vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am submitting this as my first formal dispute regarding multiple inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. Upon reviewing my report in detail, I have identified several entries that are inaccurate, incomplete, or unverifiable, including an incorrect address, a charge-off, a collection account, and multiple inquiries. The continued reporting of these inaccuracies negatively impacts my creditworthiness and may result in higher interest rates, denial of credit, or other adverse financial consequences. I am requesting a thorough reinvestigation of all items listed below, with verification directly from the original furnishers where applicable, in strict compliance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ). 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK 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 Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Original Creditor XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-21 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: FL

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

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 2025-12-22 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: DE

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
On XX/XX/year>, {$24000.00} was fraudently transferred out of my account via ACH transfer to an unknown party. This transfer was neither initiated nor authorized by me. The bank made no attempt to verify my identity before conducting the transfer. I discovered the transfer on XXXX XXXX during a routine balance check. I filed an online dispute with the bank ( UFB Direct / Axos Bank ) on XXXX XXXX and also spoke with a representative via phone. During that call, the representative noted that her information did indeed show I had not made the transfer. 
I notified the FTC, FBI ( IC3 ), and local law enforcement on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have had my Chime Bank Account hacked recently. I did not notice the transactions until XX/XX/XXXX when I deposited money {$220.00} into my checking account. On this date, I should have had money in my account to spend. However, not having used the account since XX/XX/XXXX, I had an XXXX XXXX XXXX Charges pending that I did not sign up for and did not utilize. Also, I have my financial accounts fraudulently used in which I had to file a report with the FTC in XX/XX/XXXX. 

On this date, I reached out to Chime Customer Service needing to dispute the charges and explained multiple times that, I did not sign up or authorize this as my cards were fraudulently used. I have to file a report with the FTC. I was transferred to a Supervisor whom was extremely rude and brash, and stated : " I'll let you talk when I am done. I know you used the XXXX XXXX. '' After, I had to interrupt saying, '' I did not authorize these deductions and card was fraudulently used. I did not have access to my cards and I have had to file fraud reports. '' The Supervisor proceeded to say : " You will win a dispute on these but, I transfer you to the dispute center. '' Once speaking with the dispute center, my claim was taken and it was XXXX XXXX XXXX Charges in total of {$450.00} used against my account that I did not authorize. I was given an estimated resolvent date of 90 days. XX/XX/XXXX On XX/XX/XXXX, XXXX I received five emails that the claim was " resolved and no billing error was determined '' less than XXXX hours later. 

I have lost my deposit that was deposited yesterday in its entirety due to, my card being fraudulently used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Urgent Request for CFPB Enforcement to review Wells Fargo Systemic Violation of Regulation E : To the CFPB, I am now filing a complaint regarding Wells Fargo 's refusal to reimburse a clear fraud case involving XXXX and a person posing as a Wells Fargo employee. This is no longer just about my individual dispute. I am asking the CFPB to initiate a formal investigation into Wells Fargo 's systemic failure to comply with Regulation E, Claim XXXX XXXXXXXX. XXXX closed my case in 5 days without evidence of good faith investigation. They did not provide any documentation of their process despite my legal right to receive it. XXXX XXXX said the transaction was authorized based solely on the fact I initiated it even though I was induced through fraud and deception by someone impersonating as a Wells Fargo employee and ignores CFPB guidance that fraudulently induced transactions can still qualify as unauthorized under the EFTA. This is a systemic compliance failure that effects me and other XXXX customers who have been misled about their rights after being scammed. I am asking the CFPB to : Investigate Wells Fargo 's P2P fraud claim handling policies for possible violations of the Electronis Fund Transfer Act. Determine whether their internal fraud dispute process violates the requirement to conduct a reasonable investigation. Please refer this case to CFPB enforecement staff for potential regulatory action. Wells Fargo is failing its custimers.

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 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
I am disputing this account because it is inaccurate and not verifiable. The auto loan is reported only on XXXX  and not consistently across other credit bureaus. XXXX claimed the account was verified but failed to provide documentary proof or explain the method of verification, which violates the Fair Credit Reporting Acts requirements for maximum possible accuracy and reasonable reinvestigation. I am requesting deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 complaint to formally dispute fraudulent and inaccurate information that is currently reporting on my consumer credit reports. I have already contacted the credit reporting agencies directly and exercised my rights to dispute these items ; however, despite my efforts, the inaccurate information remains on my credit file. 



This failure constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies to ensure maximum possible accuracy and to conduct reasonable reinvestigations when a dispute is submitted.

Failure to Conduct a Reasonable Reinvestigation Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. Despite my dispute, the credit bureaus failed to remove or correct the fraudulent information, indicating that no meaningful or reasonable reinvestigation occurred Reporting of Inaccurate and Unverifiable Information Pursuant to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. The continued reporting of fraudulent and inaccurate data demonstrates a failure to comply with this statutory requirement. 

Failure to Delete Information That Can not Be Verified Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be promptly deleted. The disputed account ( s ) remain on my credit report without proper verification, in direct violation of this provision.

Consumer Rights to Accurate Credit Reporting The continued reporting of inaccurate and fraudulent information has caused harm to my credit profile, including negative impacts on my creditworthiness, financial opportunities, and peace of mind. This violates the consumer protection purpose of the FCRA, which is designed to ensure fair and accurate credit reporting

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 2025-12-22 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: LA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting, improper servicing, and an unauthorized loan modification designation on the alleged account with XXXX XXXX XXXX, XXXX. 

In XX/XX/year>, my Experian credit report reflected this account as current through XXXX with a payment posted. In XX/XX/year>, XXXX reported new 30- and 60- day delinquencies and an increased balance without a clear or adequate explanation, despite payments and/or tenders having been made on the account. The retroactive late reporting does not accurately reflect the account history as previously reported. 

Additionally, XXXX internally designated my account as " loan modified '' without my request, consent, or execution of a signed loan modification agreement. I did not negotiate, authorize, or sign any modification, yet this designation appears to have affected payment application, account status, and credit reporting. 

Due to these discrepancies, I formally disputed the account and requested clarification and documentation. On XX/XX/year>, I mailed XXXX XXXX written notice via Certified Mail, Return Receipt Requested, including a Qualified Written Request ( QWR ), a Notice of Billing Error, and a formal dispute of credit reporting. As of the date of this complaint, XXXX has not provided a written response addressing the disputed payment application, reported delinquencies, or the basis for any claimed loan modification. 

I am requesting that XXXX conduct a full investigation, correct any inaccurate credit reporting, provide documentation supporting any alleged loan modification or remove that designation if no executed agreement exists, and provide a clear written explanation of the account status, balance, and payment history.

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 2025-12-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My Personal Information From Credit Reporting Sites Have Been Breached. Its Affecting My Life. 
15 USC 1681c-2 1681c-1 16 CFR part 681

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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Line Financial, PBC
State: FL

Complaint narrative:
I had an account with them since last year!! So on my birthday XX/XX/year> I received {$40.00} transfer from my fianc XXXX XXXX i have not been able to remove my money from my account at all every time I try to contact them they send me email stating that they took care of the matter I have all the emails and message they sent me now they got me blocked out of my account and now Im not able to receive money Im constantly trying my best to settle this matter but I havent been able to reach out with anyone I have spoken with customer service support but they give me the same excuse every time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The account was paid off completely, but the report continues to display late-payment entries.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint regarding a collection account that has been placed on my consumer credit report without proper validation and in violation of federal consumer protection laws.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a written validation notice within five ( 5 ) days of the initial communication with a consumer. This notice must include the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt and request validation.

I did not receive a validation notice within the required timeframe, nor was I provided with proper documentation prior to the debt being reported to the credit bureaus. Specifically, I did not receive the following documents : The Flow-Free Agreement Any Transfer or Assignment of the Debt A Bill of Sale showing ownership of the debt The Original Contract bearing my signature Additionally, I did not receive any Demand Letter or notice of intent to collect prior to this account being furnished to the credit reporting agencies.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and data furnishers are required to ensure that information reported is accurate, complete, and verifiable. Reporting a collection account without first validating the debt constitutes inaccurate and unverified reporting.

Furthermore, the practice of placing a collection account on a consumers credit report without first notifying the consumer or providing validation is commonly referred to as debt parking. This practice has been identified by the CFPB as deceptive and unfair, as it deprives consumers of their right to dispute or validate the debt before credit damage occurs.

Because the alleged debt was never properly validated, never lawfully assigned with proof, and never disclosed to me prior to credit reporting, I dispute this account in its entirety and request that the CFPB investigate this matter for violations of the FDCPA and FCRA.

I respectfully request : Full validation of the alleged debt, or Immediate removal of the collection account from my credit report Thank you for your attention to this matter and for protecting consumer rights under federal law. 

The following are the debts affected : 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint due to systemic violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) by multiple furnishers and consumer reporting agencies acting in conjunction.

My Experian and TransUnion consumer reports contain materially inaccurate, misleading, and unverifiable information, including but not limited to charged-off accounts, incorrect balances, inconsistent dates of first delinquency, improper address reporting ( including designation of a non-residential/business address ), and unauthorized credit inquiries.

Despite the facial inaccuracies and cross-bureau inconsistencies, these entities continue to report derogatory information without maintaining reasonable procedures to assure maximum possible accuracy, in violation of 15 U.S.C. 1681e ( b ). Continued reporting without competent verification constitutes willful noncompliance.

Several tradelines arise from transactions for which required disclosures under the Truth in Lending Act were not properly made or documented, rendering continued reporting legally inaccurate and misleading. Reporting obligations arising from unenforceable or improperly disclosed transactions violates both the FCRA and TILA.

These practices have caused ongoing harm, including adverse credit decisions, inflated interest rates, and denial of fair financing opportunities.

I am requesting that the CFPB exercise its supervisory and enforcement authority to compel correction or deletion of all inaccurate and unverifiable information, require documented proof for any continued reporting, and take appropriate regulatory action against the named entities for systemic noncompliance.

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 2025-12-22 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: LEXISNEXIS
State: NV

Complaint narrative:
XXXX  XXXX XXXX XXXX is reporting two XXXX XXXX XXXX public records on my credit report. One bankruptcy was dismissed/closed, and the other was discharged. I have disputed these records at least five times.

Although the bankruptcies are real court proceedings, XXXX reporting is materially inaccurate and misleading. Each time XXXX  claims to verify the discharged bankruptcy, XXXX  updates the Date Reported to a current date in XXXX, unlawfully re-aging the public record and making it appear newly reported. Public records may not be refreshed or re-aged due to consumer disputes. 

Additionally, XXXX  has verified a discharged bankruptcy that reflects an incorrect Date Filed, which does not match the official court record. Verifying factually inaccurate information violates XXXX duty to ensure maximum possible accuracy. 

XXXX  also failed to conduct a reasonable reinvestigation. One reinvestigation was completed in approximately three days, indicating automated processing rather than a meaningful investigation. Despite my written requests, XXXX  failed to provide a lawful Method of Verification, offering only vague references to LexisNexis without identifying who verified the information, how it was verified, or what documentation was reviewed. LexisNexis did not respond to my direct dispute, and courts do not verify credit reporting data. 

XXXX continued conduct violates 15 U.S.C. 1681e ( b ) and 1681i. Because XXXX  has demonstrated an inability to report these public records accurately and lawfully, I am requesting that the CFPB require XXXX  to permanently delete both bankruptcy public records from my credit file.

Company response to consumer: Closed with non-monetary relief