vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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 submitting this dispute to Experian for the following accounts, which I believe to be inaccurately reported or unverifiable : CHARGED OFF ACCOUNTS : XXXX XXXX XXXXXXXX, XXXX * * * *, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX * * * *, XX/XX/XXXX, Balance : {$930.00} XXXX, XXXX * * * *, XX/XX/XXXX, Balance : {$1200.00} XXXX, XXXX * * * *, XX/XX/XXXX, Balance : {$110.00} XXXX & XXXX XXXX XXXX XXXX XXXX * *, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX * XXXX * *, XX/XX/XXXX, Balance : {$2000.00} XXXX, XXXX * * * *, XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX, XXXX * * XXXX XXXX, XX/XX/XXXX, Balance : {$240.00} XXXX XXXX, XXXX * * * *, XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX XXXX XXXX, XX/XX/XXXX LATE XXXX XXXX XXXX XXXX, XXXX * * XXXX XXXX XXXX XXXXXXXX, 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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX someone set up a direct pay thru my business account. On XXXX I reported it as fraud. I was lead to beleive wellsfargo would do something to get the {$4900.00} back. They came back 10 days later saying this was authorized my my XXXX address and washed their hands of it all. I have repeartly asked for proof so I can file a police report or something, requested the bank that cashed the money. Have received nothing, have made numerous calls and have been hung up on, transfered to multiple departments. Nobody seems to concerned that money money has been stolen, there is a XXXX XXXX why can't I have access so I can file a police report. There is no way this was me or anyone in my house hold.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a new checking account at chase bank and linked my td bank account and tested transefer with small amounts {$170.00} and {$1.00} Then the next day my chase checking account was frozen and then I contacted the bank via phone and went to the branch they said they are closing the account, even though both accounts are under my name All transactions via XXXX that I recieved for my freelance XXXX work was returned to customers according to them but when I contacted them all transaction were successful I lost {$1200.00} transactions and my account was suspended I requested them to give me a reason or ask for any proofs but they said its final decision

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: OK

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-05 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: MI

Complaint narrative:
This tradeline belongs to XXXX XXXX Bank for XXXX. XXXX confirmed in writing on XX/XX/XXXX that they sold this account on XX/XX/XXXX and they are no longer the creditor. Once an account is sold, the original creditor can not continue to verify or furnish ongoing charged off status. XXXX XXXX XXXX ( the purchaser ) terminated collection and notified the credit reporting agencies to delete their tradeline. That collection was deleted. 

TransUnion continues to verify this account with Comenity even though XXXX legally is no longer the owner, which makes XXXX verification inaccurate, incomplete, and not legally verifiable. This violates FCRA 611 ( a ), 611 ( a ) ( 7 ) ( MOV ), 607 ( b ) and 623 ( a ) ( 2 ). 

I am attaching proof : Comenity letter confirming sale XX/XX/XXXX XXXX XXXX response showing deletion and termination Screenshot from TransUnion showing this tradeline is still reporting negatively Please delete this account from TransUnion and confirm correction.

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 2025-11-05 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Urgent : Bank is blocking access to funds despite in-person identity verification Description : My account is frozen by Citibank and XXXX presented myself in person at a XXXX different Citibank branches XXXX my passport and debit card to verify my identity talking with XXXX different bankers and a XXXX XXXXXXXX. 

My account was blocked since I tried to transfer XXXX XXXX dollars to my brothers account on XX/XX/XXXX - 2025. I called several times to the fraud department even being inside XXXX different Citibank branches and tried many times to make them understand the situation. 

Despite confirming my identity in person, the bank refuses to release my funds or allow withdrawal. 

They insist on verification via an old phone number that I no longer have and by mailing a letter to a former address in the XXXX where I no longer reside. The banker of the Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) advice was to change my phone number and address of my account and that created XXXX alerts in their system to prevent fraud. 

This creates an impossible situation and prevents me from accessing my own funds. 

I am only in the United States for a few days and the bank refuses to provide a reasonable method to restore access. I traveled from XXXX to the XXXX exclusively to restore the access of my funds what made me spend money in Flights and XXXX plus a lot of time traveling and inside the Citi Bank branches. 

I request immediate enforcement of my right to access my funds after verified identity, under Regulation XXXX and CFPB rules. 

Thank you very much for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
CHARGED OFF ACCOUNTS Bankruptcy Case/File : XXXX Reported : XX/XX/year> Statement : I am disputing the accuracy of the bankruptcy record reported by TransUnion. 
I request that TransUnion verify this information directly with the court that allegedly filed the record. If the record can not be verified with the original public source, it should be removed as required by FCRA 611 ( a ) ( 5 ).

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 2025-11-05 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:
CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX Balance : {$1800.00} Capital XXXX Acct : XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX Thrive Financial Acct : XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$7600.00} Statement : I am disputing the accuracy and completeness of the above charged-off accounts as reported by Experian. 

The XXXX XXXX XXXX XXXX XXXX account shows a balance that I do not recognize and may have been reported in error. 

The XXXX XXXX account is outdated and should be removed based on the 7-year reporting limit. 

The XXXX XXXX account contains discrepancies in balance, status, and date information when compared with other bureaus.

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 2025-11-05 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: FL

Complaint narrative:
Re : Dispute of Negative Items in My Credit Report Dear Sir/Madam, I am writing to dispute the negative items listed in my Equifax credit report. After reviewing my report, I noticed the following discrepancies that I request be investigated : XXXX. XXXX XXXX XXXX Account This account is listed as a charge-off with a balance of {$500.00}. I request verification of the charge-off and supporting documentation for the reported balance. 
XXXX. XX/XX/XXXXXXXX Account This account is reported as repossessed. Please provide evidence of the repossession, including the date and final settlement. 
XXXX. Late Payments My report includes multiple late payments reported as XXXX, XXXX, and XX/XX/XXXXdays late. I dispute these entries, as they do not align with my records. Please verify the accuracy of these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting a formal dispute regarding the above-listed accounts with each credit bureau XXXX These items are negatively impacting my credit, and I am requesting that the credit bureaus verify the accuracy and completeness of the information. I believe these items are either incorrect or require further investigation as part of my rights under the Fair Credit Reporting Act ( FCRA ). 

LATE PAYMENT : XXXX Account Number : 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
approximately, XX/XX/XXXX, I went to a XXXX XXXX XXXX gas station to purchase some snacks. I dont use the account only for clothing or expensive purchases. And i went to purchase something but my card declined. turned out that i had over XXXX ( XXXX ) XXXX  transactions that i did not authorize. i called wells fargo because it was a fraudulent affair, but the woman i spoke with put the case as me not remembering buying the items when i explicitly told her and showed her from the XXXX thru the XXXX i did not make any XXXX purchases. They soon declined it and i was without any money on my account. so i was stuck with a new card and no money to show for my case of fraud. This is serious to me because of the hard money i worked for to be stolen and I have nothing to show for it

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
On XX/XX/year>, I sent dispute letters to each credit reporting agency regarding inaccurate, obsolete, and misleading accounts on my credit reports. 
I requested that each bureau : Conduct a proper reinvestigation of the disputed items within 30 days as required by 15 U.S.C. 1681i ( Fair Credit Reporting Act ).

Remove all unverifiable or inaccurate accounts and inquiries.

Provide full file disclosures including the sources of information, dates, and end-users who accessed my report, as required by 15 U.S.C. 1681g.

Despite these requests, I have not received a proper reinvestigation or verification. The inaccurate information continues to appear on my reports, resulting in emotional XXXX, financial harm, and denial of credit.

Furthermore, each bureau has reported and published my personal information without my explicit consent or written authorization, which I believe constitutes a violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ).

I also expressed concern about prior data breaches and improper sharing of my personal information, which could relate to potential identity theft or mishandling of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
On XX/XX/year>, I sent dispute letters to each credit reporting agency regarding inaccurate, obsolete, and misleading accounts on my credit reports. 
I requested that each bureau : Conduct a proper reinvestigation of the disputed items within 30 days as required by 15 U.S.C. 1681i ( Fair Credit Reporting Act ).

Remove all unverifiable or inaccurate accounts and inquiries.

Provide full file disclosures including the sources of information, dates, and end-users who accessed my report, as required by 15 U.S.C. 1681g.

Despite these requests, I have not received a proper reinvestigation or verification. The inaccurate information continues to appear on my reports, resulting in emotional XXXX, financial harm, and denial of credit.

Furthermore, each bureau has reported and published my personal information without my explicit consent or written authorization, which I believe constitutes a violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ).

I also expressed concern about prior data breaches and improper sharing of my personal information, which could relate to potential identity theft or mishandling of my data.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I filed a police report because someone stole my identity and used information to obtain a credit card from Discover ( my account ) sent their address. They proceeded to make fraudulent charges. I called Discover XXXX about these fraudulent charges. The thief changed all my information to match theirs as in the address, security word. Discover is not acknowledging I asked to pay off this card to take advantage of the no interest fees promotion. Discover could not provide me a true statement and now I am being charged interest fees for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am filing this formal dispute and legal demand regarding serious violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by Equifax.

The information contained in my consumer credit files includes false, inaccurate, and misleading data that creates confusion regarding the validity of the account listed below.

I did not authorize, permit, or consent to the reporting of this account, nor was I provided prior notice or an opportunity to object to its inclusion.

This constitutes a direct violation of the FCRA and of the statutory duties imposed on consumer reporting agencies and furnishers of information. 

Despite having submitted a formal written dispute with complete documentation on XX/XX/XXXX, none of the bureaus conducted a reasonable reinvestigation nor corrected the inaccurate information. 
This ongoing failure to comply with federal law violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( Section 611 ) : failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibition on furnishing false or inaccurate information.

15 U.S.C. 1681c-2 ( Section 605B ) : requirement to block or delete unverifiable or unauthorized items upon receipt of proper dispute documentation. 

The continued presence of this inaccurate information in my credit reports from all three bureaus damages the integrity of my consumer file, prevents accurate assessment of my creditworthiness, and misrepresents my financial history. 

Federal courts have long recognized that failing to accurately update or mark disputed accounts violates the FCRA, including : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The omission or continued reporting of disputed or unverifiable data constitutes an ongoing violation that causes measurable harm to my credit reputation and consumer rights.

Company response to consumer: Closed with non-monetary relief