vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an checking account through chase I then realized that my info was stolen and my checking kept of getting overdrafted I asked for a on hold debit they still would have things taken out, I asked for it to be closed, a scammer lied and said she closed it. My phone linewas hacked as well.this was for years ongoing with the account I never realized this but I had to go in and finally it was closed. Still the bankers did not give me much information i still want this investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
Complaint Title : XXXX ( XXXX ) withholding funds deposited through XXXX XXXXissued virtual account Description : A payment was sent to my Wells Fargo account XXXX which was issued to me through the XXXX provider XXXX The sender, RWS, confirmed the funds were successfully delivered to the account. However, XXXX has refused to release the funds to me, and they are also refusing to return the money back to XXXX so the payment can be resent. 

I have contacted XXXX multiple times, but they keep withholding the funds without providing a valid explanation. This has caused financial hardship, and I believe this may be an unfair or deceptive financial practice. 

I am requesting the CFPB to : XXXX. XXXX XXXX and Wells Fargo regarding the withheld funds 2. Require XXXX to either release the funds to me or return them to XXXX XXXX. Ensure compliance with U.S. consumer financial protection laws Thank you for your assistance.

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 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting this complaint to review and correctect of inaccurate late payment information reported on my credit file for my XXXXXXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x.

This account is being reported with multiple late payments across all three bureaus that are inaccurate or misrepresented : on Experian, the account shows XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), and XX/XX/XXXX ( 30 days ) ; on Equifax, the account shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ) ; and on TransUnion, the account shows XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( 30 ). These discrepancies demonstrate that the payment history is inconsistent and inaccurately reported, which violates FCRA 1681e ( b ) requiring maximum possible accuracy in reporting.

Under FCRA 1681i ( a ), you are required to promptly investigate disputed information and correct any inaccuracies. I request that all late payments on this account be reviewed and corrected to accurately reflect my true payment history.

Under 1681g ( a ) and 1681m ( a ), I am entitled to a written explanation of the results of your investigation and a corrected copy of my credit report. Reporting inconsistent late payments across multiple bureaus also violates 1681k ( a ), which requires adverse information to be complete, accurate, and verifiable. Failure to correct these errors could be considered negligent or wilful under 1681n and 1681o.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Dave Operating, LLC
State: CA

Complaint narrative:
on XXXX i called XXXX XXXX XXXX about dave app charging on my account and they said they already blocked that app from charging me and this XX/XX/XXXX XXXX app charge me XXXXXXXX XXXX  and i tried to file disput with chime but they denied the dispute. i didnt have any owed transaction with dave app and i need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kikoff Inc.
State: CA

Complaint narrative:
I never had a chance to have credit ever since I'm XXXX XXXX XXXX I never had a chance to have really credit and my credit I've been trying to build it ever since and it seemed like I'm stuck right here I need a fair chance to clear my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
am writing to formally dispute multiple inaccuracies on my credit report, as several accounts are reported incorrectly and do not reflect my actual payment history or account status. My MissionXXXX account ending in XXXX is shown as having late payments of 30, 60, 90, and 120 days, despite my timely payments and my last payment on XX/XX/year>, with the balance of {$10.00} improperly marked as delinquent. Similarly, my XXXX account ending in XXXX, opened on XX/XX/year> with a balance of {$2000.00}, is reported with late payments that do not match my records, including a duplicate entry, even though my last payment was made on XX/XX/year>. Additionally, XXXX XXXX reflects a charge-off that I do not recognize, while my XXXX account ending in XXXX incorrectly reports a {$600.00} balance, and my XXXX account ending in XXXX is inaccurately reported as being in collection with a {$520.00} balance, which is entirely erroneous. Pursuant to the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 and 1666a ), I am entitled to have any billing errors corrected and to be protected from adverse actions while disputes are under investigation. Furthermore, under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681s-2 ( a ) ( 2 ), and 1681s-2 ( b ) ), I have the right to dispute inaccurate information, and both the credit bureau and the furnishers of information have a legal duty to investigate, verify, and correct any inaccurate data once identified. Given these protections,

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 2025-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is being submitted due to the continued inaccurate and harmful reporting of my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is improperly listed by Equifax as having a XXXX late payment in XX/XX/year> and by TransUnion as XXXX a XXXX late payment in XX/XX/year>, despite the account showing a {$0.00} balance and Experian correctly reporting no late payments ; these discrepancies violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ), which requires credit bureaus to conduct a timely and reasonable reinvestigation of any disputed information ; 1681e ( b ), which mandates strict procedures to ensure the maximum possible accuracy of all consumer information ; 1681g ( a ), which guarantees my right to a full credit disclosure and explanation of reinvestigation results ; 1681d ( c ) and 1681m ( a ), which require written notification of any changes made to my file ; 1681k ( a ), which prohibits the reporting of inaccurate adverse information ; 1681b ( a ), which limits reporting to information with a permissible purpose ; and 1681c-2 ( a ), which protects my right to dispute and correct inaccurate or fraudulent data ; therefore, the inaccurate reporting of this alleged late payment is unlawful and damaging to my creditworthiness, and ongoing non-correction constitutes negligent or willful noncompliance under 1681n and 1681o, for which the bureaus may be held liableaccordingly, I request immediate regulatory assistance to ensure that Equifax and TransUnion correct this account to reflect zero late payments, consistent with the accurate reporting currently shown by Experian.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-11-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-17 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: GA

Complaint narrative:
I am formally disputing multiple inaccuracies on my credit report that misrepresent my financial history, create a false impression of my creditworthiness, and require immediate investigation and correction under federal law. My XXXX XXXX account ending in XXXX XXXX XXXX XXXX  is reported as a late open account with a {$330000.00} balance, which is entirely inaccurate, as the account was properly opened, documented, and maintained, and there has never been any delinquency or failure to meet my obligations. Reporting this account as late not only mischaracterizes my reliability to lenders but also creates a misleading narrative that suggests financial irresponsibility where none exists, directly violating FCRA 611 ( 15 U.S.C. 1681i ), which provides me the right to dispute any inaccurate or incomplete information on my credit report and obligates the credit bureau to conduct a reasonable investigation and promptly correct any errors. Similarly, my XXXX XXXX account ending in XXXXXXXX XXXX XXXX is reported as a late open account with a {$0.00} balance, which is also false, as all payments and account activity have been handled correctly and on time ; reporting it as late artificially inflates the perception of risk and delinquency associated with my profile. This misrepresentation violates FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure the accuracy of all information they report, and FCRA 623 ( b ), which obligates furnishers to conduct a reasonable investigation whenever a dispute is raised and to correct or remove any information that is found to be inaccurate. Together, these inaccuracies paint a completely inaccurate picture of my financial behavior, implying patterns of missed payments and mismanagement that are entirely unfounded. This has tangible consequences, as potential lenders, landlords, and service providers may view my creditworthiness as lower than it truly is, limiting my access to loans, credit cards, and favorable financial terms. I am therefore requesting that TransUnion conduct a full and thorough investigation with each furnisher, verify the true status of these accounts, and promptly correct all inaccurate reporting. I further request that I receive written confirmation of the investigation results and an updated credit report reflecting the accurate balances, payment history, and account statuses, ensuring that my credit profile accurately represents my responsible financial behavior. I am invoking my rights under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), as well as FCBA 1666 and 1666a, which protect consumers by ensuring billing errors are corrected, prevent adverse actions while a dispute is pending, and provide legal remedies for the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$32000.00} Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$21000.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$6600.00} Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4200.00} Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$35000.00} Account name XXXXXXXX XXXX XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$24000.00}

Company response to consumer: Closed with explanation