vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I made a {$7000.00} payment toward my Wells Fargo credit card ( account ending in XXXX ) to reduce my balance and improve my credit utilization. A few weeks later, on XX/XX/year>, Wells Fargo sent me a letter stating that my credit limit had been reduced to {$18000.00}. This reduction was almost the exact amount of the payment I had just made, which effectively negated the benefit of my large payment and kept my utilization ratio high. 

The letter cited XXXX credit data, but Wells Fargo used an older score of XXXX instead of my more recent and accurate scores ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX, as documented by XXXX ). I contacted Wells Fargo and asked them to explain the criteria used to make this decision. Their representative told me only that XXXX XXXX policy allows them to lower limits at their discretion, without providing any specific standards, data, or decision-making process. 

As a result of this reduction, my credit score dropped by XXXX points even though my payment behavior improved my actual credit profile. Wells Fargo has refused to reinstate my original limit or explain their review process. I am concerned that this practice is unfair, misleading, and potentially affects other consumers who may face similar retaliatory actions after responsibly paying down their balances.

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 2025-09-26 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ) I have called this bank several times and gave them my information. I let them know these accounts were fraud and that they need to be removed. The address where the card was sent and where the account was being paid from do not belong to me. XXXX XXXXXXXX investigated and found this to be true. I would like this account removed. 

XXXX XXXX ( XXXX ) This account is not mine. This account is tied to a commercial account which I am not the owner. I have no knowlegde of this address. When looking it up, I find that this is a church and I have no knowledge why my personal infromaiton would be used for their commerical account. I have no knowledge of this account and would like it removed. 

XXXXXXXX XXXX XXXX XXXX XXXX  ) When I called XXXX XXXX XXXX XXXX of XXXX ; they had an issue locating this account with my real true ideneity information. we discussed this account. They investgiated and found this account to be removed and fraud. They agreed to remove this account I would like the call investigated. I have since received a letter telling me they are going to garnish my wages for an account they agreed to remove. I'd like the phone transcrips pulled for this account and its history and its calls.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT AS IT DOES NOT REFLECT MY CONSISTENT ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS CLEARLY INCORRECT AND UNFAIRLY HARMS MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY.

UNDER THE TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. 1666B THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE DOCUMENTING THIS ISSUE, WHICH HAS BEEN OUTSTANDING SINCE XXXX, DEMONSTRATING A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS. 
I HAVE BEEN DISPUTING THIS MATTER FOR MONTHS AND I URGE YOU TO CONDUCT A PROMPT INVESTIGATION. PLEASE UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY. FAILURE TO CORRECT THIS ERROR MAY RESULT IN MY SEEKING MONETARY DAMAGES IN SMALL CLAIMS COURT. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY THE PAYMENT IS INACCURATELY REPORTED AS LATE. 
I RESPECTFULLY REQUEST YOUR IMMEDIATE ATTENTION TO RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BCI FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX  refused to process my request to not renew my CD and told me I had to call back 7 days before my CD matured. 

I've never encountered a bank that refused a request to not renew a CD, and I believe this is wrong and unethical. If I'd know this would have been the case, I would have never opened a CD at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$1500.00} via XXXX XXXX XXXX to an incorrect Chase account ( transfer # XXXX ). 
Wise initiated a recall on XX/XX/year> ( Recall Ref XXXX, Message Ref XXXX ). 

Chases own CFPB response ( XX/XX/year> ) confirmed it received XXXX recall request on XX/XX/XXXX and responded to XXXX on XX/XX/XXXX and XX/XX/year>, stating that it was contacting the recipient to recover the funds. 

XXXX  later CFPB response ( XX/XX/year> ) now agrees that Chase responded on XX/XX/XXXX and XX/XX/XXXX, but says that on XX/XX/year>, Chase closed the recall as Resolved No Response from beneficiary/correspondent bank. 

Attached Chase Inquiry Details ( Investigation ID XXXX ; JPM Ref XXXX ) confirm those dates and state the case is closed and future inquiries must reference a XXXX  case number ( not provided to me ).

Despite these records, I still have : No full copy of Chases XX/XX/XXXX message to XXXX, No XXXX  case number to allow further follow-up, No confirmation of whether the recipients account still holds the funds, No guidance on any next steps ( e.g., additional notices, legal process ).

The contradictory information between Chase and XXXX, and the absence of critical case identifiers from Chase, have blocked the recovery of my {$1500.00} and caused significant delay and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against JPMorgan Chase Bank for the abrupt and unjustified closure of my accounts. I have been a Chase customer since 2022, and throughout this period, Chase has been my primary bank for all financial activities, including direct deposits and daily transactions.

Without prior notice, Chase closed my account and, in doing so, treated me as though I were engaged in fraudulent or illegal activities. This was not only deeply distressing but also damaging to my financial reputation. At no point have I violated any of Chases policies, nor have I engaged in any suspicious or prohibited activities.

Worse, when I attempted to seek clarification over the phone, I was subjected to discriminatory treatment by Chase representatives. Instead of receiving an explanation or assistance, I was made to feel as if I were guilty of wrongdoing. This has caused me significant emotional distress, as well as financial disruption, since Chase was my main financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
My old roomate used my credit to get accounts that I didnt give permission to open. I did not open these accounts, Please take these off my credit since they are not mine.

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 2025-09-26 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:
My old roomate used my credit to get accounts that I didnt give permission to open. I did not open these accounts, Please take these off my credit since they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: OH

Complaint narrative:
Due to glitch on the CFPB website, I was not able to provide feedback on TransUnions response to complaint XXXX. The information was provided to a CFPB rep but her statements are factually incorrect and poorly written. Please delete her comments and replace with the following feedback.

The response from TransUnion was ludicrous. I requested that they refrain from sending unsolicited information about my credit report through USPS.

I specifically asked for email contact only. They interpreted this request as a credit dispute and sent another copy of my credit report through the US Post Office. Its hard to comprehend this level of incompetence.

Shortly after I submitted the complaint, TransUnion had a massive data breach. Once again all of my info was compromised.

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 2025-09-26 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding LXXXX XXXX XXXX  : This inquiry is inaccurate. 
U.S. Bankruptcy Court : Account number : XXXX, Unverifiable. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX  | XX/XX/XXXX : This inquiry is inaccurate. 
DEPT OF ED | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX  : Account number : XXXX, Unverifiable. 
XXXX XXXXXXXX : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
EXPERIAN XXXX XXXX  | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX  : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-26 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Purchased a XXXX dollar item on XXXX XX/XX/year>. Received refund from XXXX on XXXX XX/XX/year>. Today is XXXX XXXX but no refund shown on Wells Fargo credit card statement. Card number XXXX XXXX email attached. They clearly processed refund from their side but Wells Fargo is not processing it. I had conversation with them on phone on XXXX XXXX but they rudely denied my refund and said call XXXX. XXXX  literally confirmed refund. They are unprofessional too. 

Tried XXXX  but they are ghosting my legitimate refund too.

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 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and dispute regarding the inaccurate and unlawful reporting of a collection account by Fair Collections & Outsourcing ( FCO ), which appears on my credit report.

The account in question is listed as follows : Creditor/Collector : Fair Collections & Outsourcing Original Creditor : [ If not provided, leave blank or Unverified ] Date Opened : XX/XX/year> Reported Balance : {$16000.00} Status : Open / Placed for Collection Remarks : Account information disputed by consumer This account is being reported in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Violations 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to conduct a reasonable investigation of disputes. Despite my prior disputes, FCO has failed to provide proper validation of the alleged debt and continues to report unverifiable information, which is unlawful.

15 U.S.C. 1681i : The consumer reporting agencies ( XXXX XXXX XXXX ) are required to conduct a reinvestigation of disputed accounts. The reinvestigation into this account has been inadequate and the inaccurate information remains.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting this account as open with a balance of XXXX XXXXXXXXwithout providing verifiable documentation of its accuracy or enforceabilitydemonstrates a failure to comply with this obligation.

Relief Requested I respectfully request that the CFPB take action to : Require Fair Collections & Outsourcing to provide documented proof that this debt is valid, accurate, and legally enforceable.

If such proof can not be produced, compel deletion of this account from my credit file with XXXX XXXX and XXXX 

Supporting Information I have attached copies of my credit report highlighting the disputed entry, along with identification for verification.

I request the CFPBs immediate assistance to correct these unlawful reporting practices and to ensure compliance with federal law.

Thank you for your attention to this matter. I expect confirmation once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-09-26 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: TX

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 2025-09-26 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:
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 non-monetary relief