vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am disputing the reporting of a XXXX account on my credit reports. I previously requested verification of this debt, and XXXX provided me with a written documentation confirming that I do not owe this debt. Despite this, the account is still being reported with a balance on Experian, Equifax, and TransUnion. 

This reporting is inaccurate and is negatively impacting my credit profile. Since XXXX has confirmed that I do not owe this debt, I am requesting that this account be corrected to show a {$0.00} balance and no derogatory information, or that it be removed entirely from all three credit bureaus. I have attached the supporting documentation provided by 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 2025-10-08 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
This is a follow-up to my previous dispute and validation request regarding the account listed as : XXXXXXXX XXXX XXXX  I have either received no response or incomplete documentation that does not meet the requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Problems with your response : No proper validation provided : I asked for proof that you have the legal right to collect this debt and a full breakdown of the amount owed. What I received was not sufficient to confirm that the debt is valid or that you are authorized to collect it. 

Unlawful credit reporting : You are still reporting this account to the credit bureaus even though it remains unverified and disputed. Reporting a debt that has not been validated is a violation of the FCRA. 

Missing validation notice : I never received the required written notice within five days of your first communication, which is a violation of the FDCPA. 

Because of these failures, the debt can not be considered valid and must be removed from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I stayed at a hotel and paid {$1000.00} for my 11 day stay through a third party company. After I checked out, the hotel fraudulently charged my credit card in the amount of {$920.00}. They later reimbursed my card {$45.00}, leaving a remaining balance owed of {$870.00}. 

I filed a fraud claim with my bank and credit card company, Wells Fargo. It has been verified and validated that this charge was indeed fraudulent and that the funds should be refunded to my credit card. However, it has now been more than 30 days and the refund has not yet been processed. 

Wells Fargos delay in resolving this matter is causing a negative impact on my credit score. I believe 30 days is more than enough time to resolve this issue, and I am requesting that it be resolved as soon as possible.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Equifax/ The Work Number and their failure to provide written confirmation of a security block and data freeze on my employment verification file, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c1. 

On XXXX XXXX XXXX, I submitted all required documentation to The Work Number via their encrypted email portal, including : A copy of my state-issued identification Proof of current address A written and signed request for both a security freeze and a block on my employment and income verification file I received confirmation through the encrypted email portal that my submission was received. I later contacted The Work Number by phone and spoke with a representative who verified that the documents were received and stated that my block and freeze would be placed by the following XXXX XXXX  business day after submission. 

However, despite that assurance, I have not received any written confirmation by mail, nor have I received a reply to my encrypted follow-up email requesting status verification. As of today, it has been more than the reasonable timeframe allowed under federal law. 

Under FCRA 605C ( 15 U.S.C. 1681c1 ), a consumer reporting agency is required to : Place a security freeze and/or block upon receipt of a valid request and verification documents, and Provide written confirmation of the action within five business days of placing the freeze or block. 

Equifax/ The Work Number has not fulfilled these obligations, leaving me uncertain as to whether my employment data is currently protected from unauthorized access. This constitutes non-compliance with federal law governing consumer rights and the handling of sensitive employment verification data. 

I respectfully request that the Consumer Financial Protection Bureau investigate Equifax/ The Work Numbers failure to comply with these FCRA requirements and ensure that they immediately provide the written confirmation I am lawfully entitled to. 

Please confirm receipt of this complaint and provide a reference number for tracking. I am also filing a related complaint with the Minnesota Attorney Generals Office for documentation and oversight purposes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal dispute regarding the inaccurate reporting of multiple late payments by Equifax. According to their records, several payments are incorrectly listed as late. These payments were made on time, yet the false reporting continues to harm my credit score and overall financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC Account Type : Third-party collection ( purchased debt ) Original Creditor : XXXX Bank XXXX XXXX credit card account originally ) Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Balance Reported : {$1100.00} Date Opened/ Placed for Collection : XXXX XXXX Date Reported/ Updated : XXXX XXXX Status : Active collection derogatory Remarks : Account information disputed by consumer.

Reported To : All three credit bureaus XXXX XXXX XXXX XXXX  
Actions Taken by the Company LVNV acquired and began furnishing the account in XXXX XXXX as a collection tradeline.

The account has been updated monthly to show an unpaid balance.

Added a consumer dispute notation after your bureau dispute submission.

No verification or contract copy has been furnished from the original creditor ( XXXX XXXX  ) to validate the debt under your name. 
Continued to report the account as active despite an active fraud alert and ongoing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am a victim of identity theft and fraud. Someone used my personal information to open a vehicle loan with Hyundai XXXX XXXX without my knowledge or consent. 

On XXXX XXXX XXXX Hyundai sent me a letter claiming they sold a repossessed XXXX XXXX XXXX for {$13000.00} and that I owe a {$36000.00} balance. I never purchased or financed this vehicle. 

I filed both a police report and an FTC Identity Theft Report, and Ive provided proof that this account is fraudulent. Im asking that Hyundai delete this account from my credit reports, stop all collection activity, and confirm in writing that I do not owe any money related to this account.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
tried to balance transfer to pay off card, wrong routing number used. They blocked my bank account for any further electronic transfers. I called and spoke with several staff members who told me they could not fix this issue. I went into a branch where the branch manager escalated this internally because he could not understand what they were asking to be done to fix this. I got a call the next day from a XXXX with a call back number and extension XXXX minutes later XXXXXXXX XXXX  that said office closed. I am unable to make any further payments to this card, meanwhile I am accumulating 30 % interest on the card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect on a capital one debt. XXXX is reporting 2 different amounts owed on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: UT

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, duplicate employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for a Chase credit card online and entered my savings account as the payment source. The website specifically allowed me to select savings account, and I received confirmation that my payment information was accepted. 

When I made a payment, Chase returned it, claiming my bank information was incorrect. I contacted Chase, verified the information, and explained that it was a savings account. Chase representatives assured me savings accounts were acceptable and told me to obtain documentation from my bank to authorize payments. 

After doing this, Chase attempted the payment again but processed it as a checking account, causing another returned payment. A supervisor later told me that Chase does not accept savings accounts as a valid payment method. 

This was misleading and inconsistent information from Chase, and it caused unnecessary time and inconvenience. It may also violate the Truth in Lending Act ( TILA ) and Electronic Fund Transfer Act ( EFTA ) because Chase misrepresented payment options and mishandled my authorized transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Well I seen that zelle or XXXX violated customer right information, or probably leaked stuff. There has been time where I send money through Zelle for some reason takes 3 days for other person to get it meanwhile the moneys is there on account n they take It doesnt make sense. Also saw that theres a settlement going on so wanted to check it out if it could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation