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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this letter as my first formal dispute regarding several serious inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. These errors are impacting the integrity of my personal information, misrepresenting my credit history, and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and correction of the items listed below, as they are not accurate, not verifiable, and do not belong on my consumer file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this letter as my first formal dispute regarding several serious inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. These errors are impacting the integrity of my personal information, misrepresenting my credit history, and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and correction of the items listed below, as they are not accurate, not verifiable, and do not belong on my consumer file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I submitted my second dispute to Transunion, XXXX XXXX XXXX regarding inaccuracies on my credit report. These inaccuracies included multiple incorrect aliases, addresses Ive never lived at, and late payment notations that do not belong to me. Despite providing an identity theft affidavit and supporting documentation, the report still shows inaccurate late payment information. 

I am not disputing the accounts themselvesonly the incorrect late payment records. This is my second written request, and I am asking for the removal of these inaccurate late notations while keeping the accounts themselves intact. 

Under the Fair Credit Reporting Act and the Fair Credit Billing Act, the credit bureau is obligated to ensure maximum possible accuracy and correct or delete any information that can not be verified. I have also included references to the relevant legal statutes ( 15 USC 1666, 1666b, 1681i, 1681s-2 ) to support my request.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I submitted my second dispute to XXXX Equifax and XXXX regarding inaccuracies on my credit report. These inaccuracies included multiple incorrect aliases, addresses Ive never lived at, and late payment notations that do not belong to me. Despite providing an identity theft affidavit and supporting documentation, the report still shows inaccurate late payment information. 

I am not disputing the accounts themselvesonly the incorrect late payment records. This is my second written request, and I am asking for the removal of these inaccurate late notations while keeping the accounts themselves intact. 

Under the Fair Credit Reporting Act and the Fair Credit Billing Act, the credit bureau is obligated to ensure maximum possible accuracy and correct or delete any information that can not be verified. I have also included references to the relevant legal statutes ( 15 USC 1666, 1666b, 1681i, 1681s-2 ) to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, I lost {$730.00} due to a Cash App impersonation scam. Someone contacted me pretending to be Cash App support and guided me through a screen-sharing session, which tricked me into sending money. This was unauthorized and fraudulent. 

I have contacted Cash App, but they have not resolved this issue, and it has caused severe financial hardship, as this was all the money we had and my husband recently lost his job. 

Additionally, the individual who scammed me was harassing me. I filed a police report for harassment and fraud with the XXXX, Oklahoma Police Department. The report number is XXXX. 

I am requesting that the CFPB investigate this case and assist in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
Everytime no matter where I add money at it charges me XXXX dollars more.

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: AR

Complaint narrative:
I am submitting this letter as my first formal dispute regarding several serious inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. These errors are impacting the integrity of my personal information, misrepresenting my credit history, and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and correction of the items listed below, as they are not accurate, not verifiable, and do not belong on my consumer file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OK

Complaint narrative:
On Monday XX/XX/XXXX at or around XXXX XXXX  my card was hacked by someone named XXXX XXXX, out of Illinois and XXXX XXXX out of California. I was at home asleep and didnt see this until it was too late. They hacked my account and sent themselves a total amount of {$340.00}. I immediately contacted chime and notified them that it was not me who made those transactions. They walked me through changing my password and told me to lock my cards. They asked me a number of questions such as have I lost my card or my phone or if either were stolen, I told them no this is fraud. They asked me to list off the transactions that I wanted to dispute and I read them off to them. They filed the dispute and two days later, XXXX XXXX they sent a notification that my dispute was denied. I immediately called them and asked them to re-open my case. They asked me if I had any new information and I asked them how they could possibly have done a thorough investigation in under two days. I found emails that stated my account was logged in, in a different city that I do not live in. I sent them the emails and they re-opened my case. Two days later on XX/XX/XXXX I got another notification that my dispute was denied. I called again and I asked them where was the emails that they were supposed to send two days ago stating why they found no error in the transactions and they said they would send them. I found information that the two accounts that sent themselves money showed theyre from out of state, I sent those screenshots in and they re-opened my case. On XX/XX/XXXX I was notified again that my dispute was denied and there was no error found. I finally got another email that was supposed to say why they thought there was no error and the only thing that email contained was the transactions from the money sent to the people who stole it. There was no reasoning of why it was denied. I have banked with chime since XXXX and have filed my taxes with them before. I have enjoyed banking with them but seeing as it was so easy for a hacker to successfully take my funds and nothing be done about it, I am highly disappointed.

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: TX

Complaint narrative:
Please review the provided materials ; the questions arrived unexpectedly and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
XXXX XXXX engaged in deceptive sales and financing practices related to the purchase and financing of my vehicle. Key disclosures were missing or inaccurate, the financing terms presented verbally did not match the contract I later discovered, and certain fees appear to have been inflated or added without proper consent. I was not provided with accurate paperwork at the time of signing, and later documents I obtained showed inconsistencies and possible alterations. These discrepancies prevented me from understanding the true cost of the vehicle or the financing I was bound to. 

In addition, XXXX XXXX failed to correct known errors after I raised concerns, and my attempts to obtain a full, accurate copy of my sales and financing documents have been delayed or ignored. Their conduct appears to violate federal consumer protection laws, including unfair, deceptive, or abusive acts and practices ( UDAAP ), and raises concerns about Truth in Lending Act ( TILA ) compliance. 

XXXX XXXX also misrepresented the value of the vehicle I traded in. They listed the trade-in value as {$0.00}, despite the vehicle clearly having market value. By assigning a false {$0.00} value, the dealership artificially created negative equity and rolled it into the new contract without properly disclosing it. This inflated the amount financed, distorted the APR and payment structure, and caused the loan to amortize improperly from day one. This is an undisclosed negative-equity packing scheme and a deceptive financing practice prohibited under TILA and UDAAP.

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: LA

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of my closed XXXX XXXX account on my Experian credit report. Experian is reporting late payments and a past-due balance of {$2900.00} that are not accurate or verified. 

The payment history Experian shows is inconsistent with the other credit bureaus. TransUnion reports XXXX late payments. Equifax reports XXXX late payments. Experian reports XXXX late payments, including a XXXX late status that I do not recognize and that does not match any other bureaus data. 

This level of inconsistency indicates that the information being furnished is not accurate, complete, or verified as required under the Fair Credit Reporting Act ( FCRA ). The account is also closed, yet Experian is reporting it as past due, which is misleading and damaging. 

I previously requested verification of the payment history, the accuracy of the late payments, the past-due balance, and the closed account status. The information has not been corrected or validated. 

I am requesting a full reinvestigation. Please verify all payment history, balance information, and late payment statuses directly with XXXX XXXX. If the information can not be fully verified with accurate and consistent records, the inaccurate data must be corrected or deleted from my credit report under the FCRA.

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 — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Newport Intermediate Inc.

Complaint narrative:
Cant open my account through my company app. Showing Error while log in.

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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
XXXX XXXX my card was fraudulent used on XXXX and I reported and it they it was not wrong even after the item wasnt ship to me it was overseas.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXXXXXX XXXX {$16000.00} I never had a car loan please verified I have asked the bureau * XXXX XXXX XXXX / {$160.00} /i dont owe this creditor i have asked for this to be verified no response its been 4 months. XXXX XXXX XXXX XXXX {$240.00} $ i dont own this account have adked for it to be verified no response in 4 months please delete. * XXXX XXXX XXXX XXXX i dont own this account asked for verification no response in 4 months please delete XXXX XXXX XXXX XXXX/ {$440.00} i dont own this account have asked for it fo be deleted no response in 4 months * XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX dont own this account has asked for it to be verified no verification was sent please delete its been 4 months no response XXXX XXXX XXXX XXXX {$830.00} i dont own this account it been 4 months i have asked for it to be delete no response no verification of this account or anything please remove XXXX XXXX XXXXt account closed never was late this account been closed since 2024 please investigate and remove...... I have been reported this and no update yet and it affecting 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 2025-12-08 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: MT

Complaint narrative:
I filed a previous complaint due to denied claims with Wells Fargo. The reasoning for denying My claim was that transactions match previous accountant activity I told them that I had previously used some of merchants that appeared on claim but hadnt too recently. PIN number was verified at time of transaction these are Online transactions and dont require a PIN number. I dont understand how a very small portion of this claim that i was credited was found to be eligible but other transactions were Not. They were all from same time frame/places. Ive been a Wells Fargo consumer since XXXX  and have literally never filed a claim on any accounts until this year. I told employees at wells Fargo working my previous cfpb complaint and claim as well as claim center circumstances regarding these unauthorized charges ( lost phone, replacement phone, mobile wallet, was out of state for work ) they also claim I verified a fraud Alert text on my phone which well is another lie I dont even have my personal phone with me when I was out of state working I am a traveling nurse and am provided a otc company used phone I use when traveling. I, as well offered documentation I have proving identity Theft report confirmations, correspondence with merchants involved saying I had to file a claim with my bank as they would be the ones to refund me to no avail they were uninterested. This all happened in XXXX when I was out of state for Work I was never issued any provinsary credits or anything just been waiting and Im pretty sure its illegal to steal someones money like that. I still dont believe some credits/refunds/depoists I have been issued match up either I went Through several months of past bank statements and the amounts are Definitely off/ not correct

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 — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX I deposit a check of XXXX dollars and was my second one deposit whit them, first they make me wait like 10 days to showed on my balance, the last day they close my account and keep my money, because they can verified a company phone number on public records, they keep my balance to, of {$340.00}, total amount XXXX

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing inconsistent reporting of my XXXX XXXX account. TransUnion reports this account as closed with a {$0.00} balance, {$0.00} past due, and no late payments. HoweverXXXX XXXX is reporting the same account as open with a {$12000.00} balance, {$1800.00} past due, and a 60-day late payment.

This discrepancy shows that the information being furnished is incomplete, inconsistent, and not verifiable. A furnisher can not report a {$0.00} balance and no delinquencies to one bureau while reporting major delinquencies and a large balance to another. One version must be inaccurate.

Under the FCRA, information must be accurate, complete, and consistent across the bureaus. Because the XXXX  reporting conflicts completely with TransUnion and XXXX, the negative information can not be verified as accurate.

I requested verification, but the reporting was not corrected or supported with documentation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing inconsistent and inaccurate reporting of my XXXX account. XXXX  is reporting this account with a {$690.00} past-due balance, XXXX late payments, and a XXXX late status. However, TransUnion does not report this account at all. 

The fact that TransUnion has no record of the account while XXXX  reports multiple serious delinquencies shows that the information being furnished is incomplete, inconsistent, and not verifiable. Under the FCRA, a furnisher must report accurate and consistent information to all bureaus it chooses to report to.

A furnisher can not report negative information to only one credit bureau and fail to report the account to another, as this creates misleading and unverifiable data. Because TransUnion shows no account or payment history, the XXXX data can not be considered complete or reliable. 

I requested verification, and the late payments were not supported with proper documentation.

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