vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since I have no relation to these accounts, they must be taken off within 15 days per USC 1681g.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding certain credit reporting items across the three major credit bureaus. The following accounts are being disputed, separated by bureau. 

CHARGED OFF THE BUREAUS, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was offered a balance transfer option on my card in XXXX of 2025. I attempted to do the balance transfer. It was declined due to a computer error on the banks end. The time frame of which I attempted the transfer was specifically timed so that my credit report would not several cards with an extended balance. ( As a former Wells Fargo employee I am very familiar with how it works and timed it this way on purpose ). Because Wells Fargo didnt process the initial transfer request I used a different card after the time frame I had originally timed it for and this then caused Wells Fargo to shut down the initial card because the credit reporting showed more than 1 card that was extended and my report took a significant hit. Eventually the credit reporting corrected itself as it does with balance transfers if not done in a specific time frame. Wells Fargo shut down my card under false pretenses that they caused by not initially processing the transfer and forcing me to use a different account and transfer date. I have the letter that says it was their fault and how it was a computer error. They essentially removed almost a decade and a half of good credit history and caused my utilization to increase and my history to drop by several years. All of this could have been avoided had they processed the initial transfer in the time frame that I was trying to do it in. When I tried to resolve it they basically said they had the right to shut the card down. It seems retaliatory since I complained to them when it originally happened. No apology from them. No resolution. Just me taking a major hit on my credit in terms of history and now utilization.

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 2025-11-25 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:
On XXXX at XX/XX/XXXXpm, I received an email from Wells Fargo bank notifying me that my available balance was below {$100.00}. 
I immediately checked my account summary online and found that there were 7 unauthorized transactions attempting to transfer my money to a crytpocurrency Coinbase account in XXXX, California for a total of {$4700.00}. 
Upon learning this, I called Wells Fargo at XX/XX/XXXXpm to cancel my card and file a fraud claim. 
I was told it would take up to 10 days to investigate the claim. 
On XX/XX/XXXX I went to check the status of my claim online and saw that the claim had been closed, but none of the money was returned to my account. 
Upon learning this, I called the claim department at XX/XX/XXXXam and was told that my claim had been denied. 
I explained that this was clearly bank fraud and refused to accept their findings and was transferred to another representative who informed me that my claim would be sent to the executive branch for another review and I would hear from them within 3 days. 
I then received an email at XX/XX/XXXXpm stating that they are looking into it and will respond within 10 days. 
On XX/XX/XXXX I received an email at XX/XX/XXXXam stating that my claim was denied and closed. 

As per Wells Fargo 's policy on cryptocurrency, these transactions should have never been authorized or processed in the first place. Proper fraud prevention measures should have been taken and my money should have been reimbursed back to my account immediately, especially due to the fact that I reported the issue right away.

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 monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Subject : Formal complaint- collection account reporting without full validation/ FCRA s 611, FDCPA s 809 ( b ) To whom this may concern, I am filing this formal dispute and complain regarding a collection account that is being reported on my consumer credit file by True accord., who has failed to validate the debt in accordance with FDCPA 809 ( b ), and continues to report an accurate or unverifiable information in violation of the fair credit reporting act 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). 

Account in dispute : Collection agency : True accord Original creditor : XX/XX/XXXX XXXX Reported balance : {$6800.00} Account # XXXX Date opened : XXXX XXXX Credit bureau reporting : ( XX/XX/XXXX ) LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA section 809, the collector, either : Failed to provide for chain of assignment or legal ownership. 
Sent only generic billing statements or screenshots not tied to my identity. 
Not supplying original sign contractor application, showing my agreement to this debt.

Continue to report the item to the credit bureaus without making the count as disputed by leading FCRA, section 623 ( a ) ( 3 ).

Under FCR a section 611 A, consumers have the right to request an investigation to disputed items that are on incomplete and inaccurate or unverifiable. the lack of legal documentation makes it that unfit for consumer reporting continued publication of this collection is harming my credit worthiness violates my rights. 

Resolution Requested : I respectfully request that the consumer financial protection bureau open in investigation into this matter and a force immediate removal of this on validated debt from all consumer reporting agencies a review of the collectors reporting compliance procedures a permanent cease and desist from further reporting this debt under FDCPA section 807 ( 8 ) and FCRA section 605B if identity fraud reporting errors are also involved. 

Thank you for your time, oversight and assistance in protecting consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XX/XX/XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-25 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: NC

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-11-25 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: VT

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a consumer working to improve my credit, and I am disputing the following accounts due to discrepancies in reporting. I respectfully request that these be thoroughly investigated, and that all inaccuracies be corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Inquiries : ( There are no inquiries listed for TransUnion. ) Late Payments : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
Sunrise Credit Services has wrongly been reporting a XXXX debt as mine. I do not owe anything to XXXX or it's affiliates and I demand an immediate removal of the collections from my credit report. Additionally, I have never sent them any correspondence and when I called and let the rep know It it not my debt, he started pretending like he couldn't hear me so he could hang up.

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 2025-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Over the last 2.5 years I've been trying to gain access to my account. I've sent in all verification of identity and everything they have asked for. After all verification send more emails stating im missing info so I send it in got confirmation they got everything then want me to verify a bank account linked to my chime card I sent in the bank statement they say it won't work and I need to verify the last transaction made with the chime card but they won't sent me the statements and won't tell me how to move forward and hand up on me today I spoke to 4 reps with the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 U.S. Code Section 1681 S-2 Responsibilities of furnishers of information to consumer reporting agencies. 
Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term " accommodation '' includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX. 
Covered period The term " Covered Period '' means the period beginning on XX/XX/year> and ending on the later of_ 120 days after XX/XX/year> ; or later or 120 days after the date on which the National Emergency concerning the novel XXXX XXXXXXXX ( XXXX ) outbreak declared by the President on XX/XX/year> under the National Emergencies Act ( 50 U.S.C.1601 et seq. ) Terminates.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
15 U.S. Code Section 1681 S-2 Responsibilities of furnishers of information to consumer reporting agencies. 
Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term " accommodation '' includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX. 
Covered period The term " Covered Period '' means the period beginning on XX/XX/year> and ending on the later of_ 120 days after XX/XX/year> ; or later or 120 days after the date on which the National Emergency concerning the novel XXXX XXXXXXXX ( XXXX ) outbreak declared by the President on XX/XX/year> under the National Emergencies Act ( 50 U.S.C.1601 et seq. ) Terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting a dispute for the following accounts on my credit report. Please investigate these accounts for accuracy, as there are discrepancies in the reporting. Below are the details of the accounts in dispute, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ADJUST Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX  Date XXXX XX/XX/XXXX Experian ( XXXX ) : XXXX XXXX  Account Number 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the XXXX help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-11-25 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: NY

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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