vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a new, separate complaint regarding my case against Wise. My previous submissions were rejected as duplicates, but I have since obtained and organized critical evidence that fundamentally changes the nature of this dispute. This evidence was not fully considered in previous reviews by the XXXX XXXX XXXX ( XXXX  ) and requires a formal investigation by the CFPB.

The Fraudulent Transactions Were Made Under Duress and Coercion The payments from my account were not genuinely " authorized. '' I have now retrieved a series of threatening emails from the perpetrator. These emails prove that I was acting under extreme duress and coercion when the transactions were made. The payments were executed immediately after these threats, which is a clear indication that my consent was not freely given.

The scammer gained unauthorized access to my computer using software named " XXXX  '' and compromised my phone verifications using a separate app called " XXXX XXXX, '' directly contradicts any claim that I willingly authorized these payments. 
Wise 's Failures in Consumer Protection Wises handling of this matter demonstrates significant failures that have caused me substantial consumer harm : Failure to Prevent a Known Scam : My money was transferred in just 30 seconds. Wises own help center warns users about scams where they are instructed to move money out of their accounts and ignore unrecognised transaction notifications, yet their systems failed to protect me from this known threat.

Inadequate Investigation and Inaccurate Information : Wise 's investigation was lengthy, taking five months, and resulted in conflicting responses. Most egregiously, they falsely claimed I was overpaid on XXXX, a service that is not supported in my country and on which I have no account. This indicates a profound failure to maintain accurate records.

Unjustified Account Closure : Wise closed my account for " security reasons '' without providing any specific explanation or evidence. This action blocked my access to my funds and deprived me of the ability to seek a fair resolution, further hindering my case.

Rebuttal to Previous Responses Wise has previously attempted to deflect my complaints by citing a final decision by the XXXX. The XXXX, however, dismissed my case on procedural grounds, stating that it would not reconsider a previously decided matter. The XXXX  decision did not evaluate my new evidence on its merits, confirming the matter has never been properly adjudicated. As Wise US Inc. is a nonbank financial company supervised by the CFPB, my complaint falls under the CFPB 's clear jurisdiction. 
I am a XXXX patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a voluntary freeze on my credit information at Experian. I have tried ( and continue to try ) three times to remove it in the last 24 hours. Each time Experian has told me it has been successfully removed. After each time my banker checks and tells me it is still in place.

I have tried to reach Experian at every phone number I can find and via their website. It seems impossible to get through to a human. If I do not choose a canned option on their phone tree, the bot disconnects the call. As a result of this, I may lose the opportunity to purchase the home I am attempting to buy.

I will continue to try to resolve this online and via phone, but without the opportunity to speak to an actual human I am not sure what will change.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-09-16 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: CO

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file. 

Since I never provided authorization for this company to access my credit, I am formally requesting the immediate removal of this unauthorized inquiry from my credit report. If you are unable to provide documented proof that I granted permission, you are required by law to delete this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
My credit report includes certain inquiries that I believe lack a permissible purpose as defined under 15 USC 1681b. As I do not recall authorizing these inquiries, I am requesting their removal from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-16 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-16 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the fraudulent accounts that have been listed on my credit report. I did not open, authorize, or have any connection to these accounts. Their reporting is false, misleading, and harmful, creating an inaccurate representation of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX Capital One Credit card did not allow me my payment processing of {$190.00}. nothing understandable due to maybe changes in their computing deductible transactions all month til current date today, XXXX XXXX, XXXX. I only checked my prior bank balance before making the payment to Capital One Credit card 2nd online account. Match all first initial deductions transactions with merchants all month XX/XX/year> to verify truths. I wanted honesty about my payment when made, importantly. I had prior problems of stolen 1st account credit card within Capital One Credit card.

I have not received my new account card yet, Ither. Things maybe a hater being complicated and thieves.I want much XXXXXXXX XXXX  of XXXX, of dollars for all damages, breaches, data informations, and defaultings against me. Money was in my primary deducting checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

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 2025-09-16 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:
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 2025-09-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
A negative entry currently appearing on my credit report has created substantial hardships in my financial life, preventing me from accessing credit on reasonable terms and blocking important financial opportunities. This derogatory mark has directly contributed to loan rejections and has forced me to accept higher interest rates on existing accounts, resulting in increased monthly payments that strain my budget. The ongoing presence of this disputed item continues to generate both monetary losses and personal stress, as it misrepresents my creditworthiness and creates barriers to achieving essential financial goals. The cumulative effect of this inaccurate reporting has disrupted my financial planning and created uncertainty about my ability to secure future credit when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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 formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: NC

Complaint narrative:
I had an XXXX XXXX membership and I am XXXX XXXX XXXX XXXX and when I got XXXX I sent in a copy of my XXXX orders to cancel my membership. This has been an ongoing battle because the people at the location of XXXX XXXX told me it was okay and not to worry about it. The location constantly changes out management so I had to re explain this situation multiple times. Ive called the corporate and they always tell me to talk to the physical location and they never give me a right answer. I have been trying to dispute this charge for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am filing this complaint because Experian continues to report late payment history on accounts that are not accurate and are in violation of my rights under the Fair Credit Reporting Act. 

Experian is currently reporting the following accounts with late payment history : XXXX  XXXX XXXX XX/XX/XXXX Past Due : {$0.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Past Due : {$0.00} Both of these accounts are reporting as having a XXXX past due balance, which clearly indicates that they are not delinquent. Despite this, Experian continues to report them as having late payments in their history. This is contradictory, misleading, and does not reflect the true standing of the accounts. The reporting of inaccurate late payment history is damaging because it misrepresents my payment reliability to lenders and others who rely on my credit report to make decisions. 

Under the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy of the information they report. Section 607 ( b ) obligates Experian to have reasonable procedures in place to ensure that the information on my file is accurate. Section 611 requires that disputed information must be promptly investigated, corrected, or deleted if it can not be verified. By continuing to report late payments on accounts with no past due balance, Experian is failing to meet these obligations.

The impact of this inaccurate reporting is significant. These false late payments lower my creditworthiness and harm my ability to qualify for fair credit opportunities. I have invested time and effort to maintain my accounts, and it is both unfair and unlawful for Experian to continue portraying me as late when the accounts themselves show a XXXX past due balance.

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 2025-09-16 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am formally requesting the reinstatement of the following account that was improperly and unauthorizedly deleted from my credit file. I did not authorize the deletion of this account, and its removal has created an inaccurate and incomplete representation of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate and complete credit files. The removal of this account without my consent constitutes an error that must be corrected.

Company response to consumer: Closed with explanation