vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
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 : 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 explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
I am writing to dispute inaccurate or potentially compromised information appearing on my Equifax credit report due to possible exposure in a data breach. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of the accounts and inquiries listed below. 
If these items can not be verified as accurate and authorized, I request their immediate deletion from my credit file as required by federal law. 
Accounts in Question : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} INQUIRY : XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo Bank, N.A., regarding their mishandling and inaccurate reporting of a check deposit that has caused financial hardship, late fees, and potential damage to my credit profile. 

On XX/XX/year>, I deposited an insurance claim check in the amount of {$21000.00} into my Wells Fargo account via ATM. The ATM confirmation indicated that funds would be available by XX/XX/year>. However, as of that date, the funds were still unavailable. 

When I contacted Wells Fargos customer service, I was told that the check was presented for processing but that the funds were not available. This statement is inaccurate, as I confirmed directly with the insurance company that issued the check, which verified that the check had not been presented for clearance or returned as of XX/XX/year>. 

Because of Wells Fargos failure to process the deposit as promised, I was unable to meet several financial obligations that were scheduled based on the expected deposit availability, including my mortgage payment and several credit card payments. As a result, I have incurred late fees, returned payment penalties, and potential negative credit reporting all stemming from Wells Fargos misinformation and negligence.

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 2025-10-15 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-15 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-15 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX WEBBNK/FHUT - XXXX * * * * * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : GLOBAL LENDING SERVICE - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX STRIKE ACCEPTANCE XXXX XXXX XX/XX/XXXX XXXX - XX/XX/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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 non-monetary relief
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Shoals Circle XXXX, GA XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX, XXXX. 
Attn : XXXX Department XXXX. XXXX XXXX XXXX, SC XXXX Re : CFPB Case # : XXXX Account Number : XXXX Original Creditor : Credit XXXX Bank XXXX XXXX. 
Current Owner : LVNV Funding LLC Reference Number : XXXX NOTICE OF CONTINUED DISPUTE & DEMAND FOR COMPLETE VALIDATION Pursuant to 15 U.S.C. 1692g ( b ), 15 U.S.C. 1681s-2 ( b ), and 15 U.S.C. 1692e Dear Sirs/Madams, This correspondence serves as a formal and continued dispute regarding the alleged account referenced above. Your prior submission to the Consumer Financial Protection Bureau, dated XX/XX/XXXX, does not satisfy your obligations under federal law. 

The limited narrative you provided is not legal validation, as required by 15 U.S.C. 1692g ( b ). A mere statement that LVNV Funding LLC owns the account or that Resurgent is the servicer does not constitute verifiable evidence of debt ownership or enforceability. 

Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I hereby demand full validation and documentation, including but not limited to : XXXX. A complete Bill of Sale and Assignment of Contract from XXXX XXXXXXXX XXXX XXXXXXXX. to LVNV Funding LLC, identifying my specific account. 
XXXX. The full chain of title, showing every transfer of ownership between the original creditor and all subsequent entities. 
XXXX. A copy of the original signed agreement or contract that created the alleged obligation. 
XXXX. A complete payment history and accounting ledger from inception through the date of charge-off. 
XXXX. Proof that this debt is not time-barred under XXXX statute of limitations. 
XXXX. A notarized statement from an authorized representative of LVNV Funding LLC verifying the accuracy and completeness of the information provided. 

Until these items are produced, you are in violation of the FDCPA for continued collection activity and of the FCRA for furnishing unverifiable data to Experian, Equifax, or TransUnion. 

If you continue to report, verify, or attempt to collect without providing the required documentation, I will pursue legal remedies under : 15 U.S.C. 1692k civil liability for FDCPA violations, 15 U.S.C. 1681n & 1681o civil liability for willful and negligent FCRA violations, and 15 U.S.C. 1692e prohibiting false, deceptive, or misleading representations. 

I expect a complete written response within XXXX business days. Failure to comply will result in escalation through the CFPB and potential legal action in XXXX XXXX XXXX. 

This is your final notice. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: WI

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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a credit card with XXXX ( XXXX bank ). I had never missed a payment or been late and there were never any charge offs on the account ending in : XXXX up to the Chapter XXXX Bankruptcy filing date. ( this creditor was included in the bankruptcy ). I have disputed this account more than once. 

Equifax Credit Report as of XX/XX/XXXX Shows that Equifax did in fact list the account as : Account Status : " Included In Bankruptcy '' The filing date of XXXX XXXX Bankruptcy : XX/XX/XXXX. 
The court ordered an [ automatic stay ] and all creditors listed in the chapter XXXX were notified by the court of the automatic stay. 

United States Bankruptcy XXXX - XXXX XXXX of Texas Case No. : XXXX File date : XX/XX/XXXX ( automatic stay order from the court ) Date Bankruptcy XXXX : XX/XX/XXXX ( XX/XX/XXXX ) As currently reported on my Equifax Credit Report XXXX also reflects same for Experian and TransUnion XXXX As of XX/XX/XXXX ( They changed the account status to not included in bankruptcy - Account Status : " Charge Off '' ( The information below is as of XX/XX/XXXX ). 
This is a clear violation of the CFPB - FCRA. As well as the XXXX XXXX. 
This account should show : Account XXXX : " Included In Bankrutpcy '' not late payments or charge offs. This account needs to be updated and corrected for all XXXX credit bureaus. 

Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner - Account Type REVOLVING Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed - Activity Designator CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$1200.00} XXXX XXXX {$2500.00} High Credit - Available Credit {$1200.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES REINVESTIGATION IN PROGRESS CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX For questions regarding this account please contact : XXXX XXXX SERVICES XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-15 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: NJ

Complaint narrative:
After XXXX disputes, the furnisher and CRAs have proven XXXX thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced Metro 2s technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data.

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a XXXX violation, and it exposes these agencies to regulatory fines and civil lawsuits. 

This isnt a mistakeits willful, harmful, and unlawful.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: DE

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-15 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: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Ava Finance, Inc
State: NV

Complaint narrative:
I submitted an FTC Identity Theft Report ( Report ID XXXX ) and valid ID to Ava Financial ( MeetAva.com  ) regarding a fraudulent account. Ava acknowledged receipt via BBB complaint # XXXX / XXXX but falsely claimed I refused to provide documentation. The FTC report and ID have now been re-sent directly to their support email. 

Under FCRA 605B, a furnisher must block or delete fraudulent information within XXXX ( XXXX ) business days of receiving an identity theft report. Ava has failed to do so and continues to furnish this account to XXXX 

I am requesting that the CFPB compel Ava to delete the account immediately and provide written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
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 ACCOUNTS : XXXX - XXXX * * * * * * * * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * * XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I tried to withdraw money from the ATM at XXXX XXXX  XXXX XXXX XXXX  using my capital one ATM card and it said sorry this transaction can not be completed. I tried to withdraw {$860.00} then I tried again for XXXX thinking that maybe theres not enough in there And it said insufficient funds. So then I checked my bank account my checking and it said that the {$860.00} was pulled out of the ATM and it never dispensed any money so then I called capital one and told them about the issue and now theyre saying its gon na be until XX/XX/XXXX before I can get my money back. I dont think it should be my hardship considering it was not my fault. It was an error either with the ATM or with capital one and they are refusing to help me and I have XXXX money until they finish their investigation.

Company response to consumer: Closed with explanation