple inaccuracies across all three credit bureaus. 

High Credit Limit : Equifax correctly reports {$300.00}. Experian and TransUnion incorrectly report {$470.00}. 

Payment Status : All three bureaus report the account as Current, but the account is closed.

Reported Late Payments : Each bureau shows different late dates that conflict with one another. For example, TransUnion shows late payments in XXXX XXXX, Experian shows late payments in XXXX XXXX, and Equifax shows late payments in XXXX XXXX XXXX. These can not all be correct. 

Last Activity Date : Each bureau reports a different last activity date ( XX/XX/year> for TransUnion and Equifax, XX/XX/year> for Experian ). 

These inconsistencies are damaging my credit and violate the Fair Credit Reporting Act requirement that information reported to consumer reporting agencies be accurate and consistent. I am requesting that the CFPB require a full investigation and correction. If XXXX and the bureaus can not provide verified and accurate records to support the information, these inaccurate entries should be deleted.

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 2025-10-02 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: CO

Complaint narrative:
The XXXX account on my credit report is being reported with multiple inaccuracies across all three credit bureaus. 

High Credit Limit : Equifax correctly reports {$300.00}. Experian and TransUnion incorrectly report {$470.00}. 

Payment Status : All three bureaus report the account as Current, but the account is closed.

Reported Late Payments : Each bureau shows different late dates that conflict with one another. For example, TransUnion shows late payments in XXXX XXXX, Experian shows late payments in XXXX XXXX, and Equifax shows late payments in XXXX XXXX XXXX. These can not all be correct. 

Last Activity Date : Each bureau reports a different last activity date ( XX/XX/year> for TransUnion and Equifax, XX/XX/year> for Experian ). 

These inconsistencies are damaging my credit and violate the Fair Credit Reporting Act requirement that information reported to consumer reporting agencies be accurate and consistent. I am requesting that the CFPB require a full investigation and correction. If XXXX and the bureaus can not provide verified and accurate records to support the information, these inaccurate entries should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
1. I booked a ticket with XXXX XXXX and at that time signed up for the XXXX XXXX XXXX a couple of year ago. 
2. I had never flown with XXXX below and they cancel my flight. They provided a refund for the flight. 
3. I booked with another airline and cancel my membership to the XXXX XXXX XXXX. 
4. They charged me for the club anyway, but when I complaint and told them I cancel my membership, the charge was removed from my card ( this was last year ). 
5. In XXXX, XXXX, I was again billed on my credit card for the club for {$69.00}. Since I had already canceled the card with XXXX, I contacted my credit card company, XXXX XXXX. They filed a dispute with XXXX, but XXXX said I still had the membership. 
6. The time ran out to dispute to charge through XXXX XXXX, so I starting dealing with XXXX. They did cancel my membership and promised a refund, saying I would hear in 48 hours. That was in XXXX, and I received an email from them on XX/XX/XXXX, starting they were working on this under the number XXXX. 
7. This started a series of emails and online chats, with continued promises to get back to within 48 hours and to process the refund. I have emails from XXXX regarding this issue on XX/XX/XXXX, XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX. 
8. I have twice submitted a copy of the XXXX XXXX letter informing the dispute was closed and they would not be able to refund the money, and that I needed to deal with XXXX directly. In my online chats, the reps have acknowledged that they have the XXXX XXXX letter from me on file. 

Please help. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
The account entry is not representative of my payment practices and appears to be in error. Kindly conduct a review and eliminate it.

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
I advised the company I had never entered into a business agreement with them and I do not owe them any money. I advised for this to be removed immediately from my credit report.

Company response to consumer: Closed with explanation