vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: IL

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 2025-12-02 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: FL

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER XXXX U.S.C. XXXX ( A ) AND XXXX ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-02 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: LA

Complaint narrative:
I am submitting this complaint because the following credit reporting agenciesXXXX, Experian, and XXXX reporting inaccurate, unverified, and/or incomplete information on my credit file. I am requesting a full investigation, validation of all disputed accounts, and correction or deletion of any information that can not be fully verified under the FCRA. 
Charged-Off / Collection Accounts I dispute the following Experian entries as inaccurate or unverified : XXXX XXXX Acct # : XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX Acct # : XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX Acct # : XXXX XXXX XX/XX/XXXX {$400.00} Reason for dispute : Dates and balance information appear inconsistent or inaccurate. Please verify all data with complete documentation or delete the accounts. 

B. Hard Inquiries I dispute the accuracy of the following inquiries : XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reason for dispute : I do not recall authorizing these inquiries. Please provide documentation showing permissible purpose or remove them. 

C. Late Payment Reporting I dispute : XXXX Acct # : XXXX Reason for dispute : The late payment reporting is incorrect or unverified. Please reinvestigate.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I hereby demand the prompt removal of all fraudulent information from my credit file. I am a victim of identity theft and did not provide authorization for the accounts or inquiries listed in the attached documentation. This matter has been reported to the Federal Trade Commission ( FTC ), and I have attached a copy of my official Identity Theft Report as required. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally required to block and delete all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documentation. Any continued reporting of this false information constitutes a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This serves as your final warning remove the fraudulent information immediately or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and XXXX, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because several items on my credit reports appear to be inaccurate, unverifiable, or reported inconsistently across the credit bureaus. I am requesting a full investigation into each of the disputed accounts and inquiries listed below. I am asking the CFPB to help ensure that each bureau follows the FCRA by verifying all information with proper documentation or removing anything that can not be validated. 
Charged-Off / Collection Accounts I dispute the accuracy, ownership, dates, and balances of the following accounts currently reporting on my Equifax file : XXXX XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$420.00} XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$2900.00} XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$1400.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX {$2100.00} XXXX XXXX Acct ending XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX {$6900.00} XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$13000.00} UNAUTHORIZED COLLECTION Acct XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$510.00} These accounts contain inconsistent dates, appear unverifiable, and/or do not match reporting across bureaus. I request complete validation and removal of any account that can not be confirmed with original documentation. 

B. Hard Inquiries I dispute the following inquiries as unauthorized or inaccurately reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request verification of permissible purpose for each inquiry or removal if unverifiable. 

C. Late Payment Reporting I dispute the accuracy of the late payment data on the following Equifax accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment history appears inaccurate or inconsistent. Please verify with complete records or correct/remove the late entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime, the online banking account suspended my account months ago without any notice due to a fraudulent charge to my account. I still can not access my account and customer service refuses to give any information on how to resolve this issue. I have lost all the money in the account thanks to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/year>, I deposited a check using Wells Fargo mobile deposit. Wells Fargo processed the deposit correctly the first time. However, Wells Fargo later created a duplicate transaction for the same check and then attempted to send the second/duplicate deposit to my XXXX  account ( which is serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX has confirmed in writing that they did not receive or collect the funds. They also stated the transaction was not sent to them, and they did not reject or return anything. They directed me back to Wells Fargo. 

Wells Fargo then told me several conflicting things regarding the XXXX duplicate deposit : that it was sent to XXXX, that it was returned, that it was not returned, that it is pending, that it is sitting in their internal system, that they can not tell me where the funds are. 


I have repeatedly asked Wells Fargo to identify : XXXX. Where the duplicate deposit actually went, XXXX. Whether it was returned, XXXX. Whether it was routed to the correct bank, XXXX. Whether Wells Fargo is holding the funds internally, XXXX. Why the funds have not been credited back to my Wells Fargo account or returned to XXXX, XXXX. Why the transaction was processed in violation of XXXX rules for mobile deposits and re-presentment. 



Wells Fargo has not provided any clear or consistent explanation and continues to refer me in circles. 

This duplicate deposit has caused : incorrect balance information, an overdrawn account, delays in receiving my funds, financial hardship for my household, and unnecessary stress trying to locate money that appears to be lost between Wells Fargo and XXXX XXXX XXXX XXXX XXXX 


I am requesting that the CFPB require Wells Fargo to : XXXX. Locate the duplicate mobile deposit, XXXX. Provide a documented explanation of where the funds were sent, XXXX. Return the funds to me or to XXXX immediately, XXXX. Correct any negative balances caused by this error, XXXX. Ensure compliance with XXXX rules for duplicate deposits and returns, and XXXX. Provide a written resolution instead of sending me back and forth between departments. 



I simply want Wells Fargo to locate the duplicate deposit they initiated and refund or return it properly.

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 2025-12-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Fraudulent inquiry on my credit reports without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following Equifax-reported items due to errors, duplicate accounts, and unverifiable information. Equifax has failed to ensure maximum possible accuracy under FCRA 607 ( b ). 

Charged-Off Accounts XXXX XXXX XXXX XXXX {$0.00} balance but marked as charged off ; inconsistent with closure status. 

XXXX XXXX Account lists open date of XX/XX/XXXX, a future date, indicating a reporting error. 

XXXX XXXX XXXX Discrepancy in balance and date compared to other bureaus. 

XXXX XXXX XXXX Appears to be the same as XXXX account XXXX possible duplication. 

XXXX XXXX No clear creditor information or verification available. 

XXXX XXXX {$0.00} balance but charged off ; should be updated or removed. 

XXXX XXXX {$0.00} balance ; should be reported as closed, not charged off. 

XXXX XXXX XXXX Request verification of charge-off accuracy. 

Inquiries XXXX XX/XX/XXXX ( future date, likely reporting error ) XXXX  XX/XX/XXXX ( unverified ) These inquiries appear inaccurate or unverifiable ; please confirm permissible purpose under FCRA 604. 

Late Payment XXXX XXXX XXXX Requesting full payment history and documentation to confirm accuracy of the late payment notation. 

I request deletion or correction of any items that can not be verified within 30 days per FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit file. Please review the details below for each bureau, and correct any inaccuracies found : Charged Off Accounts : Experian ( EX ) : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please check this entry ; it might be both late and erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as a formal challenge to the referenced accounts. I do not recognize them and did not permit their creation. I request immediate deletion and review. Supporting evidence is included.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
This complaint is for me XXXX XXXX and my mom XXXX XXXX our birthday is my is XXXX and my ssn is XXXX and my mom birthday is ssn XXXX and birthday is XXXX we both need to know if yall received two ssi or Ssa payment to the bank account XX/XX/year> or before that and if it was rejected and return back Ssa if so when it was returned and rejected and also we requesting for XX/XX/year> If yall get a direct deposit from ssi or Ssa again XX/XX/year> please dont take it please reject it and return it and told me when it was return and rejected etc I need a fast urgently and urgently emergency respond to this same day please asp etc.

Company response to consumer: Closed with explanation