vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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 just checked my credit report again and those inaccurate accounts are still there. They were never taken off, and this has been extremely stressful for me. I am pleading that you carefully review the documents Ive attached so I can finally stop worrying about this.

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 2025-11-04 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to properly reinvestigate and verify the accuracy and completeness of all information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, but the bureau did not provide the required verification details or proof that the information was actually confirmed by the original furnishers. As a result, I am unable to validate the accuracy of my consumer file, which is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 checked my credit report again and those inaccurate accounts are still there even after everything Ive done. I am extremely frustrated and begging for the documents I sent to be reviewed carefully so I can finally have peace of mind about this.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
There are many times I would look online and my account have everything posted. Then look again they have redacted purchased items or they disappear then when they resurface your account will be in overdraft. I have called multiple times and they would refund the money but only to hold something else and charge another {$29.00} fee. There were {$13.00} in my account and now I'm showing negative again. They say they give your deposit of XXXX or XXXX early and they will hold them as well just so your account can access fees. The bank just know how to get fees from their customers.

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 monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I had a personal loan with XXXX and I had some difficulties to pay it off at the end due to going through divorce. I was contacted by phone by a company called XXXX financial solutions and they talked me into going with them to reduce my debt. I tried to hang up couple of times while the lady was persuading me to listen to her. I thought they were gon na reduce my debt by lowering the monthly payments because I was still making payments but the payments was going to another account I think managed by a company called Forth while they were negotiating to settle my debt with XXXX. I didnt know that my account would go to the collections. I have told that lady that called me I dont want this to affect my credit because I wanted to buy a house in XXXX years and she said no it doesnt affect my credit. Few months ago I realized that the SoFi bank on my credit shows as collections and I have contacted XXXX and they said the company Forth deals with credit reporting matters. Long story short not only I paid the debt but also Alleviate or the Forth charged me close to XXXXXXXX XXXX in fees and the settled amount was XXXX plus the XXXX fees I just paid XXXX less than what I owed to XXXX and on top of that my credit was destroyed. I specifically asked them about affecting my credit initially and they said no thats why I went with them I also didnt know I was gon na be charged fees too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY

Complaint narrative:
I get a monthly ACH amount from my retirement funds to my Checking account at Wells Fargo, the retirement funds get debited on the last working day of the month and the ACH acmount shows up after 3-4 days in my checking acocunt. This is NOT what I expect out of the ACH, typically when I transfer to others, it is with in one day. Why is this problem?

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date : XX/XX/year>. 

Im now requesting you investigate this account and update these payments to paid on time immediately. 

Thank you for your understanding and prompt action.

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 2025-11-04 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX  # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX  # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a cashier check on XX/XX/year> to my account in the sum of {$320000.00}, it was a {$300000.00} and {$24000.00}. I was told the funds would be available XX/XX/year> on the deposit slip. 
After XXXX  days later XX/XX/year>, my acccount was locked and was on negative and after few hours it was locked and I was told to call XXXX customer care number. I did call the number and was told to go to the branch which I did deposit the check so I can understand better. 
And to my surprise when I went to the chase branch the next day, I was told the check was fraudulent. So I did call the check verification number on the check because I do have a picture of the check, I was told both check was paid the same day I deposited the check, so how is it possible for it to be a fraudulent check!? 
I have video and all screenshot evidence of the check being legitimate and debit of when the check was bought at the XXXX bank because I did contact the sender of the check about all this going on and the sender was also shocked by all this and provided me the debit she received when it was bought at the bank and also went over to the XXXX bank where the check was bought but the manager said nothing can be done because the funds have been cashed already and also gave me this consumer finance protection website so I can file a complaint against CHASE BANK. So WHY DOES CHASE BANK DOESNT WANT TO RELEASE THE MONEY!!!? 

They also called the cops on me while I was on their branch because they claim it was fraud.,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report.

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable and inexcusable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm, and I will not tolerate it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I am filing this complaint because the consumer reporting agency failed to properly reinvestigate and verify the accuracy and completeness of all information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 

I submitted a written request for a full file reinvestigation, but the bureau did not provide the required verification details or proof that the information was actually confirmed by the original furnishers. As a result, I am unable to validate the accuracy of my consumer file, which is 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 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 2025-11-04 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are profoundly negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX  # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am very upset to see that these inaccurate accounts are still appearing on my credit report, even after everything Ive done to fix this. Im begging for the attached documents to be carefully reviewed so I can finally stop stressing about this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I contacted Capital One regarding a credit balance I had on my credit card. I explained that I paid off the balance from my Capital One checking account before a refund was posted and it resulting in an over payment/credit balance. I requested the funds be transferred back to my checking account ( which is how they received the overpayment to begin with ) and was refused. I was told they would send a physical check instead. I never received the refund check ( lost in mail ). 

XX/XX/year> I contacted the bank by phone to explain I never received the check and to see what they could do. Not one person could figure out how to resolve my issue. I called 7 times ( yes, I can prove ) that day and the issue is still unresolved and Capital One owes me {$180.00}. They don't know how to issue a new check and stop payment on the one that is lost. They said this could take an addition 20 business days to investigate. I escalated the issue to 4 supervisors and not one could help me. This is deceptive business practices. They know they owe me the mone
y and now they are saying it will be an additional 20 days to investigate? That will be 60 days they've had my overpayment. They are intentionally making this difficult for me so they can absorb the money without refunding it. They are being sued left and right over deceptive business practices, which one suit I'm a part of. They are stealing and withholding funds for personal gain. 

I want my refunds ASAP. I want it transferred electronically back to my account, which is how they received the overpayment to begin with!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-04 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:
I have no links to these accounts ; please delete them within 15 days according to USC 1681g.

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