vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: MI

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Kindly delete the accounts in question pursuant to 15 U.S. Code 1681g, observing the time limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Around XXXX, XXXX, I opened an American Express High Yield Savings Account after closing my previous TD Bank savings account. 

Shortly afterward, I found out I owe state taxes, and I directly made that state tax payment through the AMEX XXXX. After that they put my account on hold, which went unnoticed by me initially. I payed my taxes back in XXXX I think, so that means I did not touch that account all Summer, until the end of XXXX. 

When I touched my account in late XXXX I saw I could not make a withdrawal, so I found time during that week to call them. 

Since then, I have contacted American Express at least XXXX times. Each time, I was told that they would direct me to their savings team to review my case. Though, when I talked directly with their account protection team, I was always left with the fact that I needed to email them an old TD savings statement. 

I have already submitted my identification and any requested verification multiple times, yet my funds remain inaccessible. I had to physically go to a TD branch to get a copy of my old account statement, and take a proper picture of it, which took XXXX minutes, and I sent this to Amex twice, and they would claim that what I am sending is not good enough or is not a PDF when indeed it was. 

Simply put, I never thought I would be here complaining about AMEX, but after a month of waiting and hoping for a reply when I send a pdf it seems I do not want to bother doing this through them anymore. 

I even tried to reach out XXXX more time today through chat bot and a nice frontend worker named XXXX tried to help me. But, now I know it seems to be a looping backend issue where they can not verify me properly for whatever reason. 

I know attaching documents below is an optional feature, which I prefer to not bother with. It would take me time to gather the sort of info that may not even help or actually be related to the problem at hand. I will be near my email and phone to give any information you guys may directly request from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I contacted my mortgage co/escrow agent, Wells Fargo and asked for my escrow to be placed on hold as I was shopping for homeowner 's insurance. My current policy was current thru XXXX. I was told the hold would be in place until XXXX unless I contacted them sooner. 
I got insurance through another company XXXX and a week later when I checked my escrow account Wells Fargo had not only paid the XXXX XXXX but also the old renewal and overdrew my escrow account ( I previously had a surplus because I pay extra escrow every month ). Not only did they pay BOTH policies but as of today neither company has received payment and my XXXX policy is cancelling my policy on XXXX. I call every day and I am given a different story. I was told that my XXXX payment went out on XXXX and then I am told it went out on XXXX. I explain that my policy will be cancelled and request a check to be overnighted and the other cancelled. My insurance agent has requested that I pay the premium with a credit card to avoid cancellation but that I will be charged an extra 3 %. I have never been late or missed a mortgage or escrow payment. 
the second payment XXXX made in error to Monarch has not been received by then either and I am told need to wait for them to receive it and process it and return the money so I then can put it back in my escrow. This will take an very long time and my taxes are due in XXXX weeks and the escrow analysis is done in XXXX. I can not afford a {$400.00} mortgage increase, at the minimum, that Wells Fargo 's mistake will cause.

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 2025-10-07 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, La XXXX SSN : XXXX XXXX : XX/XX/XXXX ] XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information FCRA 1681e ( b ) & 1681i ( a ) ( 5 ) To Whom It May Concern, I am writing to formally dispute several inaccurate and/or unverifiable items appearing on my Equifax credit report dated XXXX, XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information that is found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

These items are either inaccurate, outdated, or can not be verified. Therefore, I am requesting an immediate investigation. If these accounts and inquiries can not be fully verified as accurate within the time allowed by law ( 30 days ), they must be deleted from my credit file. 
Please provide me with written confirmation of your investigation results, as well as an updated copy of my credit report once these corrections are made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am trying to become a home owner and this company is reporting inaccurate information on my credit report which is a violation.

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 2025-10-07 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: MD

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I am formally disputing the accuracy and completeness of the reporting regarding my XXXX XXXX XXXX  and all accounts included in that bankruptcy appearing on my credit report. The current reporting is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, 1681e ( b ), and 1681i.

The bankruptcy in question has been fully discharged, and all related accounts were legally resolved and should be clearly reported as Included in Bankruptcy with a zero balance owed and no negative payment history after the discharge date. Any continued reporting of balances due, charge-off status, collections, or late payments after the discharge constitutes factual inaccuracy and unlawful reporting under federal 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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I wrote my check in the amount of {$57000.00} to the US Treasury to pay my taxes. I brought the check to the Post Office to be postmarked. The check cleared the bank on XX/XX/XXXX. On XX/XX/XXXX I received a notice from the IRS saying that I did not pay my taxes and I was being charged an additional {$2600.00} for penalties/interest. Upon inspecting my bank statement I saw that my check had been washed ( except for my signature ) and deposited into a XXXX XXXX ATM. 
I filed a declaration of altered item with Chase and opened a claim on XX/XX/XXXX. I also filed claims with my local Post Office, and the FBI because the check was made payable to the US Treasury. I also filed a Police report with my local Police Dept. 
I received a letter from Chase on XX/XX/XXXX stating that they are working on my check claim - and that is it. When I call them they say that it is in XXXX XXXX hands and Chase can not do anything. I am not a XXXX XXXX account holder, I am a chase customer- why does XXXX XXXX hold all the cards. Ultimately the money came from MY Chase account. Chase tells me that I may not get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform dispute using Chime numerous times And reporting discrepancies my financial intuition and Chime failed to investigate my claims adequately they informed me the recovering loss funds were impossible. in that tracking these transactions.was unfeasible the CFPBs finding indicates that charm not only had neglected to protect customer customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability in transparency and unexpectable and rises, serious concerns about customer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, I submitted a payroll check to my mobile deposit for my checking account with Chime. Chimes mobile deposit thinks the check is personal because my employer had to cut an emergency check for money they owed me for work completed almost two weeks prior. This is payroll. I was owed money for employed work, not personal funds. I called Chime customer service and explained this was payroll and can not be held for four days because payroll checks can only be held by the government for 24hrs and, not only was this against policy, but that my family had no access to money or food. I needed AT LEAST something of my own paycheck released so that ai can buy FOOD. 

The customer service agent was unfeeling and almost refused to transfer me by request to a supervisor. I did not get transferred to ANYONE that identified themselves as a supervisor and instead got what I believe is just another worker tired of me being on hold for 45minutes while they try to ignore me. 

I sobbed, explaining my situation and what I needed, and that they did not HAVE to release everything but that I needed to buy food as soon as humanly possible. Ive nothing to feed my family with. The agent swore she would push my request up and play my audio call for the higher ups and that someone would be in touch by call within 2-3hrs. That was XX/XX/XXXX or XXXX. 

I have now had to find creative means to feed my family because this institution has refused to release MY funding. Not only that but they are STILL holding my money until TODAY AT XXXX. 

This is inhumane and cruel, and illegal for financial intuitions to prey on payroll money especially when Inhave the payroll shunt letter and can have my employer call to verify its payroll. I want my money released and I want to know what Im entitled to because Chime has routinely hurt my family in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX : - XXXX CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2025-10-07 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: CA

Complaint narrative:
There is an account being reported in my name that I never opened, authorized, or managed. Its presence on my credit report is inaccurate and misleading, and it has harmed my credit and caused significant concern. I require immediate clarification as to why this account is being reported and which furnisher provided the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX  and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX Account number XXXX Balance {$930.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-07 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: NE

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly and negatively impacted both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, that commitment has not been honored, as the inquiries still remain. This inaction is entirely unacceptable. The continued presence of these fraudulent entries raises serious concerns about possible identity theft and demonstrates a clear failure to protect my information.

Company response to consumer: Closed with non-monetary relief