vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my third complaint regarding TransUnions failure to correct inaccurate personal information in my credit file and its failure to remove an unauthorized hard inquiry. Despite two previous disputes, TransUnion has not removed outdated addresses, incorrect employers, aliases, or other inaccurate identifiers that do not belong to me. Additionally, TransUnion continues to report an unauthorized inquiry from XXXX XX/XX/XXXX, which I did not authorize or initiate, and which does not meet the permissible purpose requirements under FCRA 604 ( 15 U.S.C. 1681b ). My only correct and legally verifiable information is as follows : Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX APT XXXX, XXXXXXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Employer : XXXX XXXX XXXX XXXX XXXX continued refusal to correct these inaccuracies and its failure to remove an unverifiable inquiry violate multiple sections of the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ) for failing to conduct a reasonable reinvestigation within XXXX days, FCRA 607 ( b ) for failing to ensure maximum possible accuracy, FCRA 609 ( a ) for failing to provide required disclosures and verification documentation, and FCRA 604 for reporting an inquiry without permissible purpose. This ongoing inaction exposes me to identity theft, credit contamination, and further harm, and constitutes negligent and potentially willful non-compliance under FCRA 1681n and 1681o. I am requesting CFPB intervention to require TransUnion to correct all inaccurate personal information, delete the unauthorized SYNCB inquiry, conduct a meaningful reinvestigation, provide verification documentation, and issue an updated corrected 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting an inaccurate and unverified bankruptcy on my credit report and has refused to correct or delete it despite multiple disputes. This violates several sections of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Violation of FCRA 1681e ( b ) TransUnion failed to follow reasonable procedures to ensure maximum possible accuracy. 
The bankruptcy they are reporting is incorrect, unverified, and not provided by the Bankruptcy Court. 

XXXX. Violation of FCRA 1681i ( a ) TransUnion failed to conduct a reasonable reinvestigation after I disputed the information. 
They relied on third-party data sources, not the actual Bankruptcy Court , which is the only valid source of verification. 

XXXX. Violation of FCRA 1681i ( a ) ( 5 ) ( A ) TransUnion refused to delete inaccurate or unverified information even after being notified of the errors. 

XXXX. Violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) TransUnion failed to provide the legally required method of verification. 
They did not show how or from whom they verified the bankruptcy. 

XXXX. Willful Noncompliance FCRA 1681n TransUnion continued reporting false information after I notified them multiple times, showing reckless disregard for the law. 

XXXX. Negligent Noncompliance FCRA 1681o TransUnions mishandling of my dispute caused financial harm, credit denials, stress, and reputational damage. 



Summary TransUnion violated multiple sections of the FCRA by : Reporting false and inaccurate information Failing to reinvestigate properly Refusing to delete unverifiable information Ignoring identity-theft and dispute documentation Failing to provide the required method of verification I am requesting CFPB assistance to force TransUnion to delete the inaccurate bankruptcy and comply with federal law. 

I am also filing a civil case violate in my rights and causing harm to 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> I walked inn and deposited a personal check for {$75000.00}. I talked to the manager. She assured me it would be available next day. I saw my deposit receipt said next day availability. I walked away. 

Today XX/XX/year> I woke up left to work. Checked my application and noticed the funds were available. I did a few thing before heading to the bank. When I got the I notice the balance was not available! 
I called customer service immediately. They told me the check did not have funds. When they reached out to the bank holding the note. 

I called my bank XXXX. Since the check was to my self. They assured me the check had funds. To call my bank to release it. So I called Wells Fargo back. And tried to resolve the issue with my bank Wf. 

Called Wf back and let them know to escalate the situation since I know Ive always had the money. It wasnt on hold or pending to cover the amount. My money was there and available! They told me they could not do anything about it. 

So I went in personally and they stated the same thatching. Talked to the same manager that I deposited the check with originally. She felt so bad. So Im stuck until XX/XX/XXXX. Thats when they said I would get my problem resolved. Mean while I have a payroll to make for my Bussines. And a mortgage to pay. This is unfair. Mean while Wf collects interest on my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Amex Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$5000.00} Credit Card Opened by the Thief Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$860.00} Credit Card Opened by the Thief Company or Organization : AMEX-CBNA Account XXXX : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$670.00} Credit Card Opened by the Thief Fraudulent Information on Credit Reports Suspect Information Company or Organization XXXX XXXX Credit Card Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2500.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I sent an international wire transfer for {$2900.00} USD from XXXX ( XXXX ) to a Chase Bank account in the United States. I accidentally entered an incorrect account number, and the funds were posted to the wrong Chase customers account. 

For nearly two years, I have been trying to resolve this issue. I have repeatedly contacted both XXXX and Chase. XXXX submitted recall requests, and Chase confirmed to the sending bank that the funds were credited to another customers account. However, Chase will not disclose whether they attempted to debit the recipients account, whether the recipient refused, or whether the funds are still available. 

Throughout this period, both banks have directed me back to each other, and no one has taken responsibility for resolving the issue. Despite multiple follow-ups, the money has not been recovered, and I have not received a clear explanation of what actions Chase has taken to retrieve the funds. 

I am requesting that Chase provide a full investigation and take the necessary steps to complete the misapplied credit recovery process and return my funds if possible. Chase has not confirmed whether they attempted to debit the incorrect recipients account, nor provided clear responses to the sending bank despite repeated SWIFT recall attempts. I have followed all steps required from my side for two years, but neither bank has resolved the issue. The long delay and lack of cooperation have caused financial stress, and I believe Chase has not taken necessary recovery steps to correct a clear mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( XXXX ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are attempting to collect a fraudulently inflated debt.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Line Financial, PBC
State: LA

Complaint narrative:
I used the Beem app for a {$50.00} cash advance. I received the advance and successfully repaid it on XX/XX/XXXX. XXXX help desk confirmed my advance was fully repaid on XX/XX/XXXX. Due to app glitches, I was unable to request another advance, so I deactivated my account and canceled my subscription on XX/XX/XXXX. 

Despite this, within the past week Beem has repeatedly attempted to withdraw {$50.00} from my bank account on multiple occasions from XX/XX/XXXX to present day XX/XX/XXXX. I have contacted XXXX help desk and phone support multiple times without any response. These withdrawal attempts are unauthorized, as the advance was repaid and my account was deactivated. 

I request that Beem immediately cease all withdrawal attempts, confirm in writing that my account is closed with a XXXX balance, and refund any funds withdrawn after repayment. I also request confirmation that no negative notes will be placed on my account. I am attaching repayment confirmation, screenshots of glitches, my deactivation confirmation, and bank alerts showing attempted debits. 

Please assist in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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. 
XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( XXXX ) 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 2025-12-03 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
A fraudulent account is reporting under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize or create this account. I have filed an FTC Identity Theft Report and provided supporting documentation. 

XXXX is reporting inconsistent and inaccurate information across bureaus listed as an Account on XXXX  but a Collection on XXXX  and XXXX. XXXX XXXX XXXX fields such as XXXX, XXXX, Account Status Code, Original Creditor Name, and Date Opened are missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
There multiple areas of concern : XXXX. From the start, once I was applied and accepted, they asked what would be the best day to pay on. I told them the XXXX of each month. They started the process, XXXX out of my checking account on the XXXX. Come to find out months later, I reviewed a paper statement, and it turns out my loan is due on the XXXX of each month. Never did they tell me this from the beginning. Why ask a date, not tell me what day it due, and go on with this process? Does it not feel like they were setting me up to fail? 
XXXX. I noticed they started taking the payment sometimes XXXX to XXXX days before the XXXX. So I put a stop to that with my bank. By doing so, I can only assume that they tried to send it in too early and got denied. In the process, I never realized and got behind. This is when I started talking to them. I wanted clarity which they could never do. 
XXXX. During the process of getting caught up, I tried multiple times to get on their website so that I could pay and see my own account to know what was happening. This process took way too long. I couldn't ever get on and had to get ahold of XXXX people before being able to get set up. I finally got set up, and I could still not pay online. At first, I thought it was an error. I tried again today, had to go text where they needed to scan my driver 's license ( front and back ) and take a selfie. This still didn't get me back on the website. It is as if they are wanting me to fail again. Everything about them feels deceitful. 
XXXX. The company is either called Shellpoint, XXXX, or NewRez. I've seen all of them on some part of statements. Feels real shady not knowing who you are really dealing with. 
XXXX. They say they record every call. They should have transcripts of all my conversations.

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