vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: MD

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 2025-08-25 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint against Chime Financial for failing to return {$270.00} that they acknowledged was owed to me. 

On XX/XX/year>, I submitted a dispute regarding a debit transaction. On XX/XX/year>, I received a written notice from Chime ( Claim ID : XXXX, Account ending in XXXX ) stating that their investigation concluded an error occurred. The notice explicitly says the merchant issued a credit of {$270.00}, that Chime considered this credit permanent, and that they had reversed any applicable fees. 

Despite this written promise, the {$270.00} has not been returned to my account. I have contacted Chime for resolution, but they have failed to release my funds. This has caused me financial hardship, as I rely on this money for my expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately 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 XXXXXXXX XXXX XXXX XXXX XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately 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 XXXXXX/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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing Capital Ones reporting of an alleged account ending in XXXX. On XX/XX/year>, I first requested clarification of this account. On XX/XX/year>, I sent a formal written dispute with my credit report attached, and on XX/XX/year>, I escalated my demand citing the Fair Credit Reporting Act ( FCRA ). 

Despite these submissions, Capital One has continued to send me nearly identical form letters ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ) demanding the same redundant information they already have in their records ( last 4 of SSN, copies of their own letters, credit report ). This is a stalling tactic and violates FCRA 1681i, which requires a prompt and reasonable reinvestigation within XXXX  days. 

Capital One has not provided : A signed original agreement or contract ; Complete payment history ; Proof of its legal right to furnish this account to credit bureaus ; Documentation of ownership/chain of title if the account was transferred or sold. 

By failing to provide this validation and instead repeating document requests, Capital One is obstructing the dispute process and continuing to report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Unauthorized Duplicate Posting of a Check On XX/XX/XXXX, my wife wrote check # XXXX in the amount of {$1300.00} payable to XXXX XXXX for yard cleaning services. This check was properly posted to our account on XX/XX/XXXX, and payment was completed. However, on XX/XX/XXXX, Wells Fargo erroneously posted the identical check to our account a second time, resulting in an improper duplicate charge of {$1300.00}. This duplicate posting was discovered by our tax preparer on XX/XX/XXXX, and we immediately filed a claim with Wells Fargo customer service on XX/XX/XXXX. Wells Fargo has improperly denied our claim through correspondence dated XX/XX/XXXX, and XX/XX/XXXX, citing inapplicable regulations and demonstrating a fundamental misunderstanding of the legal issues involved.

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 2025-08-25 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-25 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I am disputing a collection account reported by XXXX, Account # XXXX This account is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the furnisher and credit reporting agencies must ensure all reported information is accurate and complete.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), I have requested the collector to cease communication and validate the alleged debt. To date, they have failed to provide proper validation, yet continue reporting and attempting to collect. 
I request the CFPBs assistance to ensure this collection is deleted from my credit file unless full, verifiable documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation regarding auto account. On XX/XX/year>, I submitted a payment coupon, endorsed Accepted for Value Exempt from XXXX on behalf of the XXXX XXXX XXXX XXXX, for settlement and closure of the account. A copy of the tender coupon is attached. On XX/XX/year>, Credit Acceptance responded by letter acknowledging receipt but unilaterally rejecting the tender as not valid without citing any statutory or contractual basis. Their refusal disregards my consumer rights and obligations under the Uniform Commercial Code. Under UCC 3-603 ( b ), refusal of a lawful tender of payment constitutes discharge of the obligation to the extent of the tender. By refusing without justification, Credit Acceptance has engaged in unfair practices and left the account unresolved contrary to law. I respectfully request that the CFPB : - Investigate Credit Acceptances refusal to accept tender.- Compel them to provide statutory or contractual authority for their rejection.- Facilitate settlement and proper adjustment of the account. Sincerely,

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank : Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Phone : XXXX ( XXXX ) I tried placing an order with the aforementioned merchant and the transaction did not go through due to payment verification. After contacting myself to XXXX XXXX it was confirmed that there was not order or any other confirmation for this unsuccessful transaction. When I check my Bank of America account I did see the charge, so I called them and spoke to an agent and supervisor in the call center. I was advised to wait till the transaction posted. On XXXX XX/XX/year> I had to call again and spoke to another supervisor who made a Three-way call with XXXX XXXX where it was confirmed that there was not such purchase and there was no order for the {$360.00} or any other recently. My last order with them was from XX/XX/year>. This last supervisor, based in XXXX, advised me that she was creating the claim and putting a stop payment of the account to prevent any glitch or any other later purchase. My claim was claim was closed. I was advised today that the resolution of the investigation was that the funds had been deducted from my account. I asked to escalate this but all I get is another lead from the Call Center Customer Service/ I have attached here the transaction history of my account with XXXX XXXX and my account with Bank of America is supposed to be detailly noted, as I heartly asked for that to each supervisor I spoke with. I believe that Bank of America besides having a terrible customer service has failed to protect me as a customer and has not applied due diligence in whatever, if any, investigation they did.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I started a dispute in my Bank of America account and couldnt find the information I requested in time for the dispute team and they wouldnt let me try to dispute it after I got the information needed. I was out of rent and bill money for XXXX  months

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 2025-08-25 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-25 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete account XXXX XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal 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 explanation
Consumer complaint received 2025-08-26 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:
I am writing to formally address the multiple unauthorized inquiries that continue to appear on my credit report. These inquiries are fraudulent and raise serious concerns about potential identity theft, as I have not applied for new credit or given consent for these companies to access my information. Despite previously disputing them, they remain on my report, which is unacceptable and damaging to my credit standing. This ongoing issue is not only creating unnecessary stress and anxiety but also undermines the security of my personal information.

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 2025-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I never resided at this location. This is fraudulent, requested multiple times for this debt to be removed from credit report.

-Coulmbia Debt. dba Genesis ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding unauthorized XXXX debits from my personal bank account, linked to a loan account belonging to my estranged spouse. ( XXXX XXXX ) On multiple occasions in XXXX and XX/XX/year>, funds were withdrawn from my account to pay on an account at XXXX XXXX. I did not authorize these payments. Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. and Regulation E ( 12 CFR Part 1005 ), banks are required to provide information about disputed electronic fund transfers, including confirmation of authorization, and to conduct a prompt and thorough investigation of unauthorized transactions. 
When I called XXXX XXXX  : XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) refused to provide confirmation details of the transactions ( authorization method, confirmation number, or card/account information used ). Instead, he repeatedly told me to place my estranged spouse on the line, effectively obstructing my attempt to dispute transactions made from my account. 


XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) stated that my spouse authorized a payment plan by phone on XX/XX/year>, for payments due XX/XX/XXXX and XX/XX/XXXX. However, she dismissed my concerns about earlier debits from XXXX and XXXX that cleared from my account, claiming they were not a concern. This is inaccurate, as under the Uniform Commercial Code ( UCC 4A-204 & 4A-202 ), and Regulation E 1005.11, the bank has strict liability to verify authorization and investigate any disputed transfers. 


Improper Treatment : The supervisor was rude, dismissive, and demeaning during the call, even attempting to end the call by saying bye rather than addressing my concerns. This is unacceptable customer service, especially given the sensitive nature of my situation ( a divorce in which I was the victim of financial control ). I should not be further victimized or spoken to in such a disrespectful manner when I am reporting unauthorized transactions. 


My Requests : A full investigation of all XXXX debits from my account in XXXX and XX/XX/year> linked to this XXXXXXXX XXXX XXXX 


Copies of any authorization records ( including voice authorization, written authorization, or electronic confirmation numbers ) for each debit. 


Reimbursement for any unauthorized transactions, immediately. 


Review of the recorded calls to confirm the unprofessional and demeaning conduct I experienced. 


Compensation for the mistreatment I endured as a customer seeking to resolve a valid dispute. 


Confirmation that XXXX XXXX  has updated its training and compliance procedures to ensure proper handling of Regulation E disputes going forward. 


XXXX XXXX  refusal to provide information and investigate is a violation of my rights under federal law, and the way I was treated by its representatives further compounded the harm.

Company response to consumer: Closed with explanation