vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
i know i am going to supreme court with this case. or as far as i must. and then some. they are selling the house today i have no pay off. no info no mail no contact names no XXXX  package they prepared and never sent and their previous responses although in accessible do not resolve anything. this was a scam i know all about why they denied my modification and are taking the housse its more lucrative to them. nothing is legitimiate. not the denial of the modification of refussal despite case law which trumps contract law and the contract XXXX  raatified they are selling my house when i paid all the money XXXX  i received no pay off no contacts no XXXX nothing no XXXX  package with bills no answers on insurance just a bunch of papers relating to a foreclosure judgment they got when i had an incompetent lawyer now disbarred with facts eaasily disputable but were not, an un necessary foreclosure filed and now loss of my house. with no ability to save it. their answer while inaccessible resolves nothing i told Director i am filing this so dodnt return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$48.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6800.00} XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  ( XXXX ), XXXX. regarding the inaccurate and misleading reporting of my closed credit card account. The credit report currently lists remarks stating : Profit and loss write-off/ Dispute resolved reported by grantor / Account closed by credit grantor. 

This language falsely implies that I remain delinquent or unresolved when, in fact, the dispute was resolved and the account closed by the creditor. This misrepresentation is harmful to my creditworthiness and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

I have formally notified XXXX XXXX through a cease and desist letter demanding that they : XXXX. Cease reporting inaccurate, incomplete, or misleading information. 
XXXX. Delete or correct all derogatory remarks on this account with all bureaus ( XXXX, XXXX, TransUnion ). 
XXXX. Provide written confirmation of compliance within 15 business days. 

I am seeking full correction or deletion of the inaccurate reporting and confirmation that XXXX XXXX will comply with federal reporting standards. Attached is my formal cease and desist letter for reference.

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 2025-10-29 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: AL

Complaint narrative:
" This complaint concerns a pattern of lies, contradictions, and retention of my funds by Ria XXXX XXXX across XXXX ( XXXX ) remittances that were never claimed by me and have not been returned. 

The total amount due is USD {$6200.00}. The transaction details are as follows ( See attached receipts ) XXXX XXXX {$980.00} - Date : XX/XX/year> - Ref : XXXX ( XXXXXXXX XXXX XXXX  {$2200.00} - Date : XX/XX/year> - Ref : XXXX ( Ria ) XXXX {$600.00} - Date : XX/XX/year> - Ref : XXXX ( Ria ) XXXX  {$2500.00} - Date : XX/XX/year> - Ref : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and Retention ( Pattern of Conduct ) : Initial Deception ( False Availability ) : Ria representatives assured me the money was available for pickup at the store. I went to collect it, and the information proved to be false. 

False Promises of Follow-Up : Following my complaint, the company promised to open a case and provide follow-up, assuring me they would contact me. This never occurred, forcing me to call repeatedly. 

Treasury Excuse ( Confirmed Lie ) : Due to my persistence, the company changed its version and assured me the money was deposited with the Alabama Treasury due to a regulation. I have verified and the money is NOT there, which proves the company lied directly about the location of my funds. 

Final False Accusation : Finally, the company changed its version again, giving the false excuse that I performed a re-send or transfer to another name ( which is false ). 

I have audio recordings that prove everything I have been told has been lies and contradictions aimed at finding a way not to pay me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> through XX/XX/year>, my online chime bank refusing to pay me a dispute amount of {$9400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report.I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-10-29 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Company : Chime Financial , Inc. ( and its partner bank, The XXXX XXXX  XXXX XXXX XXXX XXXXXXXX. ) Category : Bank account or service Prepaid or checking account What happened : I am filing a complaint against Chime Financial for issuing an unauthorized credit reversal and later automatically charging me for it without my request or consent. 

On or around XX/XX/year>, Chime posted a credit/reversal to my account for {$230.00} even though I never asked for it. Later, they debited my account to reclaim the same amount without giving me notice or obtaining authorization. I was never notified why the reversal was applied or when they would take the funds back. 

I contacted Chime but have not received a clear explanation or proof that I authorized these actions. This behavior appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ), which require written consent for any electronic fund transfers and prompt notice of any account adjustments.

I am requesting : A full refund of the unauthorized debit amount Written documentation of the supposed authorization Assurance that this issue will not affect my balance or account standing I have supporting screenshots and transaction history showing the reversal and subsequent charge, and I am willing to provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
This debt was transferred to a debt collector improperly with completely incorrect balances unit was broken in to I informed the property of my safety concerns that was completely ignored. I came home one day and some one had wrote writing on my mirror the property informed me that it was okay to terminate that I would only owe the current month which was paid! I later found out that they had billed me almost XXXX I tried to work with property so many times and I received no invoice no response. I even reached out to the credit collection comapny and they informed me that it could be settled for XXXX I am a single mother low income XXXX is nearly impossible I also informed them that the debt was incorrect.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i wish, i know these before so i could it reported XXXX monhts ago when i got the notice from the bank that my account was going to ble closed .. anyways .. so i was using a wells fargo institution since 2012 and its was working good until last year a lots of unusual activity was detected on my debit card .. so i reported and few times wells fargo did well refunding me the money but the las XXXX disputes that i have filed wells fargo completly denied them and not only that they decide to close my account unfortunatly i dont know if is too late to make this reportet because i dont have any access to those claim numbers so i can provide to you.. but it was around XXXX to XXXX USD worth so XXXX day i just notice that my account has some restrictions and i was wondering why, so i called wells fargo to see what happened and all they said to me that they dont think is safe to have an account opened with them .. it makes no sense at all for me but yes, ,thats what they said, anyways all i want here is from well fargo to reconsider the desicion for closed my account and have them reopen those disputes that they just closed i dont know if XXXX asking for to much .. thanks

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 2025-10-29 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: AL

Complaint narrative:
Subject : Request for Reinvestigation of Inaccurate Reporting Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion Representative, I am disputing inaccurate and incomplete information on my credit file. 
XXXX XXXX XXXX XXXX Auto Loan Your records list several 30-day late payments even though my bank statements show on-time payments. This violates : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to conduct a reasonable reinvestigation 15 U.S.C. 1666b improper late-payment treatment under the Truth in Lending Act Please verify each alleged late payment with source documentation or correct the record to Paid as agreed. 
XXXX XXXX XXXX Installment Loan The file shows a charge-off with a {$0.00} balance, which is contradictory and incomplete. If the debt was canceled, a Form 1099-C should exist. If not, the tradeline is inaccurate under 1681e ( b ) and must be deleted or corrected.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Bankruptcy needs to be removed from my credit report its effecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One Bank ( USA ), N.A. regarding the inaccurate and misleading reporting of my closed credit card account. The credit report currently lists remarks stating : Profit and loss write-off/ Dispute resolved reported by grantor / Account closed by credit grantor.

This language falsely implies that I remain delinquent or unresolved when, in fact, the dispute was resolved and the account closed by the creditor. This misrepresentation is harmful to my creditworthiness and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I have formally notified Capital One through a cease and desist letter demanding that they : 1. Cease reporting inaccurate, incomplete, or misleading information. 
XXXX. Delete or correct all derogatory remarks on this account with all bureaus ( XXXX, XXXX, XXXX  ). 
XXXX. Provide written confirmation of compliance within 15 business days. 

I am seeking full correction or deletion of the inaccurate reporting and confirmation that Capital One will comply with federal reporting standards. Attached is my formal cease and desist letter for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, LA XXXX Employer - XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, LA XXXX Employer - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2025-10-29 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation