vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have been receiving communication from collector demanding payment when payment is already being satisfied through Treasury Offset Program. 

I have contacted XXXX on multiple occasions. The only response provided has been We are looking into it. 

XXXX, as a private corporation, is utilizing the Treasury Offset Program and harassing me as a private corporation in order to satisfy a debt that they refuse to validate. XXXX is attempting to receive multiple payment methods one through TOP and secondly through voluntary surrender- neither of which does XXXX have authority. 

My SSDI is already being garnished for this non-validated debt and I do not have any explanation from XXXX to why they are even involved in this matter as hey have refused to explain their involvement whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am writing as a consumer who values financial integrity and accurate reporting. After recently reviewing my credit file, I noticed several entries that appear inconsistent with my actual credit history. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or unverifiable information and request a thorough reinvestigation of the accounts listed below and, like a small but important chapter in my financial story, I ask that any item you can not fully and positively verify be permanently removed so my report reflects the true record of my responsibility ; imagine the relief of turning the page to a clean, accurate items of my credit history XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$750.00} XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX * * XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$1000.00} XXXX XX/XX/XXXXXXXX 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 2025-10-21 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: GA

Complaint narrative:
I am writing as a consumer who values financial integrity and accurate reporting. After recently reviewing my credit file, I noticed several entries that appear inconsistent with my actual credit history. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or unverifiable information and request a thorough reinvestigation of the accounts listed below and, like a small but important chapter in my financial story, I ask that any item you can not fully and positively verify be permanently removed so my report reflects the true record of my responsibility ; imagine the relief of turning the page to a clean, accurate items of my credit history XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$750.00} XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX * * XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding multiple serious inaccuracies and potentially unauthorized activities appearing on my credit report. These issues have caused significant distress and may be adversely affecting my creditworthiness. 

The errors include : Wrong Address Reporting XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX These addresses are incorrectly associated with my credit accounts, which is misleading and violates accurate reporting requirements under the Fair Credit Reporting Act ( FCRA ). 

Incorrect Charge-Offs and Balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance owed : {$1100.00} | Date Opened : XX/XX/XXXX | Reported as Charge-Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance owed : {$2200.00} | Date Opened : XX/XX/XXXX | Reported as XXXX Bank of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Reported as Charge-Off These accounts contain inaccurate balances, dates, and charge-off statuses that I dispute. 

Potentially Unauthorized Credit Inquiries XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, which may constitute violations of the FCRA.

I request the CFPBs immediate intervention to : Ensure that all inaccurate addresses are corrected or removed. 

Investigate and remove the incorrect charge-off entries and balances. 

Verify the legitimacy of all recent credit inquiries and remove any unauthorized ones. 

Confirm that my credit report is fully accurate and compliant with the FCRA. 
The reporting of false information and possible unauthorized inquiries has caused me significant concern and may be impacting my ability to obtain credit. I urge the CFPB to take strong action to protect my rights and ensure that the reporting agencies and financial institutions promptly correct these errors.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have chime have for some years. On sat XX/XX/year> I had been buying some things on the auction site whatnot. I had looked at my chime account at approximately XXXXXXXX XXXX I had XXXX XXXX  ( roughly ), at approximately XXXX. I went to look again to determine If I could afford to make a purchase. And was logged out of my account. After trying to get into it with no luck. So I went to check my email, and there was a email saying that I successfully changed my login email and number. Which I had absolutely no knowledge of. So I frantically called customer service. After XXXX mins ish of dealing with them I regained access to my now empty account. There were XXXX transactions of varying amounts to a person I have no clue who they are. Chime tells me i have to file a dispute and not to worry id get my money back. Not even XXXX hrs later my dispute was denied. So I called again, spoke to a supervisor who reopened my dispute. And again reassured me id get my money back. And again within XXXX it was denied again. I 10000 % percent did not have anything to do with this. I will take a lie detector whatever. The person even had the audacity to request XXXX more dollars from me the following morning. I have XXXX young kids and minimal income XXXX XXXX  is alot of money to me. Why would I lock myself out of my account. Why would I send it in many different amounts to a person I have XXXX history with. It's insane to me that they are just screwing me over. It is not right. Please help me. Also after I complained to both chime and whatnot assuming the hacker got me from what not. Considering it's the only app I had been using. Both chime and whatnot were done all day money the XXXX for a breach. XXXX wide. So they basically are admitting something funky happened. Yet not honoring my legit dispute it's bs. Chime is backed my bankcorp and stride which are fdic insured banks, chime is just the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
XX/XX/XXXX I was scammed by someone repeatedly harassing me saying I was being served and will have my wages garnished and lose my job if I didnt pay. They charged my card {$200.00} and a {$14.00} fee as well, payment was never authorized as I was being harassed. I opened a claim XX/XX/XXXX with Wells Fargo who I have had since XXXX they gave me back the XXXX but as of today my account is in the negatives and they are trying to take my XXXX back. They think the scam as fake even with all my proof I provided. That was my hard earned money and I was scared to lose my job as I need to pay for my XXXXXXXX XXXX Called Wells Fargo today XX/XX/XXXX to reopen the case and they hung up on me.

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 2025-10-21 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate information that has not been corrected despite multiple disputes and attempts to resolve the issue directly with the credit bureaus. I have followed all proper procedures under the Fair Credit Reporting Act ( FCRA ), yet the inaccurate items remain on my report. 
These errors continue to negatively impact my creditworthiness and financial opportunities. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into the credit reporting agencies and the furnishers of this data to ensure compliance with the FCRA. 
I am demanding the permanent deletion of all inaccurate, unverifiable, and outdated accounts or information from my credit file. The ongoing presence of these errors, even after several disputes, demonstrates negligence and noncompliance by the credit bureaus and/or data furnishers. 
I have documented my previous dispute attempts and communications, and I am asking for immediate action to have these items removed from all three credit bureaus Experian, TransUnion, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate information that has not been corrected despite multiple disputes and attempts to resolve the issue directly with the credit bureaus. I have followed all proper procedures under the Fair Credit Reporting Act ( FCRA ), yet the inaccurate items remain on my report. 
These errors continue to negatively impact my creditworthiness and financial opportunities. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into the credit reporting agencies and the furnishers of this data to ensure compliance with the FCRA. 
I am demanding the permanent deletion of all inaccurate, unverifiable, and outdated accounts or information from my credit file. The ongoing presence of these errors, even after several disputes, demonstrates negligence and noncompliance by the credit bureaus and/or data furnishers. 
I have documented my previous dispute attempts and communications, and I am asking for immediate action to have these items removed from all three credit bureaus Experian, TransUnion, and Equifax.

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 2025-10-21 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: LA

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple accounts currently appearing on my credit reports that I believe are inaccurately reported, unverifiable, or not associated with me. These accounts include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiplXXXX XXXX entries ( including accounts XXXX and XXXX ), XXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The dates associated with these accounts range from XX/XX/XXXX to as recent as XX/XX/XXXX. After carefully reviewing my credit reports, I have reason to believe that some or all of these accounts contain errors whether in account status, payment history, balances, or ownership. These inaccuracies negatively affect my credit profile and may be the result of misreporting, identity confusion, or inadequate verification during reporting. These reporting issues may violate FCRA 607 ( b ), which requires that all information on a credit report be as accurate as possible, and 611 ( a ), which mandates a proper and reasonable reinvestigation when a dispute is filed.

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 2025-10-21 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: LA

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) regarding multiple accounts currently appearing on my credit reports that I believe are inaccurately reported, unverifiable, or not associated with me. These accounts include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiplXXXX XXXX entries ( including accounts XXXX and XXXX ), XXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The dates associated with these accounts range from XX/XX/XXXX to as recent as XX/XX/XXXX. After carefully reviewing my credit reports, I have reason to believe that some or all of these accounts contain errors whether in account status, payment history, balances, or ownership. These inaccuracies negatively affect my credit profile and may be the result of misreporting, identity confusion, or inadequate verification during reporting. These reporting issues may violate FCRA 607 ( b ), which requires that all information on a credit report be as accurate as possible, and 611 ( a ), which mandates a proper and reasonable reinvestigation when a dispute is filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: OK

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple items on my credit report that appear to be inaccurate, unverifiable, or misrepresentative of my true financial history. These items include a Chapter 7 Bankruptcy case listed as XXXX, as well as several accounts reporting questionable or incorrect information. These accounts include XXXX entries from XXXX Card dated XX/XX/XXXX and XX/XX/XXXX, a XXXX  XXXX account dated XX/XX/XXXX, and accounts from XXXX XXXX ( account ending in XXXX ), XXXX ( ending in XXXX ), XXXX XXXX ( ending in XXXX ), XXXX XXXX XXXX ( ending in XXXX ), XXXX ( account number XXXX ), and XXXX ( account number XXXX ). After reviewing my credit reports, I believe some of these accounts are being reported with incorrect statuses, dates, balances, or ownership, while others may not be verifiable at all. The continued reporting of potentially inaccurate or outdated information, especially regarding a bankruptcy, can have severe consequences for my creditworthiness and may violate FCRA provisions, including 607 ( b ) and 611 ( a ), which require maximum accuracy and reasonable reinvestigation of disputed items.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
1. my father had 2 cards with Usb 2. he has medical condition, can not talk, and was placed in asstd living XX/XX/XXXX. I was appointed POA in XX/XX/XXXX. I had a login to the cards as supplement 5. in mid XXXX his card was declined ( no notice ) 6. my login was terminated, as was his login 7. spoke w/ multiple depts at usb several times, visited local branch 3 times 8. never successful getting online access, cards remained blocked 9. finally after > 1 hr call with 3 different people. got them to agree to close the cards 10. they only closed one of the 2 11. then began calling again asking them to close the other 12. there is no balance. no transactions in quite some time. card usage is blocked., online access is blocked 13. but we have paperless smts and can not login to ck balance and ensure no fraud on the card, so we have asked several times : " if you will not give access and have acitvity blocked, fine, we have moved to another card, pls close it ''. we have destroyed both cards 14. went to local branch 3rd time, sympathetic, said can not close the card, have to do over phone. they called for me and unsuccessful. like me, they were told " have to talk to someone else '' 15. I gave local br my ID to verify who I am ( the bank has acknowledged my POA, that isnt the issue ). they took it but unable to verify my identity for their back office 16. they gave me yet another number to call for " POA verification '' 17. this visit was 9/17 18. I called this number 3 times, at various times of day. no one ever answered, always straight to voice mail. I left detailed msg saying we do not want the card, pls close it. explained that it is risky to have paperless billing but not allow us online access. 
I do not understand why they want a card that hasnt been used open. do not understand why they refuse to close it. or to give me a reason. One possible reason is they want to collect fees, but to my knowledge this card does NOT have an annual fee. seems to be more trapped in bureacracy, no one cares enough to close it. My father was a customer with two cards for many years with no pmt issues, but began using a card from another bank in mid XXXX. 
I'm asking if you can get them to close it. as 8 phone calls and 3 branch visits only resulted in one of two being closed. this is us bank issuer and ends in 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