vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I am submitting this follow-up regarding my previous complaint and formal dispute under the Fair Credit Reporting Act ( FCRA ). Despite my written notice to the credit reporting agencies concerning multiple inaccuracies on my report, I have not received satisfactory proof of investigation or correction within the required timeframe under FCRA 611 ( a ) .The disputed items include inaccurate personal identifying information ( incorrect name : XXXX XXXX XXXX XXXX, misreported and duplicated charge-off accounts ( including XXXX XXXX, XXXX, XXXX, CITIZENS XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and unauthorized hard inquiries ( ALLY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These errors violate FCRA 602 ( a ), 605 ( a ), 607 ( b ), and 623 ( a ) ( 5 ), which mandate maximum accuracy, proper verification, and prohibition against unverifiable or outdated negative reporting.I have exercised my right to dispute these items directly with the bureaus, but they continue to appear without valid documentation or reinvestigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I am submitting this follow-up regarding my previous complaint and formal dispute under the Fair Credit Reporting Act ( FCRA ). Despite my written notice to the credit reporting agencies concerning multiple inaccuracies on my report, I have not received satisfactory proof of investigation or correction within the required timeframe under FCRA 611 ( a ) .The disputed items include inaccurate personal identifying information ( incorrect name : XXXX XXXX XXXX XXXX, misreported and duplicated charge-off accounts ( including XXXX XXXX, XXXX, XXXX, CITIZENS XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and unauthorized hard inquiries ( ALLY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These errors violate FCRA 602 ( a ), 605 ( a ), 607 ( b ), and 623 ( a ) ( 5 ), which mandate maximum accuracy, proper verification, and prohibition against unverifiable or outdated negative reporting.I have exercised my right to dispute these items directly with the bureaus, but they continue to appear without valid documentation or reinvestigation results

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Refuse to move inaccurate information off my credit, nor was I sent validation showing that this account had been validated. XXXX stated that XX/XX/XXXX days late XXXX and XXXX. After making all of my payments on time all of a sudden in XXXX I could not use the same bank account that I had been using since I obtained the loan. It took many customer service Representatives and lastly a XXXX to fix how to make XXXXXX/XX/XXXX payment XXXXXX/XX/XXXX payment was made on XX/XX/XXXX as you can see what's my last payment I had XX/XX/XXXX days to make the XX/XX/XXXX payment, and it was paid on XX/XX/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 2025-10-20 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: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/year> national credit system put XXXX on my credit and I have been asking them for a written verification with my signature on it that I owe them for the debit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card was being overdrawn and put in the negative because it was paying for something I purchased XXXX time I kept putting money in to keep my account out of the negative but it kept taking it out now my account has been closed since XX/XX/year> due to them thinking it was fraudulent activity

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 2025-10-19 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:
After thoroughly reviewing my credit report, I discovered a fraudulent account and unauthorized inquiriesnone of which I authorized or initiated.

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 2025-10-19 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: Chime Financial Inc
State: OH

Complaint narrative:
I made 6 transactions totaling {$670.00} to XXXX XXXX XXXX. For my kids school field trips that were set to leave XX/XX/XXXX and was canceled by the owner of the XXXX XXXX 2 days prior to departure. The owner then communicated via email with the promise of redunds. It has now been 6 months and I still have not received a refund. I disputed my transactions through chime bank. And they were denied. I then requested to know why my claims were denied and I havent received any information from them. My claims were denied even with the proof that I submitted to them that I was promised a refund. 
XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Upon reviewing my credit reports from XXXX, XXXX, and XXXX, I discovered multiple inaccurate and unverified accounts, inquiries, and personal information being reported without my authorization or consent. These include accounts and inquiries from Navy Federal Credit Union, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and others that I never applied for or authorized. There are also former names and addresses listed that are not mine, including XXXX XXXX and several outdated addresses. 

I have submitted formal written disputes to all three credit bureaus in compliance with XXXX XXXX. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation of disputed information within 30 days. Despite my requests, the bureaus have failed to provide proper validation or remove unverifiable items, violating my rights under FCRA 1681i ( a ) and 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy of information.

Additionally, the furnishers of this information, including Navy Federal Credit Union and third-party debt collectors, have violated 15 U.S.C. 1681s-2 ( b ) by continuing to report inaccurate data after being notified of disputes. Some companies also appear to have violated 15 U.S.C. 1692j of the Fair Debt Collection Practices Act ( FDCPA ) by furnishing deceptive forms or attempting to collect on alleged debts that are not mine. 

These repeated reporting errors and failures to verify constitute serious noncompliance with federal consumer protection laws and CFPB regulations. I am requesting that the Consumer Financial Protection Bureau investigate these violations and ensure that all unverifiable and unauthorized accounts, inquiries, and incorrect personal information are permanently deleted from my credit files. I am also requesting that the credit bureaus provide documentation of their investigation methods and the sources used for verification, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
After thoroughly reviewing my credit report, I discovered a fraudulent account and unauthorized inquiriesnone of which I authorized or initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc
State: LA

Complaint narrative:
I am submitting a complaint against FlexShopper regarding unauthorized ACH withdrawals from my XXXX XXXX account. 

I had a lease-to-own agreement with FlexShopper from 2021. Recently, without prior notice or my authorization, FlexShopper began withdrawing payments through ACH from my XXXX XXXX account. I requested that XXXX XXXX ( XXXX, XXXX ) block these withdrawals, but I was told they could not stop them. 

These withdrawals are unauthorized under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., which protects consumers from unauthorized electronic debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a written dispute and validation request to XXXX XXXX regarding the accuracy of the account being reported to the credit bureaus. I requested supporting documentation, including the signed contract, payment history, and proof of permissible purpose for furnishing my data.

Despite my request, the company verified the account without providing any validation or evidence to substantiate the tradeline. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623, as the furnisher did not properly investigate or correct inaccurate or unverifiable information.

I am requesting that the CFPB require XXXX XXXX to provide full documentation supporting their reporting or remove the unverifiable information from all consumer reporting agencies.

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 2025-10-19 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: TX

Complaint narrative:
I submitted a written dispute and validation request to XXXX XXXX regarding the accuracy of the account being reported to the credit bureaus. I requested supporting documentation, including the signed contract, payment history, and proof of permissible purpose for furnishing my data.

Despite my request, the company verified the account without providing any validation or evidence to substantiate the tradeline. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623, as the furnisher did not properly investigate or correct inaccurate or unverifiable information.

I am requesting that the CFPB require XXXX XXXX to provide full documentation supporting their reporting or remove the unverifiable information from all consumer reporting agencies.

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 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/year> I used USAAs mobile app to make a {$120.00} payment on my auto loan. A few hours later I went into the mobile app to make an additional payment and noticed that the loan had a {$0.00} balance. I reviewed the payment history and noticed that over $ XXXX was paid to the loan. I immediately called USAA I was met with a lack of compassion, understanding and urgency. I was told that a request would be submitted to try to get the funds back but would take up to 12 business days and IF approved of it would take an additional 2-3 business days to process although the loan was credited immediately. I do not have this much money in my external account and my account is going to be severely negative. This will impact my ability pay my other bills and take care of my family. It may also impact my credit worthiness as I currently have A+ credit. I tried to speak with a supervisor about this and I was denied. I feel really disappointed as a Member of USAA.

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 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I financed a Certified Pre-Owned XXXX XXXX XXXX through Santander Consumer USA after XXXX it from XXXX XXXX  XXXX XXXX, MI ) in XX/XX/XXXX. During the financing process, I disclosed that XXXX XXXX for XXXX ( listed on my credit application and income documents ). Despite this disclosure, Tamaroffs finance manager sold me a Guaranteed Asset Protection ( GAP ) addendum administered by XXXX XXXX that excludes rideshare or commercial use, making the product ineffective upon sale. 

My vehicle was totaled in XX/XX/XXXX, and XXXX XXXX denied the XXXX claim due to the rideshare exclusion. XXXX XXXX confirmed via e-mail that a {$1000.00} refund was sent to XXXX on XX/XX/XXXX and reconfirmed on XX/XX/XXXX for forwarding to my lender, Santander Consumer USA. To date, the refund has not been applied to my loan. To prevent delinquency, I made a {$710.00} out-of-pocket payment after the total loss. 

I filed complaints with the Michigan Attorney General, DIFS, and the Consumer Financial Protection Bureau, and filed XXXX XXXX XXXX ( Case No. XXXX ). I am requesting that Santander investigate why the refund was not applied, correct my account accordingly, and ensure I am not held responsible for payments or balances that arose from an ineffective and mis-sold XXXX  addendum.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On the XXXX Day Of XX/XX/year> there was a hard enquiry from XXXX XXXX in which I have no idea and how that reflect on my account. I immediately called the bank and informed them that I have been a victim of identity theft and the report should be removed from my credit report as soon as possible. But due to bank policy, they asked me to report it to my credit bureau, which is Equifax. I did report the issue to Equifax, they had asked me to provide some documents so they can be able to help me solve the issue. After sending them the required documents and dispute application through the mail, they sent me a letter after their investigation saying the hard enquiry report was accurate. I have never applied for any account with the XXXX XXXX and I still maintain that I wasn't the one who put in any application, i am a victim of identity fraud. My information was compromised and I want to bring to your notice that this is unfair and I want your good office to step into this matter in order to resolve it. I ask that Equifax remove this hard enquiry on my credit report. I will not take responsibility of what I don't know, this is beyond me at this point and that is why am coming to CFPB to help me step into this matter and resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MS

Complaint narrative:
I provided all the credit XXXX XXXX, XXXX, XXXX, and Exsperion with proof from FASA that loans were discharged due to Borrow Defense.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Trueaccord corporation tried to collect a debt of {$1000.00} opened XX/XX/year>. Im unaware of this debt and didnt have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not, please delete this account from my credit report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I would like more verification of the debt being reported on my credit file. I have written numerous letters and made several calls in an attempt to verify. Unfortunately, none of this was enough to receive verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: DC

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX XXXX XXXX account ( # XXXX ) on my credit file. 
This account is being reported as open and repossessed, even though it is time-barred and legally uncollectible under D.C. law . 
I still have the vehicle, and XXXX XXXX has not verified the debt despite multiple certified dispute letters. 
The bureau has failed to remove or correct this false and unverifiable account information. 
I am requesting that the bureau permanently delete this tradeline from my report as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i )

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 2025-10-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, at exactly XXXX XXXX., I made a {$9500.00} ( XXXX - XXXX dollar bills ) cash deposit into my chase checking account via the ATM at the XXXX XXXX, California XXXX XXXX immediately after selling my XXXX gram gold bar at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX. 
Once I inserted the cash into the deposit tray, the tray closed, I heard the cash shuffle for at least a minute plus, after the ATM successfully took the money. Right after, the ATM machine printed a paper receipt that read to call XXXX. I called the number at XXXXXXXX XXXX. and the representative assigned me a claim number ( XXXX ) and was told the money would clear in 3 to 5 days pending their investigation. Meanwhile, a provisional credit was issued. 
On XX/XX/year> ( between XXXX XXXX XXXX XXXX XXXX XXXX I personally walked into the same bank to confirm my money went into my account. I was told by the bank XXXX XXXX that my money was in my account and she showed me a paper statement and assured me not to worry. 
Then on XX/XX/XXXX, Chase deducted {$9500.00} from my account so I immediately called the Claims Investigation department at XXXX and spoke with XXXX who is a supervisor. She stated on record that the machine was faulty ( her exact words ) and also acknowledged I was at the ATM machine, per the research team. 
Ive provided all the details to the branch and filed an internal complaint but have not received resolution to my cash deposit. The letters Chase has sent me only state that per their research, they are confirming no deposit was made to my account. 
I would like to personally view the surveillance footage along with audio if applicable. Additionally, a request to audit the ATM deposit logs from that day and forth.

Company response to consumer: Closed with explanation