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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX  XXXX - XX/XX/XXXX - {$410.00} XXXX - XX/XX/XXXX - {$980.00} XXXX XXXX - XX/XX/XXXX - {$340.00} Hard Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
I have been dealing with an unresolved issue with my ZIP loan for an order placed through XXXX. The items were never delivered, and despite reaching out to XXXX multiple times, they failed to respond or provide the service I paid for. As a result, I opened a dispute with my bank, who refunded me because XXXX did not reply to their investigation. Even after the refund, ZIP continues to show an active loan for this order, and attempts to contact them have gone unanswered. Since the goods were never received and the bank has already confirmed the charge as invalid, I should not be held responsible for repayment on a service that was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KeyBridge Medical Revenue Management
State: IN

Complaint narrative:
I have been double paying on XXXX  debt to attorney XXXX XXXXXXXX XXXX XXXX AND keybridge medical. I just found out XX/XX/year> from Keybridge and was told to stop paying them. I also have a court date for qage garnishment on this debt that clearly is inaccurate at this point.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I paid a {$150.00} deposit to a tattoo artist for an appointment. The deposit was sent from my Chime checking account. On the day of the appointment, the artist blocked me and stopped all communication, which prevented me from receiving the service I paid for. This is a clear case of service not rendered. 

I attempted to file a dispute through Chime, but the Chime support team told me they could not open the dispute, even though the merchant took my money and failed to provide the service. I have screenshots proving I booked the appointment, paid the deposit, and was blocked on the day of the appointment. 

I am requesting CFPB assistance because I believe Chime incorrectly refused to allow me to file a dispute for a fraudulent transaction. I can provide screenshots, receipts, proof of payment, the messages showing the agreement, and proof that the merchant blocked me. 

I am simply asking for the ability to dispute the {$150.00} payment for a service that was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am the beneficiary ( XXXX XXXX ) of a domestic Wire Transfer of {$26000.00}, listed as " XXXX XXXX XXXXXXXX, '' that was scheduled for XX/XX/XXXX, from a TD Bank customer 's account ( TD BUSINESS SIMPLE CHECKING XXXX ) to my checking account at XXXX XXXXXXXX XXXX  XXXX. ( Account : XXXX, RTN XXXX ). The funds were never received into my XXXX account, and XXXX has confirmed non-receipt. I possess the TD Bank confirmation receipt ( ID : XXXX ), but this only proves the transfer was scheduled, not executed. The sender, my former property management company and TD Bank 's customer, has been entirely uncooperative for over XXXX years, refusing all requests to provide the necessary Proof of Payment ( XXXX ) or initiate a formal Wire Trace/Investigation. This calculated refusal is preventing me from locating the missing funds and constitutes a failure to cooperate with the beneficiary regarding a TD Bank transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

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: DE

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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please assess the materials provided ; the questions were received unexpectedly and might be unapproved.

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: CA

Complaint narrative:
I have no relationship with these accounts and ask that they be removed within 15 days per FCRA guidelines.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx, XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Experian for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 

I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information. 


Experian is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights. 


Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately. 


Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 


Disputed Accounts XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT. 

Final Demands Provide written verification procedures for each disputed account. 
Delete or block all inaccurate, unauthorized, or unverifiable information. 
Send me an updated corrected credit report. 
Cease all further unauthorized reporting in violation of federal law. 

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 


Respectfully, 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 2025-12-09 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: 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 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: CA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to resolve inaccurate information on my credit report. Below are the details of the accounts in dispute. I respectfully request that you investigate these discrepancies. 

Charged Off : XXXX XXXX XXXX XXXX XXXX {$2000.00} Late Payment : XXXXXXXX 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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Complaint Against : Wells Fargo Bank Issue : Incorrect fraud investigation / wrongful account closure Product : Payment ( XXXX ) Amount : {$1900.00} Goal : Clear my name and correct Wells Fargos internal records I am filing this complaint because Wells Fargo wrongly closed my account and marked me as involved in fraud after a XXXX transaction in which I was the victim, not the perpetrator. 

On XX/XX/year>, a person by the name of XXXX XXXX XXXX that I did not know very well, voluntarily authorized to send me {$1900.00} through XXXX. I did not request this money, solicit it, or pressure the sender in any way. Shortly after sending the funds, the sender filed a false fraud claim with XXXX, claiming that the transaction was unauthorized. 

Instead of reviewing the facts, Wells Fargo closed my account without giving me an opportunity to defend myself, and appears to have placed an internal fraud flag on my name. This is inaccurate and harmful. 

I have screenshots and messages proving : The sender voluntarily initiated the XXXX payment I did not ask for or solicit the money The senders fraud claim was false and appears to be a targeted friendly fraud attack I was the victim, not the offender Despite this, Wells Fargo has taken action against me, and I can not get a clear explanation or a way to clear my name through their internal process. 

I am requesting that the CFPB require Wells Fargo to : 1. Conduct a full and fair reinvestigation of the {$1900.00} XXXX dispute 2. Remove any fraud flag or risk code placed on my account or personal information 3. Issue a letter confirming I was not found responsible for fraud 4. Correct any negative internal reports and customer risk scoring 5. Provide documentation of the original claim filed by the sender My goal is not to reopen the account ; I simply want my name cleared so I can continue banking normally without being labeled as someone involved in fraud when I was the victim. 

Thank you for your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc.
State: MA

Complaint narrative:
XXXX told me I was responsible for a router. I sold the home and thought the XXXX XXXX  took router as the new owner signed up with XXXX. I have requested a signed contract as I would never have agreed to a {$450.00} charge for an old outdated router. I attempted to dispute this with the company. They went ahead in put me a collection agency which ended up putting this on my credit reports so I now have a negative entry on the 3 credit bureaus. I attempted to dispute this with the 3 credit bureaus with no real help as a signed agreement was never produced.

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: OH

Complaint narrative:
TransUnion is reporting a medical collection account allegedly tied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2300.00}. This information does not belong to me and is directly connected to identity theft, involving the unauthorized use of my Social Security number and protected medical information. 

I have never received services from this provider, I never signed any HIPAA authorization permitting the disclosure of my medical billing information, and I never granted permission for any third-party collector to obtain or report this information. No itemized bill, assignment of debt, billing contract, or HIPAA release has ever been provided to validate this account.

By reporting this unverified medical debt associated with stolen personal identifiers, TransUnion is violating : FCRA 602A & 607 ( b ) failure to maintain maximum possible accuracy ; FCRA 611 ( a ) furnishing unverifiable and unauthorized data ; FCRA 604 ( a ) no permissible purpose to publish medical debt ; HIPAA 45 CFR 164.502 ( b ) impermissible disclosure of protected health information.

This false reporting harms my credit score, exposes my identity to continued fraud, and prevents me from safely securing service or credit. I am currently filing an Identity Theft Affidavit to protect my tax records and accounts due to fraudulent use of my SSN.

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: Unauthorized transactions or other transaction problem — 
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Money missing and when called about it I was told to call the matching and when I did they said the money was sent back never received it

Company response to consumer: Closed with explanation