vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding my banks improper handling of a disputed transaction. The bank reversed my provisional credit under Ref XXXX XXXXXXXX despite clear evidence that the charge was unauthorized, refundable, and tied to a service that was never provided. 

Facts : The merchant explicitly stated that the charge was an automatic system charge, not a manually authorized payment. 
Quote from the merchant : The charge charges automatically if theres no incoming payments. 

This proves that I did not authorize the transaction under XXXX XXXX requirements. 

The merchant confirmed that the charge was refundable, stating : If youd like I can refund the card once you send XXXX : ) This clearly indicates the payment was not intended to be a completed sale. 

No service was performed for this transaction. 
Multiple messages from the merchant confirm that their cleaners did not arrive, the appointment was rescheduled, and ultimately no cleaning occurred. I received no goods or services in exchange for this charge. 

The merchants failure to perform the service and their own acknowledgement that the charge should be refunded qualifies this transaction as unauthorized, invalid, and unearned. 

Despite submitting this evidence, my bank reversed the credit without addressing any of the documentation showing the lack of authorization and lack of service.

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 2025-12-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute and Request for Investigation of Collection Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing a collection account that currently appears on my credit report. 
I do not recognize this account and believe it has been reported without proper authorization or verification. Accordingly, I request an immediate investigation and, if appropriate, the removal of this account from my credit file in compliance with federal law. 
Important Notice : I have already exercised my rights under the FDCPA by sending a written validation request directly to the debt collector regarding this account. A copy of that letter is attached for your review. To date, I have not received proper validation of this debt. Therefore, maintaining this account on my credit report without supporting documentation may constitute a violation of the FCRA and FDCPA. 
Legal Basis : As highlighted in XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ), furnishers of information are required to conduct a reasonable and accurate investigation once a consumer dispute is raised. Failure to do so may result in a violation of the FCRA. Under Section 623 of the FCRA, furnishers are obligated to report only accurate and verifiable information. 
Furthermore, Section 807 of the FDCPA prohibits debt collectors from using false or misleading representations in connection with the collection of a debt. 
Requested Documentation for Validation : XXXX. Proof of responsibility XXXX signed contract or original agreement confirming my obligation to pay. 

XXXX. Breakdown of charges A detailed itemization of fees, interest, and payments applied to the account. 
XXXX. Details of the debts transfer The name of the entity that acquired the debt, the date of transfer, and the balance at that time. 
XXXX. Proof of authority Legal documentation confirming the reporting entitys authorization to collect or furnish this debt. 

If this account can not be fully validated in compliance with the FCRA and FDCPA, I request its immediate deletion from my credit report. Reporting unverifiable or inaccurate information may constitute a violation of these laws, and I reserve the right to pursue all remedies available under federal and state law. 
Please provide the results of your investigation in writing within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  XXXX breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6300.00} Legal Basis for My Dispute XXXX. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within XXXX  days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
XXXX. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The XXXX  data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law XXXXXXXX XXXX XXXX Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold XXXX  and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o. 
Reporting your non-compliance to state Attorney XXXX offices, as consumer protection laws vary by state.

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 2025-12-01 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: AZ

Complaint narrative:
I am following up on a previous complaint I filed regarding several late payments being inaccurately reported on my credit file. I submitted documentation and explanations showing that these reports were incorrect and requested a proper reinvestigation, yet the same late payment entries remain. It feels as though my evidence and concerns were not given the attention they deserved, or that my case was prematurely closed without full review. 

These inaccuracies continue to harm my creditworthiness and misrepresent my payment history, painting an unfair and inaccurate picture of my financial reliability. XXXX  always taken my credit obligations seriously, which is why this situation has been so deeply frustrating. I understand that the Fair Credit Reporting Act requires that every piece of information reported be accurate and that furnishers and bureaus alike maintain procedures to ensure that accuracy. When that doesnt happen when errors persist after a legitimate dispute it leaves consumers like me powerless, with no choice but to keep asking for what should have already been corrected.o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies on my credit report. Below are the details of the accounts in dispute, separated by each credit bureau. 

CHARGED OFF XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$6000.00} XXXX XXXX  XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX : XXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX : XXXX, XX/XX/XXXX, {$7600.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$69000.00} LATE PAYMENTS EQ : XXXX : XXXX XXXX  XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
Lost my phone and wallet. someone hacked my account deleted my devices and passkeys and sent all my money that was in chime to themselves. i contacted chime immediately they opened a dispute but XXXX hours later they denied it saying it could have been me that did it. i filed claims with the FDIC as well in regards to chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: TX

Complaint narrative:
Klarna is attempting to collect a balance on a loan even though the merchant already issued a refund. I made a purchase through Klarna XX/XX/XXXX and paid about {$37.00} toward a total of roughly {$120.00}. The merchant refunded on XX/XX/XXXX {$110.00}, but Klarna incorrectly sent the refund to my Klarna balance instead of applying it to the loan. 

Because of Klarnas internal error, they now claim they can not close the loan and are still trying to make me pay the remaining amount ( around {$82.00} ). This is money that has already been refunded and should legally be applied to the loan balance. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1666 ) and CFPB rules against UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ), a lender must properly credit refunds to a borrowers account. A creditor can not require a consumer to repay an amount that has been refunded due to the creditors own processing error. Failing to apply a refund is considered misapplication of payments and is prohibited. 

I contacted Klarna multiple times, and they refused to fix the error. They acknowledged the refund but still insist on keeping the loan open and collecting payments anyway. Since they are refusing to follow the law, I am forced to report it here. 

I am requesting that Klarna be required to apply the refund to the loan balance and close the loan, with no further payments owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This account is showing from XXXX, reporting one late pay inaccurately also I do not recognize this account.

Company states there in no data in their files and with my information so it is clear this should be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The credit reporting agencies continue to report inaccurate information regarding multiple accounts on my credit report, despite my previous attempts to dispute these errors directly with them. The accounts in question include inquiries and reporting from the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have contacted the reporting companies multiple times, requesting verification and investigation of these accounts. They have either failed to provide the requested information or provided generic responses that do not confirm the accuracy of the reported data. The inaccurate information remains on my credit report, causing potential harm to my creditworthiness. 

I request that the CFPB communicate with the credit reporting agencies to ensure that proper procedures under the Fair Credit Reporting Act ( FCRA ) are followed, that the companies provide documentation supporting their reporting, and that any inaccurate or unverifiable information be removed immediately.

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 2025-12-01 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 account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Summary : Wells Fargo blocked XXXX of XXXX refunds XXXX attempted to process to my closed card, leaving me without resolution. 
Details : XXXX. Refunds Blocked : XXXX attempted XXXX refunds to my old Wells Fargo card. Wells Fargo confirmed only XXXX were honored ; XXXX did not go in my favor. This leaves me short a refund despite Adobes documented attempt. 
XXXX. Lack of Documentation : Wells Fargo refused to provide a screenshot or transaction record, stating I must wait until my next statement after XX/XX/XXXX. This prevents me from verifying the blocked refund in a timely manner. 
Conclusion : Wells Fargos refusal to honor XXXX of the XXXX refunds and failure to provide documentation demonstrates mishandling. I request CFPB review of Wells Fargos handling of credits to closed accounts and resolution of the missing refund.

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