vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
SOUTHWEST RECOVERY SER Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and eliminate them from my report. I am aware that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please remove the information from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, I am not to be charged for this updated report. Furthermore, I kindly request that you notify any parties who have received my credit report within the last XXXX months of any corrections made. 

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mt ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Account Name- XXXX Account Number- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TRUEACCORD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe I was charged XXXX overdraft fees of {$35.00} each unjustly. 

I would like a refund of {$100.00} from Wells Fargo which they continue to deny. 

I believe these overdraft fees were charged incorrectly because. 
XXXX. The transactions that got assessed the fees were bill pay. 
XXXX. On XX/XX/XXXX, these XXXX transactions were listed as Bill pay transactions on my billing statement. But didnt get sent out. So then they were charged on XX/XX/XXXX as XXXX transaction. There was enough money available on XX/XX/XXXX to cover all transactions. 
XXXX. There was a glitch in the Wells Fargo bill pay service I manage my credit card payments by using bill pay service with Wells Fargo. I set up all my payments to go on the same exact date. This usually happens on the night that its scheduled for the following morning. What is left over I use for my personal expenses, such as groceries. 

On XX/XX/XXXX I thought that all the payments were processed the night before and what was left over whats for me to spend. But what happened was that there was a glitch in the bill pay service with Wells Fargo. It did not send all payments. 
XXXX payments were not sent out including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These XXXX transactions were eventually paid by Wells Fargo to the credit card companies, but I was charged an overdraft fee of {$35.00} each for each of those XXXX transactions of which I think was not fair XXXX complaints filed with Wells Fargo. 
XXXX first complaint XXXX second complaint Wells Fargo continues to say that it was my fault that I had scheduled payments on my own separate from the bill pay service of which I did not do the XXXX payments that were sent out from my bank or actually bill payments that did not get sent out the night before with the rest of my regular weekly payments. 

I have attached billing statements from XXXX XXXX, and XXXX so it can be shown that these bill pay amounts were a regular occurrence. and that would actually have happened was a glitch in the Wells Fargo banking system. 

The issue is found on the XXXX billing statement on XX/XX/XXXX and 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: DE

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX paid balance of XXXXXXXX XXXX they reversed late fee and then put it back on and charged me interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 the victim of identity theft. Unauthorized individuals used my personal identifying informationincluding my name, date of birth, and Social Security XXXX open and/or use credit accounts and services without my consent. As a result, several fraudulent accounts were added to my credit reports with XXXX, Equifax, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. Unauthorized individuals used my personal identifying informationincluding my name, date of birth, and Social Security XXXX open and/or use credit accounts and services without my consent. As a result, several fraudulent accounts were added to my credit reports with XXXX, Equifax, and 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 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
There was a Borrowers Defense case brought against the school which resulted in my loans being discharged. XXXX  posted documentation in my portal on XXXX stating that it was processed and the existing unpaid amount was marked to XXXX. The letter I received from Federal Aid did tell me that I would be reimbursed for all payments that I had already made and if you look at the loan details page it clearly shows the negative balances which would be what I am owed for the payments that I did make. I have made several attempts to find out when the refund would be processed and they always pass me back to Federal Aid who in turn sends me back to Aidvantage. It is an endless circle trying to find out where my refund is. 


XXXX Direct Loan - Subsidized - {$600.00} 3.760 % No Due Date XXXX Direct Loan - Unsubsidized - {$3700.00} 3.760 % No Due Date XXXX Direct Loan - Subsidized - {$620.00} 3.760 % No Due Date XXXX Direct Loan - Unsubsidized - {$1100.00} 3.760 % No Due Date XXXX Direct Loan - Subsidized - {$710.00} 4.450 % No Due Date XXXX Direct Loan - Unsubsidized - {$1400.00} 4.450 % No Due Date XXXX Direct Loan - Subsidized - {$870.00} 5.050 % No Due Date XXXX Direct Loan - Unsubsidized - {$1300.00} 5.050 % No Due Date XXXX Direct Loan - Subsidized - {$340.00} 4.530 % No Due Date XXXX Direct Loan - Unsubsidized - {$400.00} 4.530 % No Due Date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and eliminate them from my report. I am aware that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please remove the information from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, I am not to be charged for this updated report. Furthermore, I kindly request that you notify any parties who have received my credit report within the last six months of any corrections made. 

Thank you for your attention and assistance regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I previously filed a complaint with Capital One regarding a missing {$250.00} bonus. They responded that a check for {$250.00} would be sent to me, but it has been over two months and I still havent received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was trying to complete a purchase from a private seller. I sent the money to the private seller ( chase bank ) did not allow the transaction to go through. I called them to see why and they told me I had to complete an authentication for the transaction to be completed. Meaning I would have to answer a series of security questions to verify my identity.

I told Chase that I didnt have time at that moment and that I would figure everything out later. The XXXX XXXX representative assured me that he could not complete the transaction without that authentication. 

I checked my account and realized that they had completed the transaction when I was no longer with the private seller. 

When I reached out to Chase bank, they admitted that there was no authentication on record because one had not been completed and marked it as a bank error and said they would investigate and return my funds within 10 business days. They never asked me for any additional paperwork, but decided to deny the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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