vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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:
XXXXI am writing to formally dispute inaccurate and unauthorized personal information currently\nbeing reported on my credit file with your agency, in violation of the Fair Credit Reporting Act\n(FCRA), 15 U.S.C.  1681 et seq., and my federally protected Right to Privacy. Pursuant to 15\nU.S.C.  1681e(b), credit reporting agencies are legally required to maintain only accurate\ninformation and ensure the maximum possible accuracy of consumer data. Furthermore, the\nFCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information,\nincluding addresses and employers that are not demonstrably and directly associated with the\nconsumers credit history. Incorrect Information Reported: Name Variations  The only\nauthorized and correct name that should appear on my credit report is: XXXX XXXX XXXX  Any other name variation must be permanently removed as it is\nincorrect and misleading. Addresses  The only address that should appear on my credit file is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other addressesincluding but not\nlimited to  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAny previous address listings without proper verification or\nassociation with my credit history must be removed immediately as they are erroneous and\nconstitute a violation of FCRA provisions. Legal Basis for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, you are obligated to: Ensure the maximum\npossible accuracy of the information in my file ( 1681e(b)) Correct or delete any information\nfound to be inaccurate or unverifiable within 30 days of this notice ( 1681i(a)) Refrain from\nviolating my Right to Privacy by publishing or reporting personal data without my consent or in\nthe absence of a permissible purpose.'

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 2025-12-18 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: IL

Complaint narrative:
XXXXI am writing to formally dispute inaccurate and unauthorized personal information currently\nbeing reported on my credit file with your agency, in violation of the Fair Credit Reporting Act\n(FCRA), 15 U.S.C.  1681 et seq., and my federally protected Right to Privacy. Pursuant to 15\nU.S.C.  1681e(b), credit reporting agencies are legally required to maintain only accurate\ninformation and ensure the maximum possible accuracy of consumer data. Furthermore, the\nFCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information,\nincluding addresses and employers that are not demonstrably and directly associated with the\nconsumers credit history. Incorrect Information Reported: Name Variations  The only\nauthorized and correct name that should appear on my credit report is: XXXX XXXX XXXX  Any other name variation must be permanently removed as it is\nincorrect and misleading. Addresses  The only address that should appear on my credit file is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other addressesincluding but not\nlimited to  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAny previous address listings without proper verification or\nassociation with my credit history must be removed immediately as they are erroneous and\nconstitute a violation of FCRA provisions. Legal Basis for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, you are obligated to: Ensure the maximum\npossible accuracy of the information in my file ( 1681e(b)) Correct or delete any information\nfound to be inaccurate or unverifiable within 30 days of this notice ( 1681i(a)) Refrain from\nviolating my Right to Privacy by publishing or reporting personal data without my consent or in\nthe absence of a permissible purpose.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Inaccurate unverified information has been reported to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am submitting this as my third formal dispute regarding the glaring inaccuracies on my Equifax, Experian and TransUnion credit report. Despite my repeated disputes, supporting documentation, and clear explanations, these items remain uncorrected. The continued inaction is not only frustrating but entirely unacceptable, as it is causing ongoing and significant harm to my creditworthiness, financial opportunities, and personal reputation. The repeated failure to act demonstrates a blatant disregard for my rights as a consumer, and I demand immediate and decisive correction in strict compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX  XXXX XXXX XXXX : {$30.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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

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 2025-12-18 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:
I am writing to formally dispute and request the immediate removal of fraudulent accounts currently being reported on my credit file. These accounts are the result of identity theft, and I have never authorized or opened them

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 2025-12-18 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: TX

Complaint narrative:
I am sending this complaint to formally dispute two accounts on my credit report that I believe are being reported inaccurately and may be in violation of federal law. When reviewing my credit report, I was alarmed to see these accounts reported in their current status. The XXXX XXXX account is listed as a charge-off, but I have reason to believe the information reported may be incomplete or inaccurate.The first account is a charge-off with XXXX XXXX, account XXXX XXXX, showing a balance of {$6300.00}. The second account is a collection listed under XXXX XXXX, account number XXXX, showing a balance of {$230.00}. I want to provide context and explain why the reporting of these accounts is inaccurate, misleading, and legally questionable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. FCRA 623 ( a ) ( 1 ) ( A ) requires that creditors and credit reporting agencies report accurate information, and FCRA 607 ( b ) to maintain the accuracy and integrity of my credit file. Reporting unverifiable or inaccurate information is a direct violation of these statutes.Additionally, the date of first delinquency ( DOFD ) for the XXXX XXXX account may be incorrect. Under FCRA 623 ( a ) ( 5 ), the DOFD must be reported accurately, as it directly affects how long negative information can remain on a credit report. If the DOFD is inaccurate, continuing to report this account as a charge-off constitutes a misleading and legally impermissible action. FCRA 605 ( a ) also prohibits reporting obsolete information, and I am concerned that this account may include data that is too old to remain on my 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 2025-12-18 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: GA

Complaint narrative:
In accordance with the fair reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX  Account Nunber XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX Account Number XXXX 15 u.s.c 1681 section 602A. States I have the rights to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also State a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. 9 ( 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 comsumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding Wells Fargos failure to restore funds after a released debit card authorization. 

On XX/XX/2025, XXXX XXXX XXXX XXXX XXXX XXXX placed a {$200.00} incidental deposit authorization on my Wells Fargo debit card. 
I checked out on XX/XX/2025 with no incidentals, and the authorization was released. 

XXXX XXXX confirms the transaction status as Refunded, indicating the merchant released the authorization and the card network acknowledged it. 

However, the {$200.00} was never restored to my available balance. There is no posted transaction showing the funds were spent, and Wells Fargo can not identify a merchant, date, or charge consuming this amount. 

Wells Fargo denied my claim stating no error occurred, without explaining where the funds went or reconciling the released authorization. 

I am requesting a balance correction and restoration of the {$200.00} that was removed from my available balance and never returned.

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 2025-12-18 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: MO

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am filing a complaint regarding repeated and unexplained restrictions on my Chime account that have prevented me from accessing my own funds and caused financial hardship. 

My account was initially restricted due to alleged suspicious activity and held for approximately 48 hours. After waiting the full review period, Chime emailed me confirming that the review was complete, the temporary block was removed, and that no further action was required from me. 

Less than ten minutes later ( approximately 7minutes, I can provide proof of this ), my account was restricted again without any new transactions, withdrawals, transfers, logins, or other activity on my part. I received a second email stating that my account was once again under review for unusual activity. 

Since the second restriction : I have not been asked to verify my identity or submit any documentation I have been given no explanation for the repeated restriction I have been provided no timeline for resolution Customer service representatives state they are unable to escalate or lift the restriction As a result, I have been denied access to my own funds for essential living expenses, including bills that were due immediately after the initial 48-hour hold ended. This repeated restriction appears to be an automated or system error, as Chime itself confirmed my account was safe and the review was complete before re-restricting access minutes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Date : XX/XX/year> Amount : {$61.00} What happened : I had a Capital One Savor card that was closed on XX/XX/year> out of no where ( at least that what I feel ). The reason they provide was due to inactive and no transaction in certain time period, which I think it was fine. But, along the card closure, I couldn't get my existing rewards back. 

Actions taken : I called Capital One customer service and told them what happened and compliant about that. They told me there's nothing they can do!!! I compliant about 2 things here : 1 ). They shouldn't have closed my account without reminder or let me know in advance, which they argued saying email was sent and statement section on the account center should have the notification letter as well. However, neither do I recive the email reminder, nor do I see the letter in my account center. I asked them to check my account center themselves, while their customer representative told me that they couldn't verify that and there is nothing they can do about it.

2 ). They won't allow me to take my existing rewards back after closing my account, which is ridiculous for me. My feeling is like you closed my account out of nowhere and won't even let me get my rewards back. How could that be! Still, their customer representative told me that there's nothing they can do to help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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: CT

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

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 2025-12-18 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-18 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 am submitting this as my third formal dispute regarding the glaring inaccuracies on my Equifax, Experian and TransUnion credit report. Despite my repeated disputes, supporting documentation, and clear explanations, these items remain uncorrected. The continued inaction is not only frustrating but entirely unacceptable, as it is causing ongoing and significant harm to my creditworthiness, financial opportunities, and personal reputation. The repeated failure to act demonstrates a blatant disregard for my rights as a consumer, and I demand immediate and decisive correction in strict compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX  XXXX XXXX XXXX : {$30.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 submitting this as my third formal dispute regarding the glaring inaccuracies on my Equifax, Experian and TransUnion credit report. Despite my repeated disputes, supporting documentation, and clear explanations, these items remain uncorrected. The continued inaction is not only frustrating but entirely unacceptable, as it is causing ongoing and significant harm to my creditworthiness, financial opportunities, and personal reputation. The repeated failure to act demonstrates a blatant disregard for my rights as a consumer, and I demand immediate and decisive correction in strict compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00} XXXX  XXXX XXXX XXXX : {$30.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>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

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 2025-12-18 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: FL

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