vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: KY

Complaint narrative:
Re : Formal Complaint Against XXXX  Concerning First Savings Credit Card Reporting To Whom It May Concern, I am filing this complaint against XXXX  regarding their handling of my dispute concerning XXXX XXXXXXXX XXXX Card account appearing on my credit report. 
On XX/XX/year>, and again on XX/XX/year> I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. 
Late Payments the count of late payments is inaccurate. 
Open Date and Close Date the dates are reported incorrectly.

Balance the balance being reported is inaccurate. 
I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via XXXX mail only. 
In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. 
Despite the requirements of the Fair Credit Reporting Act, XXXX  has never responded in any form. I received no reinvestigation notice, no documentation, and no mailed communication of results. This is a willful violation of federal law and a denial of my consumer rights.

Violations of the FCRA and CFPB Regulations Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) XXXX  was legally obligated to complete a reinvestigation within 30 days. They failed to act altogether.

Failure to Notify the Consumer of Results ( 1681i ( a ) ( 6 ) ) XXXX  failed to provide me with any written results of the dispute reinvestigation, by mail or otherwise.

Failure to Provide Verification ( 1681i ( a ) ) XXXX  did not provide the documentation or evidence I demanded to verify the accuracy of this account.

Failure to Correct or Delete Inaccurate/Unverified Information ( 1681i ( a ) ( 5 ) ) Since XXXX  failed to verify or reinvestigate, the First Savings Credit Card account must be deleted.

Failure to Maintain Reasonable Procedures ( 1681e ( b ) ) By continuing to report inaccurate and unverified information without review, XXXX  is knowingly harming my credit profile.

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 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year>

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 2025-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my lawful request for a full reinvestigation of every item in my report, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and calls into question the integrity, accuracy, and reliability of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I dispute the accuracy of credit entries linked to accounts I never approved. Kindly perform an exhaustive review and remove the items. Evidence accompanies this submission.

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 2025-10-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NC

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 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 XXXX XXXX XXXX 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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I was in the process of buying a property in Wisconsin when I became a victim of wire fraud. A fraudster intercepted my email conversations with the title company and misled me into wiring funds to a fraudulent account at XXXXXXXX XXXX. The total amount needed to close was approximately {$180000.00}, comprising {$130000.00} wired from XXXX in XXXX XXXX IL and {$50000.00} from XXXX. 

XXXX detected the fraud and informed me, suggesting that I recall the funds sent from Chase immediately. I quickly contacted Chase and instructed them to recall the wire transfer on the same day, just a few hours later. However, Chase informed me that these matters could take up to 90 days to resolve. 

As of now, Chase has refunded {$37000.00}, but this was nearly XXXX months after the initial wire transfer, and they have not provided further explanation. 

I do feel that the banker ( XXXX XXXX ) should have a better knowledge of recognizing scams and handling customers ' funds during real estate transactions. I do not understand why Chase Bank was unable to spot the fraud, and XXXX did. Also, why were the remaining funds not refunded to me since the wire transfer was done between the XXXX large XXXX bank institutions, Chase and XXXX, and was recalled within hours? 

This incident was immediately reported to the local police and the IC3.gov Please contact me for further information. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: First Technology Federal Credit Union
State: NV

Complaint narrative:
This account is a result of indenity theft and i would like it to be removed ASAP. My social security information has be compromised and someone has been using my information they even tried to file my taxes last year to the point I had to go into the IRS in person. Please remove from my 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
am writing to XXXX press iny concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to XXXX vestigate my claim adequately. by informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$950.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is attempting to collect on a XXXX XXXX debt. Portfolio is reporting XXXX different amounts owed on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
on XXXX a wire transfer was send to my XXXX account. ending in XXXX. 
the wire transfer never made it to this account. 

The dart bank who received the wire transfers rejected the money and send it back to Wells Fargo. then Wells Fargo send it back to the XXXXXXXX XXXX. 
on XXXX, Wells Fargo claims they send a recall and they said that the XXXX XXXX refused to give back the money and that it's vanished. 
however, I spoke to XXXX at XXXX who Confirmed that the money was send back to Wells Fargo on XXXX right after the first recall. They gave me the XXXX number of the transaction, but Wells Fargo refused to trace it. XXXX XXXX, lied about the investigation results and they kept telling me the money had just vanished and I gave it away. and to file a police report. however, none of this is true. I did not give money away to anyone and this is obviously a bank being neglectful. I would also like evidence on where exactly this money vanished to. 
I would be happy to provide the XXXX number for again for Wells Fargo to trace it, but I don't understand why Wells Fargo keeps saying the money vanished. when the XXXX XXXX send it back when you send out the recall. 
Wells Fargo employees, do not know how to conduct investigations nor trace wire transfers. they lie about the funds being gone, while keeping the money. this is unacceptable. 
the XXXXXXXX XXXX and XXXX have both tranced the money which pointed that it was send back and received by wells Fargo on XXXX after initial recall. 
if Wells Fargo would bother to actually contact the dart bank or trace the XXXX number I gave them .. they would know that. 

under Article XXXX of the Uniform Commercial Code ( UCC ), Wells Fargo must return the funds if they are mishandled by the bank. it is not legal for Wells Fargo to keep a wire transfer and be dishonest about the XXXXXXXX XXXX not returning them. XXXX XXXX, refused to acknowledge the email I got explaining that the money was rend back on XXXX, after the first recall. when I provided the emails from XXXX and the XXXXXXXX XXXX, they then said the XXXX was not traceable. I am not sure why they said that, the XXXXXXXX XXXX and XXXX are also now doing their own investigation since Wells Fargo is dishonest about the entire situation.

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 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
My credit card account was closed without any notification or call from the company. I had already set up a payment arrangement for my my account. I was never notified that I was over my limit, my account was closed yesterday without XXXX call from the company. It was not until today that I received an email at XXXX that my account was closed on yesterday. My payment was scheduled on XXXX for XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
Subject : Dispute of Information Under Section 605B Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
I recently noticed several accounts and inquiries on my credit report that I did not authorize, do not recognize, and have no affiliation with. my credit file reflects activity that is entirely unfamiliar to me. 
This situation is deeply concerning and has caused me significant distress, as it appears I may have been a victim of identity theft. In an effort to resolve this matter, I am providing the details of the fraudulent accounts that have appeared on my report : 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 2025-10-08 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-08 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: GA

Complaint narrative:
I submitted this feedback to the company after the last complaint and would like it to be acted on. 

Where is the chain of title proving I owe your company anything? This contract also looks doctored and does not show where I signed anything. Listing a date and time with no true signature does not prove I owe this debt or that you have a right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
revise : I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation