vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife had deposit {$3200.00} cash on ATM Wells Fargo XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX at XXXX and the money not go through her account. We were asked the evident video, and Wells Fargo respond with the partial video not the full video during the time she been there. There is XXXX XXXXXXXX has investing this case and Wells Fargo did not co-operate with this XXXX, is this the way they treat their XXXX  years customer, lost money on their property while using their service? And now they tried to denied on our effort also the law enforcement? What a shame?

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 2025-12-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Re : Request for Account Information Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am the consumer identified above. I dispute the accuracy, ownership, and completeness of the account listed below. This dispute is submitted through the CFPB pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 1681i ( reinvestigation duties ), and 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ( furnisher investigation duties ). 
The account is being reported with materially inconsistent and misleading information, including but not limited to conflicting dates, improper account status, failure to accurately reflect transfer or sale of the account, and failure to report the account as disputed across consumer reporting agencies. 
Supporting authorities include : Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs and furnishers must conduct a reasonable investigation and can not merely parrot prior reporting ; Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) failure to report a bona fide dispute is materially misleading ; Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) furnishers are liable for failure to investigate and correct inaccurate information after notice ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) accuracy and reasonableness are jury questions where conflicting records exist. 
As shown in the attached highlighted credit-report screenshots, the tradeline contains internal inconsistencies such as : Conflicting Dates of First Delinquency and Date Reported across bureaus ; Reporting a collection or charge-off status while simultaneously reflecting a zero balance or inactive status ; Failure to properly reflect transfer or sale using correct Account Status and Special Comment codes under XXXX XXXX standards ; Failure to apply the XB dispute code during an active investigation. 
I formally request that the furnisher provide documentation within XXXX  days, including : Full chain of title and assignment ( purchase agreement, bill of sale, schedules ) ; The contractual basis for the claimed balance ; A complete itemized accounting ; Business records showing the true Date of First Delinquency and Date of Last Payment. 
If the furnisher can not produce this documentation, continued reporting constitutes willful or negligent non-compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
SENT DISPUTE LETTER OVER XXXX DAYS AGO FOR VALDIATION OF DEBT- NEVER RECEIVED. WHICH IS A VOILATION OF MY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2025-12-15 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:
I am disputing the following accounts and inquiries as inaccurate or unverifiable on my TransUnion credit report. I request a proper reinvestigation and correction. 

Charged Off AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Each account shows a charge-off but reflects inconsistencies in balance and dates. Please provide full verification or remove if inaccurate. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please provide evidence of permissible purpose or remove. 

Late Payments XXXX XXXX Bank Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GSFA Servicing Acct XXXX XXXX XXXX XXXX Requesting verification of accuracy. Please remove if unverifiable or incorrectly reported. 

Previous Address Please remove or update outdated address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: NC

Complaint narrative:
My apartment complex, XXXXXXXX XXXX  XXXX XXXX in XXXX, TX, sent an inaccurate collection account to Innovative Recovery and XXXX XXXXXXXX XXXX. They claim I failed to give proper notice, but I provided written 60-day notice on XX/XX/year>. The property manager acknowledged my notice in multiple emails, confirmed my notice date as XX/XX/XXXX, requested my forwarding address to " place me on notice to vacate, '' and confirmed rent would be prorated. I vacated on XX/XX/year> and paid rent through the notice period. 

Despite this, the company is attempting to charge {$6700.00} in " improper notice '' fees. The debt is inaccurate, and both " XXXX XXXX '' and " Innovative Recovery '' are reporting it on my credit report. 

This violates FCRA because the information is inaccurate, and the FDCPA because the collector continues attempting to collect a debt I have disputed with documented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
This account is not on the other 2 bureaus. Kinum Inc. for DASA Property, {$7100.00}, XXXX. I want the collection removed immediately. Due to FCRA codes, 611 ( a ) ( 2 ) ( B ) ; 609 ( a ) ( 1 ) ( A ) ; 6021 ( A ) ; 623 ( a ) ( 3 ) ; 623 ( b ). I have disputed this collection several times with Experian, it has never appeared on the other two bureaus. I have zero collections on the other 2 bureaus. Experian refuses to remove the account. This reporting has caused major hardships in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting.

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

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 2025-12-15 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-15 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:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment.

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-15 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: NC

Complaint narrative:
I am disputing inaccurate and unverified information appearing on my Experian credit report. Experian is required under the FCRA to ensure maximum possible accuracy, which has not been met for the items listed below. 

Charged-Off Accounts ( Disputed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Home Depot uses Citibank for its in-house credit cards. In the past, you were able to log into your account to set up your payments to allocate any additional amount paid above the minimum payment amount to a promotional balance, so that you could pay the promotional balance off before the expiration of the promotional time limits. Example : you make a {$700.00} purchase that is described as interest-free if paid off within XXXX months. So my minimum payment amount is {$95.00} for this month. I pay {$200.00}, so {$95.00} goes towards the balance, and the remaining {$100.00} would be applied to the promotion, paying it down. After receiving a letter stating my promotional balance is expiring and I haven't paid anything towards that, I called Citibank. I had to pry it out of them that the specific function allowing customers to set that up has been turned off online. So now, instead of the excess payments I have been making over the last 6 months to pay that promotional balance down, they are not being applied. They were able to take the extra from the last XXXX payments ( which were down from the prior XXXX months due to holiday cash flow ). But now I am going to have to pay the interest accrued over the last XXXX  months because I won't have enough to pay off the rest of the promotional balance before it expires. This is unfair business practices and deception, in my opinion. I am sure there are thousands of other consumers dealing with the same problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This was reported to my credit by XXXX part without my permission under Section code 15 usc 1692g. Need to be removed and file a complaint with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
I had over XXXX dollars left in my account on XXXX XXXX XXXX. Today I checked it XX/XX/year> its only XXXX dollars left and some change I did not purchase anything so I think XXXX took my money! Meaning they took XXXX dollars from my account without telling me and what reason they did so. I have screenshots of my transactions and I subtracted them myself from the day I received my direct deposit and I should have XXXX left to spend for myself. This has really upset me and my birthday is coming up in a few days and I have no money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

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 response to consumer: Closed with non-monetary relief