vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Data Breach XXXX XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX, I experienced a late payment on my Wells Fargo credit card due to technical issues with their online platform that prevented me from making timely payments. This incident has negatively impacted my credit history, and despite multiple attempts to resolve the matter, Wells Fargo has refused to remove the late payment reporting. 

During XXXX, I was relocating between states during the XXXX pandemic. During this period, Wells Fargo 's online payment system experienced technical malfunctions that prevented me from accessing my account to make payments on my credit card. 

To demonstrate that this is an ongoing systemic issue, this same issue occurred today, XX/XX/XXXX, showing similar technical problems affecting millions of customers ' ability to pay their credit cards. The current widespread outage supports my claim that the XXXX incident was due to Wells Fargo 's system failures, not my negligence. 
When I discovered the late payment, I immediately paid off the affected card ( which was only two years old at the time ) in full, totaling approximately {$4500.00}. However, Wells Fargo transferred this balance to my main card.

I have submitted multiple dispute letters to Wells Fargo requesting removal of this late payment, but they have not honored my requests. Instead, I received correspondence about unrelated matters that did not address my actual concern.

This single late payment the only one in my credit history has significantly damaged my credit score. Prior to this incident, I maintained an excellent payment history, including throughout my time as a student. I have never defaulted on any obligation and consistently pay my bills even when experiencing financial constraints. 

I am requesting that Wells Fargo remove the late payment reported in XXXX from my credit report with all three credit bureaus, as it resulted from their system failures rather than my failure to pay. 

Wells Fargo was my first bank account, and I have maintained a long-standing relationship with the institution. I also took out a {$40000.00} loan with Wells Fargo paid back in full. Despite this history, the bank has shown no willingness to work with me on resolving this issue or acknowledging their system 's role in causing the late payment. 

The emotional toll of this situation has been severe. I experience significant XXXX even when I need to contact Wells Fargo or interact with the institution.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized access, theft, and subsequent mishandling of my fraud disputes related to my Chime credit, checking, and savings account. Despite my immediate reporting of the incident while it was actively occurring, Chime failed to secure my account or return my stolen funds. 

On XX/XX/year> my Chime account was hacked. During this breach, both my email address and phone number were changed without my authorization, effectively locking me out of my own account. I contacted Chime immediately while the fraudulent activity was still happening to report the unauthorized access and request that the account be frozen. 

Despite my prompt notification, my entire Social Security check was stolen from my savings account only hours after it was deposited. The funds were transferred via Chime Pay ( P2P transfers ) and to third-party cryptocurrency platforms including XXXX and XXXX, neither of which I have ever used or authorized any transactions with. 

I filed disputes with Chime, but they were wrongfully denied, even though the transactions clearly meet the criteria for unauthorized electronic fund transfers under Regulation E ( 12 CFR 1005 ) of the Electronic Fund Transfer Act.

Under Federal Regulation E, financial institutions are required to investigate, correct, and refund unauthorized electronic transactions when the customer reports the issue promptly which I did. Chimes refusal to return my stolen funds not only violates these consumer protections, but has caused severe financial and emotional hardship, as this was my only source of monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

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 id-entity 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 complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

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 id-entity 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 complete and accurate.

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 2025-10-31 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate and unverifiable address that is being reported on my credit file by one or more credit reporting agencies. The address in question is : XXXX XXXX, XXXX, IN XXXX I have no connection, residence history, or association with this address whatsoever. I have never lived at, used, or been linked to this location, and therefore it should not appear anywhere on my consumer credit report. 

This inaccurate address is a serious violation of the Fair Credit Reporting Act ( FCRA ) because it reflects false and misleading information that can negatively impact my creditworthiness and personal security. The continued presence of this unverifiable address suggests negligent data handling by the credit reporting agency and possibly by furnishers who have failed to verify my accurate identifying information. 
I have already attempted to dispute this item directly with the credit bureau ( s ), but the information has not been properly corrected or deleted. I am now seeking CFPB intervention to ensure this issue is thoroughly investigated and resolved.

I request that the CFPB require the credit bureau ( s ) involved to : Conduct a full reinvestigation of this address and provide documented verification.

Delete this incorrect address from my credit file if it can not be fully verified with legitimate documentation.

Provide me with written confirmation once the deletion is completed.

I am attaching copies of my identification and proof of current address for verification purposes.

Thank you for your attention to this matter. I expect a timely and thorough investigation in accordance with FCRA Section 611.

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 2025-10-31 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. Under this statute, if I report to you that an account is fraudulent in nature, you are required to remove it from my credit report within a reasonable time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
On XX/XX/year> I reached out to an attorney to help me consider filing bankruptcy due to the massive debt from the eviction on my record. As we went through my eviction, I found out that the eviction debt in the amount of {$9800.00}, was dismissed without prejudice by the Apartment company I lived in on XXXX XXXX. On XX/XX/year>, I reached out to consumer collection management. The agency that the eviction case was passed on to, to communicate and let them know that my case was dropped and dismissed by the apartments themselves. I was told that I would still have to pay for damages and even provided proof through email after the phone call, and they proceeded to ignore what was sent and sent me back my lease agreement with the apartments which has nothing to do with me at the point in time. Since then they have falsely kept updating my credit account that the eviction is still active and owed. Per legal advice, I was told to file an expungement and the courts would removed the case filed from under my name which they did do nothing no longer pops up when my name is searched through records. As of today, XX/XX/year> Ive sent out proof that they can not find it in records resent the case of dismissal and they still refuse to take it off my credit and claims that it is documented. 
This inaccurate reporting has caused significant harm to my credit standing, emotional distress, and barriers to obtaining new housing. Despite providing verified documentation that the case was dismissed and no longer exists in court records, both XXXX  and Consumer Collection have continued to report this unverifiable eviction. Their actions violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). The debt companys name is Consumer Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
my car loan was transferred to TRUIST BANK from XXXX XXXX  as they sold all car loans to this bank. I have had absolutely nothing but problems since day 1. I immediately get a call from COLLECTIONS 3 days after finding out my loan got switched to Truist. Truist has done nothing but harass me on late payments when i have PROOOF of payments always been paid ON TIME and never late. XXXX had to fix this with them because they kept calling me stating that they had sent me to collections after paying all payments on time. The very next month COLLECTIONS calls me AGAIN the day BEFORE my payment was even due. I had paid XXXX a whole week earlier than my due date. I still pay XXXX as they stated they can accept my payment and transfer it over until the end of XX/XX/XXXX, and there is no Truist in my state. I absolutely do not want to keep my business with this very unprofessional bank. I then refinanced my car with a new bank. The new bank refinancing my car says they need a copy of the title to complete the refinance. The new bank had reached out to Truist to complete this final step. Truist is refusing to comply with the bank i refinanced with, Truist told them I would have to reach out to them to get this information. Today, XX/XX/XXXX i called Truist to get a copy of the title. The extremely rude superviosor from Truist said that the ONLY way they could send the title to the bank is through the mail. He said he had put a request to send it via mail and it will arrive in 7-9 business days. I then called back to MAKE SURE that request is done as the bank is waiting for the copy of the title. The next supervisor i spoke with then told me that they dont even have a title. I called XXXX and they had verified they sent the title to Truist weeks prior. Supervisor from Truist said they dont have it and request was never made. So now I have no title and i am unable to refinance the car because Truist refuses to give me or the bank a copy of my title. This bank needs to be shut down. Ive never experienced so much stress in my life from a bank. Truist told me that the banks dont even need a copy of the title and to figure it out. I want this to be escalated to the highest. I will NEVER do business with Truist. EVER!!!! I just want my loan refinanced but Truist is making it IMPOSSIBLE by withholding my title and giving me false information every single time i speak to someone.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-31 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-31 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: 1803 Capital, LLC
State: TX

Complaint narrative:
Equifax has intentionally breached an agreement to permanently remove & block this account that is falsely reporting information without my knowledge & or consent. This name of that company is 1803 Capital LLC XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Im unconnected to these accounts ; delete them within 15 days as outlined in USC 1681g.

Company response to consumer: Closed with non-monetary relief