vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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:
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 2025-12-09 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

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 2025-12-09 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: MN

Complaint narrative:
I am filing a formal complaint against Chime Financial , Inc. for their reckless, unjustified, and completely destabilizing handling of my account following a transaction dispute. This dispute was not fraud in any capacityI authorized the transaction, and I filed the dispute strictly because of the merchants service issuesyet Chime chose to misclassify it as fraud and take the most extreme action possible without notifying me or even attempting to confirm anything with me. I have been a Chime customer since XXXX, have filed multiple disputes over the years, and not oncenot a single timehas Chime ever disabled my card simply because I filed a dispute that was not fraudrelated. This sudden and drastic behavior makes no sense and shows a complete lack of consistency or reliability in how they handle customer accounts. Instead of communicating with me like a normal financial institution should, Chime disabled my only debit card without warning, without explanation, and without giving me any chance to prepare for the impact. They then made matters worse by mailing a replacement cardone I did not authorize, request, or consent toto an old, invalid address, even though this card is my sole method for access to daily living essentials like food, transportation, payments, and emergencies. At no point did they verify my address or even acknowledge the risk they created by sending my financial access to the wrong place. When I contacted support, I was given the same generic script about the card being disabled for my safety, even though there was no fraud involved and nothing about the situation justified this level of disruption. They also told me the card could not be reactivated under any circumstances, leaving me completely locked out of my own money with XXXX temporary solution, no expedited option, no corrected addressnothing. This behavior is negligent, unacceptable, and demonstrates a complete disregard for customer stability, safety, and access to funds. The financial stress, personal inconvenience, and emotional frustration this caused are entirely Chimes fault, especially considering that I have been a loyal customer for years and have never experienced this level of incompetence from them before. I am requesting that the CFPB require Chime to take full accountability for this situation, including explaining why such an extreme action was taken without consulting me, acknowledging that their misclassification and lack of communication directly caused the harm, compensating me for the financial and personal impact, and implementing proper policy changes so customers are not blindsided by reckless decisions like this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Spring Oaks Capital is reporting a collection account ( # XXXX ). They have failed to verify or validate the debt when requested. 

The reporting is inaccurate and must be removed per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am filing this complaint because U.S. Bank is attempting to collect and report a debt that has not been properly validated and appears to be the result of fraudulent or unauthorized use of my and/or my business information. 

I am submitting my debt validation letter directly through the CFPB portal as part of this complaint. In that letter, I explain that the alleged credit card account ending in XXXX is DISPUTED. I requested full validation of the alleged debt and documentation sufficient to show that this account is legitimate and authorized. Specifically, I requested : An authentic contract or agreement bearing my signature that allegedly created this obligation ; An itemized account history showing how the alleged balance was calculated ; Proof that U.S. Bank is the originator and lawful owner of the alleged debt, or that it has proper legal standing and assignment to collect it ; A complete accounting or general ledger documenting all transactions tied to the alleged balance ; and Disclosure of the true party in interest, including whether the alleged obligation has been sold, securitized, or transferred. 

My position is that if U.S. Bank can not provide this documentation, that failure to validate will confirm that this account was opened or used without my authorization and that any attempt to collect on it is based on fraudulent or unauthorized use of my personal and/or business information. 

U.S. Bank has not provided proper validation or sufficient documentation to establish that this debt is legitimate, authorized, and enforceable. Despite this, U.S. Bank continues to : Treat the alleged debt as valid and attempt to collect it ; and/or Report or furnish information about this disputed debt to consumer reporting agencies as if it is accurate and owed. 

Continuing to collect or report a disputed debt without first validating it after a written dispute is unfair and deceptive and violates my rights as a consumer. These actions are causing ongoing harm, including damage to my credit profile and interference with my ability to obtain fair access to credit.

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 2025-12-09 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

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 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: NV

Complaint narrative:
company keeps threatening my family who have nothing to do with the loan and going personally to my families homes leaving mail on their front doors in a completely different state. super illegal and the company won't get back to me on payment assistance or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Improper Denial of Fraud Claim and Failure to Comply with Regulation E ( Case XXXX ) I am filing this complaint because Chase Bank improperly denied Fraud Case XXXX, involving multiple unauthorized Cash App transactions occurring during a coordinated impersonation scam. Despite providing proof and documentation, Chase failed to conduct a reasonable investigation as required under 12 CFR 1005.11 ( Regulation E ). 

Summary of the Fraud Incident On XX/XX/XXXX, scammers impersonating XXXX XXXX XXXX and XXXX XXXX contacted me. They possessed detailed account information that falsely legitimized their claims. During this event, unauthorized transfers were made through XXXX XXXX and XXXX. 

Chase acknowledged part of this incident by opening XXXX XXXX XXXX XXXX XXXX, yet denied the XXXX XXXX portion, despite all evidence linking both sets of transactions to the same fraudulent event. 

Supporting Documentation : - Police Report : XXXX - XXXX XXXX XXXX Confirmation Letter - Evidence of impersonation fraud and unauthorized access - XXXX  Fraud Investigation Case : XXXX Regulation E Violations Chases denial suggests violations of Regulation E due to : 1. Failure to conduct a reasonable investigation. 
2. Failure to evaluate all provided evidence.

3. Failure to reopen the claim when new information was submitted.

4. Potential failure to issue provisional credit if required.

Requested CFPB Resolution I respectfully request that the CFPB require Chase to : 1. Reopen and fully reinvestigate Fraud Case XXXX. 
XXXX. Confirm whether Chase contacted XXXXXXXX XXXX and direct them to do so if they have not. 
XXXX Review all documentation tied to the impersonation scam. 
XXXX. Reverse the unauthorized XXXX XXXX transfers or issue credit in compliance with Regulation E. 
XXXX. Provide written clarification explaining how their original decision met federal standards. 

Chases repeated denial despite clear evidence of fraud has caused financial and emotional hardship. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XXXX of XXXX I missed a student loan payment. The loan processor got switched to XXXX XXXX. The student loans are XXXX different loans all falling under XXXX payment. Without realizing that payment was missed, it affected each XXXX XXXX differently ranging from a drop in XXXX points each. I reached out to XXXX who fixed the problem and marked me as never late on their end, but could not undo the reporting on the credit bureaus end. They suggested that I reach out to each bureau with a dispute, in which I did. I waited their period of investigation but none of the XXXX did anything to get rid of the late payment on my report leaving me stuck with a XXXX drop in credit score that does not reflect on my actual loan payments. I have never missed a payment on anything in the past and would like this removed from Experian, Equifax, and TransUnion to get back to a good standing on my credit reports. This is greatly affecting my everyday living and I will pursue legal action.

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 2025-12-09 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: PA

Complaint narrative:
In XXXX of XXXX I missed a student loan payment. The loan processor got switched to XXXX XXXX. The student loans are XXXX different loans all falling under XXXX payment. Without realizing that payment was missed, it affected each XXXX XXXX differently ranging from a drop in XXXX points each. I reached out to XXXX who fixed the problem and marked me as never late on their end, but could not undo the reporting on the credit bureaus end. They suggested that I reach out to each bureau with a dispute, in which I did. I waited their period of investigation but none of the XXXX did anything to get rid of the late payment on my report leaving me stuck with a XXXX drop in credit score that does not reflect on my actual loan payments. I have never missed a payment on anything in the past and would like this removed from Experian, Equifax, and TransUnion to get back to a good standing on my credit reports. This is greatly affecting my everyday living and I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX  XXXX Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo is reporting account # XXXX as a charge-off even though the balance is {$0.00}. 

A {$0.00} balance account should not continue to be reported as derogatory. This is misleading and inaccurate.

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 2025-12-09 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: PA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-12-09 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: PA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate, incomplete, and unverifiable information appearing on my credit reports. Multiple furnishers are reporting accounts with substantial errors, including a repossession that never occurred, charge-offs with inconsistent or impossible dates, collections that can not be validated, and accounts verified without any supporting documentation. 

XXXX furnisher, XXXX XXXX, is reporting a completed repossession even though the vehicle was only taken briefly and was returned to me. There was no auction, no sale, and no termination of rights. Reporting this as a repossession violates FCRA accuracy requirements under 15 USC 1681e ( b ), reinvestigation requirements under 15 USC 1681i, and furnisher duties under 15 USC 1681s-2 ( a ). It also conflicts with UCC 9-609 and 9-610 because no lawful disposition of collateral ever occurred. 

Other furnishers, including XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and several collection agencies, are reporting accounts with inaccurate dates, re-aging, incorrect payment histories, and unverifiable information. I disputed these items with the credit bureaus, but several furnishers verified the accounts electronically without reviewing original documents. This does not meet the standard of a reasonable investigation required under the FCRA or XXXX XXXX.

Company response to consumer: Closed with explanation