vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: MS

Complaint narrative:
I have reached out to the creditor and asked for correction to be made. Creditor continues to state they can fix the reporting but I need to take care of the debt immediately! i asked creditor to send me all information by mail and they stated that they could not mail me any information nor debt validation but would do it by email. After the first call I asked for, all contact to be by mail so I could have all documents to look over. instead i started receiving hang up calls and daily calls from there after. i sent dispute letters asking form the same information and they would just send a paper saying it's verified. Dates of letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX calls incoming that I took even after continues asking for mailed information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Along with several other days of hag up calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: WI

Complaint narrative:
I received Direct deposit payments from Social Security XXXX which was XXXX and I received those funds on Monday XX/XX/XXXX at XXXX XXXX in which I paid the first XXXX back and then I received a payment from the State of Wisconsin in the amount of XXXX XX/XX/XXXX at XXXX XXXX and I repaid it back again but let me mention also I had available funds still in my account in both Credit Builder account and my checking account which made my available checking balance XXXX, my Credit builder XXXX before I received the XXXX and now I'm missing the repaid XXXX and I'm also negative in my checking account because I've supposedly used those funds from XXXX when XXXX transactions show that I haven't used those funds nor card after I made a ATM withdrawal in the amount of XXXX after transferring XXXX from Credit builder and I am on a fixed income and I thought using Chime would be beneficial for me because of the instant alerts and transactions at every XXXX. I called Chime Customer Service and I was given the run around after I was told different from the records I received and have in my account in this banking institution. I asked for a supervisor repeatedly and he kept saying let me explain when at this point I thought it would be crucial for me to speak to someone over him. As I stated I'm on a fixed income and it's bad enough that it's barely enough to live and after I pay my my bills and buy my maintenance I'm struggling to live and can't afford my limited finances to be just stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
The following errors and inconsistencies are present : The account is listed as Paid, Closed but simultaneously coded with a collection/charge-off status ( C in XX/XX/year> ). An account can not be both closed/paid and in collection/charge-off at the same time this is materially misleading. 
Original Balance and Current Balance fields are blank ( - ), which makes the account unverifiable.

Payment History is incomplete and shows inconsistent coding ( C ) with no supporting data. This fails Metro 2 compliance for accurate month-to-month reporting. 
No creditor transfer/sale details are provided, yet the remarks suggest derogatory handling inconsistent with a closed, paid utility account. 
The account remains flagged as potentially negative despite being reported as Paid, Closed. This creates a false impression of delinquency and directly impacts creditworthiness.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-28 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: NE

Complaint narrative:
b'The bank that I have my checking account is with Sofi bank.On XXXX XXXX XXXX XXXX had received a text and a phone call from what I believe to be my bank. The person I talk to posed as a customer service agent with my bank. They knew everything to say that would have been used by customer service agent from my bank. They also knew all my personal information like address, email address, phone number, birthday, and Social Security number. They were able to get into my account. They then wire transferred XXXX to the JP Morgan bank under the name XXXX XXXX I was told that my money would be moved to the new account that was created. After a couple days I had checked my account and my money wasnt there. I called my bank. They said they had no record of me talking to them or them initiating the wire transfer. Thats when I was told that I was scammed and they had stole my identity. The customer service agent I was talking to tried to transfer me to the security department. While waiting there was silence a clicking noise and then somebody started talking. I talk to this person for two hours about getting my money back. Waited 24 hours my money still is not in my account. So I called my bank back. And they also had no record of the phone call other than the first 15 minutes and they said my call dropped. The last I had contact with the scammer was a text message from the number XXXX XXXX XXXX  This text was from the scammer and it was a harassing message. Since then, I have been trying to work with my bank to get my money back. They first told me they were going to, and not to worry. After a couple of weeks, I was then told they most likely wont be able to. I have reported this to the Omaha Police Department, which would be my local authorities. Then I report it to ftc.gov. And now I reporting it to the CFPB. \nThe original number the scammer used to text and call me was from Hilo, XXXX XXXX XXXX XXXX.  The wire transfer was made to JP Morgan Chase Bank under the name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: NV

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

I am writing to dispute and request the removal of inaccurate personal information from my credit file. 
The following addresses and name variations are incorrect and must be deleted immediately : Incorrect Addresses : - XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX Apt XXXX, XXXX XXXX, NV XXXX - XXXX Mountain XXXX XXXX Apt XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX, XXXX XXXX, CA XXXX- XXXX, NV ( all listings ) Incorrect Name Variations : - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Please keep the following correct information only : - Current Address : XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, NV XXXX - Secondary Address : XXXX XXXX Warm XXXX XXXX # XXXX, XXXX XXXX, NV XXXX- Legal Name : XXXX XXXX XXXX - Date of Birth : 1994 has violated my rights. XXXX XXXX Section XXXX A. 
XXXX I have the rights to privacy. XXXX XXXX XXXX Section A Section XXXX : 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 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

I am writing to dispute and request the removal of inaccurate personal information from my credit file. 
The following addresses and name variations are incorrect and must be deleted immediately : Incorrect Addresses : - XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX Apt XXXX, XXXX XXXX, NV XXXX - XXXX Mountain XXXX XXXX Apt XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX, XXXX XXXX, CA XXXX- XXXX, NV ( all listings ) Incorrect Name Variations : - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Please keep the following correct information only : - Current Address : XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, NV XXXX - Secondary Address : XXXX XXXX Warm XXXX XXXX # XXXX, XXXX XXXX, NV XXXX- Legal Name : XXXX XXXX XXXX - Date of Birth : 1994 has violated my rights. XXXX XXXX Section XXXX A. 
XXXX I have the rights to privacy. XXXX XXXX XXXX Section A Section XXXX : 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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have never stayed in no apartment in XXXX XXXX on XXXX XXXX my information was leak in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received an email stating my online Wells Fargo banking password has been changed. Directly following this email was a text message from what seem to be Wells Fargo describing fraudulent activity. After this, I received a phone call from someone impersonating a Wells Fargo agent. They told me my account has been compromised and helped me order a new debit card and proceeded to help me. Add it to my wallet on my XXXX. In the process, they instructed me to add the money in my account to my XXXX XXXX and put it on my new Wells Fargo card. Unfortunately the new card was their card and not my card and they drained my account totaling in {$2600.00}. I have contacted Wells Fargo and XXXX XXXX and disputed this. I have screenshots of the email and the phone number this came from.

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 2025-08-28 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: UT

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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