vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 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 2025-12-08 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: IL

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir/Madam, I am requesting an investigation into the items Experian is reporting that appear inaccurate, incomplete, or unverifiable. These accounts do not reflect my actual payment history or status, and some appear duplicated across other bureaus but reported differently. 

Charged Off Accounts ( EX ) Please reinvestigate the following accounts : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00} Some of these accounts are reporting inconsistently between bureaus, which makes them potentially inaccurate. 

Late Payments ( EX ) The following late payments are inaccurate and need reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX These do not reflect accurate payment history.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, and again 5 days ago, Chime emailed me the exact same documents I requested the same documents they previously used to deny my dispute regarding XXXX XXXX XXXX. These documents were identical to what I had originally submitted to support my case, proving that Chime reused my own evidence and did not obtain any new information from the merchant. 

I had sent Chime new proof showing that my car was still unable to drive after XXXX XXXX XXXX completed their service. This included updated photos, mechanic statements, and confirmation that the original repairs were not properly performed. Despite receiving this new evidence, Chime failed to acknowledge it and continued to rely solely on the same outdated documents sent on XX/XX/XXXX and again 5 days ago, showing that no new investigation occurred. 

By repeatedly sending the same denial packet, Chime demonstrated that they : Did not conduct a second review Did not request merchant documentation Did not analyze the new information I provided Did not follow legally required dispute resolution procedures This means Chime issued a denial without completing a reasonable or good-faith investigation, causing financial harm and preventing resolution of a valid dispute. 


-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Can you take another look at this entry? Its late and could be incorrect.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am filing this complaint against both ChexSystems, the consumer reporting agency, and XXXX XXXX XXXX, the furnisher of information, for placing a second unauthorized inquiry on my consumer report. This issues has not been resolved and my account was inadequately denied on XX/XX/year> and then approved on XX/XX/year>, then told on XX/XX/year> that it was going to be closed because the manager forgot to add supporting document when opening the account On or about XX/XX/year>, I opened an account with XXXX XXXX. During this process, a hard inquiry was placed on my ChexSystems report. After resolving an issue, I subsequently had this initial inquiry removed from my report. The inquiry was correctly changed to " only viewed by me, '' not others. 

On or about XX/XX/year> a Manager with XXXX XXXX contacted me and stated that she didnt submit my qualifile score or missed other info when opening my account and would need to update this or my account would be closed. Then on or about XX/XX/year> a XXXX XXXX manager was assisting me with my account. The manager admitted to making an error and stated they needed to " resubmit the request '' to open the account. I explicitly told the manager I did not authorize a new ChexSystems inquiry. The manager verbally assured me they would " bypass '' the ChexSystems verification and would not re-verify my information with ChexSystems. 

Despite this explicit assurance, XXXX XXXX subsequently placed a new, unauthorized hard inquiry on my ChexSystems report. This inquiry is now visible to others, damaging my ability to open accounts elsewhere. I did not authorize XXXX XXXX to access my ChexSystems report at this time. The manager 's actions and the bank 's systems failed, resulting in an illegal pull of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing wrong information on my credit file and they keep saying it comes back valid and Transuion will not remove the items. I've been asking Transuion to send me the information that they received and show it's valid and they have not giving me any proof. Transuion keep adding accounts that I've told them are not my accounts. My information is in their data breach and was found on the dark web because of Transuion and Equifax data breach! My social security number and date of birth was exposed because of their negligence. I've reported fraud and lock my account with Transuion and they allow inquiries while I have a freeze on my report with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing wrong information on my credit file and they keep saying it comes back valid and Transuion will not remove the items. I've been asking Transuion to send me the information that they received and show it's valid and they have not giving me any proof. Transuion keep adding accounts that I've told them are not my accounts. My information is in their data breach and was found on the dark web because of Transuion and Equifax data breach! My social security number and date of birth was exposed because of their negligence. I've reported fraud and lock my account with Transuion and they allow inquiries while I have a freeze on my report with them as well.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove this unauthorized account from my credit report, as I did not approve its creation and was unaware of it. In accordance with USC 1681g, I request that it be deleted within 15 days. Supporting documents are attached.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this follow-up complaint because Experian Information Solutions XXXX Inc. failed to comply with its statutory duties under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 6 ) ( B ) ( iii ), and 609 ( a ) ( 1 ). 

On XX/XX/year>, I filed a CFPB complaint regarding multiple inaccurate items on my Experian report, XXXX including fraudulent XXXX XXXX accounts ( ending XXXX and XXXX ), a false address ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, and mis-classified business accounts ( XXXX XXXX and XXXX XXXX Card ). Experians written response simply states that it contacted the data furnishers and that they verified the accuracy of the information, but no evidence or verification records were provided.

This is a form letter response that fails to satisfy the FCRAs requirements for a reasonable reinvestigation. Under 611 ( a ) ( 1 ) ( A ), Experian must conduct an independent and reasonable reviewnot merely accept whatever the furnisher says. Under 611 ( a ) ( 6 ) ( B ) ( iii ), Experian must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher contacted. Experian provided none of that.

Experian also ignored my prior identity-theft affidavit under 605B, which legally requires them to block fraudulent items within four business days. Instead, they kept the same false XXXX accounts and address on my report. 

The Experian response further directs me to contact the source of the information directly, shifting its statutory obligation to me. The law places the duty to investigate on the consumer-reporting agency, not the consumer.

I am requesting that the CFPB require Experian to : Produce copies of all documentation it used to verify the disputed items, including correspondence or electronic confirmations from each furnisher ; Provide a written description of its reinvestigation procedure per 611 ( a ) ( 6 ) ( B ) ( iii ) ; Permanently delete all items that can not be verified with documentary evidence ; and Confirm compliance with FCRA 605B, 609, and 611.

Failure to provide actual verification documents or a meaningful reinvestigation is a recurring pattern in Experians responses to consumer disputes and constitutes willful non-compliance under 616.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I initiated XXXX authorized ACH transfers from my Ally Bank account to my XXXX  checking account, each in the amount of {$150.00}. Both transfers were confirmed by Ally as successfully initiated. None of these funds ever appeared in my XXXX account on those dates or on any subsequent business day. 

I contacted both Ally and XXXX multiple times. XXXX reviewed my account history and confirmed that no incoming ACH deposits in those amounts were ever received or posted, and therefore they have nothing to trace or return. XXXX also indicated that if Ally had sent a valid ACH entry, it would appear in their system even if rejected. There is no record whatsoever of these transfers. 

Ally, however, has been unable to produce : An ACH trace number for either transfer Any return code from XXXX  Proof that the funds ever reached the ACH network Proof that the funds were ever returned to my account Under NACHA and federal EFT regulations, an ACH transfer can not simply disappear. The originating institution is required to document the routing and final disposition of the funds. Ally has failed to do so and continues to hold {$300.00} of my money without proof of delivery, proof of return, or any verifiable transaction records. 

At this point, Ally Bank appears to have lost or failed to correctly process XXXX federally regulated electronic funds transfers. Their inability or refusal to provide trace documentation or return codes constitutes a breakdown in required ACH handling procedures and creates financial harm to the consumer. 

I am requesting CFPB intervention to compel Ally Bank to : 1. Produce the ACH trace numbers for both transfers, 2. Provide all return codes, settlement details, and routing information, and 3. Immediately credit my Ally account for the full {$300.00} if the funds were never properly delivered to XXXX. 

I have made repeated good-faith attempts to resolve this issue through both banks, and the matter remains unresolved. I am requesting regulatory review and a written determination.

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 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc.
State: FL

Complaint narrative:
In the middle of XXXX I payed off my self builder account. XXXX stated on XXXX, XXXX  they would start the payout and did not and have not. XXXX also closed my secured credit card account right after and said they needed to verify the account I paid them through. I provided that information and they are still holding my money. I have contacted them on XXXX, XXXX  for a resolution and also I contacted them on XXXX for a resolution and have not received XXXX. My self Credit card had {$460.00} and my XXXX XXXX builder had {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX, when I initiated my loan process with Wells Fargo, I began receiving unwanted credit monitoring and marketing phone calls. I was also contacted by many " debt collectors '' on behalf of Wells Fargo, claiming they could help me with my credit monitoring and debt repayment. 

Even after relocating to different XXXX posts due to my military service, these credit monitoring, sales, and debt relief calls from Wells Fargo continued whenever I was back in the US, or via email. 


Dates of unsolicited calls, marketing, and credit monitoring products XX/XX/XXXX, XXXX XX/XX/XXXX, and I believe I qualify for compensation from Wells Fargo as my personal information was compromised throughout these years. 

Thank you.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 the38668re 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 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