vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-04 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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 2025-08-04 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b.

Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. DEPT OF EDUCATIONXXXX XXXX & DEPT OF EDUCATIONXXXX 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 2025-08-04 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint about Equifax XX/XX/year> through CFPB and they still refuse to resolve the issue I have with incorrect information on my Equifax account. After requesting a credit report from Equifax in XX/XX/year>, my new, current address appeared, but this time it's listed as my " FORMER '' address and my former address is listed as " CURRENT ''. Equifax is listing incorrect information and is refusing to fix it. They are violating federal law [ FCRA ( 15 U.S.C. 1681i ) ] which will escalate to either contacting the state attorney general or legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding false and malicious credit reporting by XXXX XXXX XXXX  and the credit bureaus XXXX, XXXX, and XXXX. 

This account was a XXXX XXXX credit card opened in XXXX. The last payment was made on XX/XX/XXXX, and the Date of First Delinquency ( DOFD ) is XX/XX/XXXX. The account was charged off later that year. 

Despite this, XXXX XXXX and the credit reporting agencies continue to report this account every single month as if it is newly delinquent showing charge-off status from XXXX  through XXXX, using the same last payment date copied over repeatedly. 

This repeated re-aging is illegal. The account has had no legitimate activity in over six years, yet the data is being refreshed monthly with narrative codes ( XXXX, XXXX, XXXX ) to suppress my credit profile. The same false information appears across all three bureaus with inconsistent account names, numbers, and addresses. The balance is also inaccurate ( {$620.00} on a {$300.00} limit ), and the account still shows as active. 

I have already disputed this with the credit bureaus. They acknowledged receipt, marked the account as dispute resolved, and verified the same false information proving this is willful and malicious behavior, not an accident. 

This data is also being distributed to third-party data handlers such as XXXX and XXXX, which impacts background checks, housing, and business credit eligibility. 

Because of this, I have been denied housing, lost access to student aid, been rejected for business funding, and suffered ongoing homelessness and emotional distress. 

If this account is not permanently removed from all consumer and third-party databases, any response from the companies involved will be treated as retaliatory and submitted as evidence in my upcoming federal lawsuit, which I plan to file in the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This CFPB complaint will be logged in the court record.

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Original case number : XXXX. PNC 's response failed to resolve the core issues : no documentation was provided despite UCC Section 4-403 requirements, the 2 month account freeze violated Regulation CC 's 10 day limit for cashier 's checks, and financial damages remain unaddressed. Such as overdraft/returned fees, Bill Pays returned/fees , reversed or refunded merchant debit card transactions. Deposited a cashiers check on XX/XX/year>, PNC on XX/XX/XXXX locked me out of all my accounts and froze my cash with 2 letters received XX/XX/XXXX from Fraud Dept informing a delay on the funds being released and talking to the XXXX XXXX informing me the hold escalated to a different dept for review. it took over 2 months and a formal complaint to CFPB before any funds of my cash was released through the attn of the XXXX XXXX of the president of PNC. Through the response initiated by a complaint to CFPB it was XX/XX/XXXX, I learned that Truist communicated to PNC the cashiers check was fraudulent. XXXX, XXXX, XXXX PNC chose to hold my cash after being aware of why and insisting to provoke financial harm that devastated my life which could have been prevented. 2 months of unpaid rent, utilities, car insurance, credit cards responsibilities that incurred late fees, penalties, loss, limited access to be functional, gas for my car going to work, medical needs and near homelessness. I requested from PNC documents supporting all communication regarding my check from XXXX to PNC. On the phone, I was told by the XXXX office that was not possible. PNC 's refusal to provide documents despite UCC Section 4-403. UCC Section 3-420 states unlawfully withholding a negotiable instrument allows me to sue for damages. Per UCC Section 3-412 and Regulation CC Section 229.10, PNC, must return the original cashier 's check issued on XX/XX/XXXX immediately, as funds have been released without evidence of fraud .Failure to return the check within 10 business days constitutes unlawful conversion under ( State ) commercial law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
Wise has been holding my direct deposit payment from my W2 jobs. They have been making me jump through hassles submitting document after document and still refuse to release my money after it can easily be proved that the income is mind. Avoid doing any banking with wise because they can hold your money illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2025 XXXX XX/XX/2025

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 2025-08-04 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: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX Reference # 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 2025-08-04 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
There was {$5200.00} in my account in XXXX  and it got shut down for fraud which was false information .. Every time I try contacting about my funds they insist there is no information regarding my money and they closed me out of my account. Ive tried to call and access my funds but the automated system send me to a not eligible voicemail. For XXXX yrs I have tried to access my funds with no hope

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint because Citibank has failed to protect my personal information and is refusing to assist me in recovering funds stolen from my account. 

On XX/XX/2025, XXXX unauthorized transfers were made from my Access Account ending in XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PAY ID : XXXX ORG ID : XXXX NAME : XXXX XXXX I did not authorize these transactions and reported them to Citi immediately. After my report, I received a letter, but that letter has since disappeared from my online account records, and Citi has taken no meaningful action to investigate or reverse the charges. 

Whats even more alarming is that I was told Citi is declining to help me get the money back, despite the fact that I never interacted with these parties. I have strong reason to believe this fraud resulted from a breach or mishandling of my personal information by Citi. No one else would have access to my account details unless my information was compromised through Citi 's systems. 

This situation has caused me considerable financial and emotional stress. Citi has shown no transparency, accountability, or urgency in dealing with a case of clear financial fraud. I believe this mishandling violates both consumer protection standards and Citis own fraud policies. 

I am happy to provide documentation or account statements to support my complaint. 

Thank you for your 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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
On XX/XX/, I sent a certified dispute and arbitration election letter to Guglielmo & Associates regarding an alleged XXXX XXXX XXXX  account. XXXX XXXX is listed as the current owner of the debt, and Guglielmos collection letter stated they were collecting on behalf of XXXX XXXX. USPS tracking confirms Guglielmo received my letter on XX/XX/XXXX. Despite this, they failed to respond, never validated the debt, and ignored the arbitration demand. Their collection letter was generated on XX/XX/XXXX just one day after XXXX XXXX XXXX received my arbitration election for a separate XXXX  account suggesting retaliation. The letter used deceptive formatting ( e.g., XXXX XXXX  if married ), and although it mentioned XXXX, it failed to clearly identify them as the current creditor or provide any contact information. Even if the account does not currently appear on my credit reports, Guglielmos continued collection efforts violate FDCPA 1692g ( a ), 1692g ( b ), and 1692e ( 10 ), and disregard my arbitration rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX : SSN Date : XX/XX/XXXX Subject : Formal Dispute of Reinserted Account on Credit Report To Whom It May Concern, I am writing to formally dispute the reinsertion of an account on my credit report. This account was previously deleted, yet it has recently been reinserted without the required notification, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Account in Question : Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX  Account Number ( Last XXXX digits ) : XXXX  Date Opened : XX/XX/XXXXXXXX  Date of Original Deletion : XX/XX/XXXX Approximate Date of Reinsertion : XX/XX/XXXXXXXX Under FCRA Section 611 ( a ) ( 5 ) ( B ), I must be notified within five business days if a previously deleted item is reinserted into my credit file. I did not receive such notification. 

I am therefore requesting the immediate and permanent removal of this account from my credit report. Enclosed are copies of my identification and the original deletion notice ( if available ) for verification purposes. 

Please investigate this matter promptly and provide a written response within the 30-day time frame mandated by the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : SSN

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