vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Kovo
State: FL

Complaint narrative:
I enrolled in Kovos credit boosting service. When I got a feel for how difficult it was make changes to due dates and became aware that there was no satisfactory way to contact customer service especially in timely manner, I felt it was untrustworthy and attempted on many occasions to not only notify them that my card on file was cancelled due to fraud but that I also wanted to cancel my account. They took an absurd amount of time to respond to my email, ( since leaving a request through their app based portal is the only method of contact, ) but also didnt provide a phone number as requested and didnt honor my request. They didnt even acknowledge it. They kept attempting to charge my old card and then hit my credit with numerous late payments tanking my credit score in the midst of an important time Im applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 explanation
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
The following accounts are fraudulent 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 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 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 2025-10-24 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: CO

Complaint narrative:
XXXX has XXXX XXXX  for the amount {$900.00} XXXX XXXX {$400.00} This was fraud and i would like to dispute. 
I would like these off my credit report.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft / fraud. The following accounts on my credit report are inaccurate, fraudulent, or were never authorized by me : 1. 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 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 2025-10-24 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: CA

Complaint narrative:
I am a victim of identity theft / fraud. The following accounts on my credit report are inaccurate, fraudulent, or were never authorized by me : 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I had a Chime account, & on XX/XX/year> I woke up to so many transactions that were made on my checking account. All of the of course were unauthorized. All the transactions were sent to XXXX different XXXX XXXX names. The total amount is {$9900.00}. I called Chime immediately and told them everything and they started a claim to dispute the transactions. I cancelled my debit card. On XX/XX/year> I noticed that Chime did not dispute all the transactions so I called and told them that they missed some of the unauthorized transactions. So another claim was opened. I received a email from Chime denying both my claims. No reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I regularly review my credit report because maintaining a strong credit score is important to me, but I continue to find multiple inaccurate and false accounts being reported. This has been an ongoing issue that has not been corrected despite my previous efforts to address it. Its incredibly stressful, exhausting, and has had an unfair negative impact on both my life and my credit standing.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My creditor Westlake Financial XXXX XXXX  violated the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ) and Regulation Z ( 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ) ) by failing to send billing statements at least 21 days before the payment due date. This prevented me from having adequate time to review and make payments. The creditor also reported inaccurate payment information, which qualifies as a billing error under TILA 1666 ( b ). I am requesting that the CFPB investigate and require the creditor to correct these violations and ensure full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I am a victim of identity theft / fraud. The following accounts on my credit report are inaccurate, fraudulent, or were never authorized by me : 1. 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 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 2025-10-25 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: OH

Complaint narrative:
TransUion is reporting account may not belong to me I have sent them letter s it krrp come back as verified XXXX letter ask for how did you verified the account shows charge off never sent account or billing to this addtess the bussiness is no long i bussines the account was take over by XXXX XXXX on the credit infor no original account what goods were sold no information this looks like fraud or some one uad the account with out me know it never came to this address.

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 2025-10-24 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: WA

Complaint narrative:
This dispute is not a mistake. My credit report contains inaccurate entries that have harmed my credit and caused ongoing emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My debit card was compromised last week and I canceled the card and ordered a replacement within 6 hours of being notified of the transaction. Ive now been waiting for 10 business days for my replacement and just learned that the card was not shipped until 6 days after requesting the new card. Theyve not offered me a single option to access my money and Ive been having accounts cancelled, bills unable to be paid and no way of getting gas to go to and from work. Every attempt to get help from a customer service agent has resulted in no progress. The financial institution is Truist Bank

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
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 2025-10-24 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: VA

Complaint narrative:
I am filing this complaint against all three credit reporting agencies ( Equifax, TransUnion, and Experian ) pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

DATES AND TIMELINE : Initial discovery of inaccurate information : [ Date to be specified ] Disputes filed with all three bureaus : [ Dates to be specified ] Follow-up communications : [ Dates to be specified ] DETAILED DESCRIPTION : All three credit reporting agencies are reporting inaccurate information on my credit report that does not belong to me. This information appears to be the result of identity theft or error. Despite filing formal disputes with each bureau pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), which requires reasonable investigation within 30 days, the bureaus have failed to properly investigate and remove this inaccurate information.

The inaccurate information includes : - [ Specific accounts/information to be detailed ] - Information that I have no knowledge of and did not authorize - Accounts that are negatively impacting my credit score and creditworthiness STATUTORY VIOLATIONS : The bureaus ' failures constitute violations of : 1. FCRA 1681e ( b ) - Duty to follow reasonable procedures to assure maximum possible accuracy 2. FCRA 1681i - Requirements for reinvestigation of disputed information 3. FCRA 1681c - Requirements relating to information contained in consumer reports PREVIOUS DOCUMENTATION : I have maintained comprehensive records of all communications, including : - Certified mail receipts for dispute letters sent to all three bureaus - Copies of dispute letters with detailed explanations - Any responses received from the bureaus - Documentation proving the information is inaccurate - Police reports ( if applicable for identity theft ) DOCUMENTED HARM : This inaccurate reporting has caused me : - Denial or limitation of credit - Higher interest rates on existing or potential credit - Damage to my reputation and creditworthiness - Emotional distress and time spent attempting to resolve this matter - [ Other specific damages ] REGULATORY CONTEXT : The CFPB has supervisory authority over credit reporting agencies under the Consumer Financial Protection Act. The bureaus ' systematic failure to properly investigate disputes represents a pattern of non-compliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I dispute these accounts as fraudulent, as I have no connection to them. Please investigate and ensure their removal. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: SC

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 2025-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I saw a fraudulent charge of {$6000.00} that I did not authorize my card was lost and I filled out a claim and Wells Fargo doesnt want to reimburse me for the fraudulent charges. The company keeps denying my claims and they send me letters with no information. They are giving me the run around. I never authorized the charge.

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 2025-10-25 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and unverifiable information on my credit report, which are being reported by various financial institutions and are negatively impacting my creditworthiness. Despite my attempts to resolve these issues directly with the creditors and reporting agencies, the errors persist. 

The following are the discrepancies I have identified : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The address listed is incorrect and does not reflect my current residence. 

Incorrect Account Information / Charge-Offs XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXX, Opened XX/XX/XXXX, Balance {$510.00}, Charge-Off ) XXXX XXXX XXXX ( Account ending XXXX, Opened XX/XX/XXXX, Balance {$19000.00}, Charge-Off ) These accounts are inaccurately reported. I dispute the validity of these charge-offs as I have never received proper notification or verification, and the balances and reporting dates appear incorrect. 

Unverified Inquiries : XXXXXXXX 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 These inquiries were made without my authorization and are therefore unauthorized and potentially fraudulent. 

Requested Action : I request that the CFPB : Investigate the reporting practices of these creditors. 

Ensure that all inaccurate, unverifiable, or fraudulent information is removed or corrected immediately. 

Confirm that my credit report reflects only accurate and verifiable information in accordance with the Fair Credit Reporting Act ( FCRA ). 

The reporting of inaccurate information has caused and continues to cause significant damage to my credit profile, financial reputation, and access to credit. I urge the CFPB to take swift action to address these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report is showing late payments even though the account has been paid in full.

Company response to consumer: Closed with non-monetary relief