vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
naccurate Reporting : My credit reports list multiple late payments on the following accounts, which are fraudulent, inaccurate, or unverifiable : XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have consistently made payments on time, many under autopay, and these derogatory entries are not accurate. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum accuracy.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), inaccurate or unverifiable information must be removed or corrected within 30 days.

Violation of Truth in Lending Act ( TILA ) : Inaccurate late payment reporting constitutes a violation of 15 U.S.C. 1666 ( b ), which mandates correct billing and reporting practices.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting inaccurate late payments may constitute misrepresentation under 15 U.S.C. 1692e, which prohibits false or misleading representations of consumer debts. 

Failure to Correct After Prior Disputes : I have previously disputed these items with { bureau_name }, yet the bureau has failed to provide proper verification or remove them. 

This is a repeated violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been reported under my credit profile without my knowledge or authorization. These accounts are wholly false, misleading, and damaging to the accuracy of my credit history. Their continued reporting is unjust and unacceptable.

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 2025-09-10 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:
Subject : Formal Dispute of Inaccurate Late Payment Request for Immediate Deletion under FCRA Dear Experian, I am writing to formally dispute the accuracy of late payment entries that appear on my credit report. 
According to my recent credit file provided by your agency, the following accounts are reporting late payments that I believe are inaccurate, unverifiable, or misrepresented : XXXX XXXX XXXX Account # XXXX Reported late : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Reported late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I am exercising my right to dispute incomplete or inaccurate information. You are required by law to investigate this matter within 30 days of receipt and remove or correct any information that can not be verified as accurate.

Furthermore, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting late payments without fully verified documentation from the furnisher is a violation of this statute.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: AmeriCollect
State: WI

Complaint narrative:
I have never heard of this company before but everyday i get calls and texts saying i owe and to pay when i clearly dont have no debt with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX XXXX is attempting to collect a {$50.00} restocking fee that was previously waived by one of their representatives. At the time I canceled service, I was told the fee was waived and was given two reference numbers as confirmation. Despite this, XXXX has failed to acknowledge my written correspondence and has continued to allow a collections agency to pursue me for this fee. 

I am now receiving repeated collection calls for a charge that should not exist. XXXX has ignored multiple attempts to resolve this matter directly. I am concerned that my credit report may be negatively impacted by this improper collection activity. 

I am requesting that XXXX immediately : Remove the {$50.00} fee from my account. 

Recall the account from collections. 

Confirm that no negative credit reporting has been or will be made in connection with this issue. 

I have documentation of my communications and the reference numbers provided by XXXX when the fee was waived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Fund of {$3000.00} was in my Chime account till they closed it down for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I Had a wells forgo ATM machine did not dispense the correct amount of money to me. Then when i disputed the withdrawal. they denied it. I requested documentation that they sent a technician to verify the denial. The only documentation they sent was copies of my bank statement. When i called them they told me they sent a technician and said its not their policy to provide documentation they sent someone. I believe this to be in bad faith and theft in my mind.

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 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used square for my business transaction for my Company XXXX XXXX ( XXXX ) is the email attached to my square account with phone number XXXX and I was paid {$25000.00} on XXXX of XXXX. Square took a processing fee of {$250.00} and froze my funds for 180 days. After 180 days, I was suppose to be having my funds released and they now froze it indefinitely without any cause or explanation. My funds show it is still available on the dashboard but I am unable to retrieve it. I called square On XX/XX/XXXX and spoke to XXXX and he informed me that the hold on my account has been released and I would be receiving my sums of {$24000.00} in a couple of days on a recorded call. I even told him to please make sure this information is accurate and asked him to verify which he did and assured me to no worries. In order for my records I even asked him to send me a direct email from square verifying his statement and re-confirming his statement which he did and I have proof and will be attaching it to this complaint. I called back on XX/XX/XXXX which is today to make sure the transfer has been initiated and the two employees I spoke to in Account Services said they could not help me on hung up on me twice without granting me my request to speak to a manager. My business has suffered tremendously and has closed down because of their unfair practices and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Jefferson Capitol System on my XXXX and XXXX  credit report.

According to 15 U.S.C. 1681, I have the right to dispute inaccurate and unverifiable information on my credit report. I have disputed this account with the credit bureaus multiple times, but each time it comes back as verified or updated without any proper investigation. 

The collection agency has failed to provide any of the information I requested, including : Verification of the debt, A copy of the original contract bearing my signature, A breakdown and explanation of the amount owed and how it was calculated. 

Despite my disputes and previous complaint, the company continues reporting the account without providing proper validation. This is a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and require the removal of this unverifiable collection account from all of my credit reports. 

Attached are my dispute letters, proof of delivery, and my current credit report reflecting the inaccurate account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I am writing to dispute the reporting of a charged-off account that has been fraudulently placed under my name. This account was established without my knowledge or consent, and it is the direct result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported on my credit file. Since I did not authorize or benefit from this account, I am formally requesting that this fraudulent charged-off account be deleted from my credit report immediately.

Please conduct a full investigation and provide documented proof of my responsibility for this account. If you are unable to provide verifiable evidence that I legally opened and used this account, you are required by law to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I authorized two RFP transfers from my Chase checking account to XXXX XXXX  on XX/XX/year>. Each transfer was for {$1300.00} ( Transaction IDs XXXX and XXXX, Reference IDs XXXX and XXXX ). 
Chase shows both transactions as posted/settled and the funds were deducted from my account. However, XXXX XXXX confirms they never received the money. 
Since this happened, I have been repeatedly contacting both Chase and XXXXXXXX XXXX Each institution has kept directing me back to the other, with no resolution. Chase tells me to contact XXXX, while XXXX tells me to contact Chase. 
I specifically requested that Chase run an ACH trace to confirm the receiving bank, routing number, and delivery status. Chase representatives have danced around the subject and repeatedly refused to initiate a proper trace. Instead, they told me there is nothing they can do because I was not tricked or manipulated, and stated incorrectly that the money is gone. I tried to submit a formal dispute, and they insisted that there's no recourse and that a dispute can not even be initiated. My money is left in limbo. 
This is an Electronic Funds Transfer error under Regulation E : the funds left my account but did not reach the intended recipient. Despite my repeated attempts, Chase has refused to open a Regulation E error claim or provide the required provisional credit. 
I am requesting : That Chase open a proper Regulation E error claim for these two transfers.

That Chase provide a provisional credit while the investigation is pending, as required by law.

That Chase conduct a full ACH trace to determine where the funds went.

Chase is required under Regulation E to investigate and either resolve the error within 10 business days or provide provisional credit. So far, they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been erroneously attached to my credit file. These accounts are entirely unauthorized and do not reflect my financial history. Their inclusion damages the integrity of my report and subjects me to consequences for which I am not responsible. The false reporting of these accounts is unjust and unacceptable. Immediate corrective action is required to restore the accuracy and credibility of my credit profile.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> someone opened a Capital One credit card in my name with my social security number, its now reported as " charge off '' i want this removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-09-10 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing a 30-day late payment that XXXX XXXX reported to the credit bureaus for XX/XX/XXXX. I have consistently made payments and requested documentation clarifying how my payments were applied month to month, but XXXX has refused to provide that information. 

Their records show a payment was made on XX/XX/XXXX, and another on XX/XX/XXXX, claiming that this exceeds the 30-day late window. However, they have not shown whether a payment was due and unpaid during XXXX or whether that XXXX payment was applied retroactively to the missed XXXX billing cycle. 

Additionally, XXXX issued conflicting statements regarding my outreach. In XXXX letter dated XX/XX/XXXX, they apologized for not returning my phone calls. In a later response dated XX/XX/XXXX, they claimed there was no record that I ever called them at all. These contradictions call into question the reliability of their records. 

Despite multiple attempts through the XXXX XXXX XXXX XXXX XXXX XXXX process, XXXX has not provided a full accounting of payment application history. I am requesting that the CFPB investigate the validity of the reported delinquency and ensure the company is complying with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I am an attorney. I opened a trust account ( IOLTA ) with the sole purpose of depositing client funds in connection with the leasing of drilling equipment. I deposited approximately {$97000.00}. On XX/XX/XXXX I was then instructed to send a wire transfer in the amount of {$81000.00} to XXXX, XXXX. I provided all wire instruction information accurately. I was assured the wire would arrive by that same afternoon. As of XX/XX/XXXX the funds have not been received by the recipient. The representative at the crosstown location who did the wire ( XXXX XXXX ) apparently named the recipient 's bank as the beneficiary instead of the actual recipient. This caused the wire to not process on the recepient banks side. Now my client is likely going to not be able to close on the rental equipment costing him approximately {>= $1,000,000} in damages. The representatives of the bank have not provided XXXX message receipt confirmation despite mutiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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