vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MI

Complaint narrative:
I discovered an account from Comenity Bank/VCTRSSEC on my credit report that I never opened or authorized. The account is listed as a revolving charge account, opened on XX/XX/XXXX, with a high balance of {$910.00} and a credit limit of {$250.00}, and was reportedly closed on XX/XX/XXXX. 

I contacted Comenity Bank/VCTRSSEC directly to dispute this account and requested verification, including a copy of the original signed contract, full account statements, and any documentation proving that I am legally responsible for this account. Despite my request, the company has not provided any documentation to substantiate the account, yet it continues to appear on my credit report.

This account is being reported without my consent and may be inaccurate, which is harming my credit report and score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, furnishers of information are required to conduct a reasonable investigation and provide documentation when a consumer disputes the accuracy of an account. I am requesting a full investigation into this account, verification with supporting documentation, or deletion from all credit reporting agencies if verification can not be provided.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Spamming phone calls and they have used different numbers to call from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/year> ]

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 2025-11-13 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Opened a dispute with XXXX 's XXXX XXXX on XX/XX/year> claim # XXXX and they took all the way to XX/XX/year> to complete it! However, they didn't resolve the issue. I returned in store XXXX packs of packing paper unopened at {$11.00} each. The receipt I have shows the XXXX packs returned but only {$59.00} was refunded to me. I disputed the amount with XXXX per customer service desk. They wouldn't help me resolve the issue either after tons of phone calls with them. So opened a dispute with XXXX 's XXXX XXXX as that's the card I used. However, it only shows the {$59.00} refund. XXXX still owes me {$71.00} on my return! The total of the return was {$130.00} in which I did NOT receive! XXXX 's XXXX XXXX ( Synchrony Bank ) will not research this in full nor obtain proof nor give me my full refund due!!! I am still owed {$71.00}!

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 2025-11-13 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank created a debit card in my name without my consent. I asked for this to be removed from my account but it still shows up on my account information and I still have a popup asking me to activate this card XXXX weeks after I asked for it to be canceled and removed.

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 2025-11-13 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MI

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2025-11-13 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: TX

Complaint narrative:
I am filing this complaint to formally dispute inaccurate information on my TransUnion credit report and to request an investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 

On the day of me filing this dispute, I obtained a copy of my credit report and found an account listed by " XXXX XXXX XXXX XXXX XXXX '' for {$110.00}. This is the XXXX  time I am disputing this item with TransUnion. 

I have no knowledge of this account with XXXX  or the original creditor XXXX XXXX XXXX The account is not recognizable to me, and I have never received any communication from this debt collector about it. I believe this information is inaccurate and unverifiable. 

Therefore, I request that TransUnion conduct a reinvestigation of this item as required by FCRA 1681i. Specifically, I dispute the account in its entirety, including : The existence of a valid debt. 
The account ownership. 
The balance. 
The accuracy of all dates and statuses. 

As part of its investigation, I require TransUnion to obtain and review specific documentation from the furnisher, The XXXX XXXX XXXX XXXX, to verify the legal standing and accuracy of this account. This must include : XXXX. The complete chain of debt ownership, evidenced by the bill of sale or assignment agreement that specifically lists my name and the alleged {$110.00} account. 
XXXX. The original contract or agreement with my signature, proving I have a legal obligation to the original creditorXXXX XXXX XXXX XXXX XXXXf this information, particularly the proof of ownership and a valid signed agreement, can not be verified as accurate and complete within a reasonable time, the account must be permanently deleted from my credit file.

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 2025-11-13 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: FL

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts and inquiries on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 

Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-13 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 have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-13 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: TX

Complaint narrative:
I am filing a complaint concerning Equifaxs failure to correct inaccurate reporting and failure to properly reinvestigate my disputes. I sent Equifax a detailed written dispute outlining severe deficiencies in personal identifiers, inquiries, and derogatory account reporting. 

Equifax is reporting multiple inconsistent name variations, outdated addresses, incorrect employment information, and insufficient personal identifiers. These do not match my accurate, documented identity information. 

Equifax also reported inquiries that have no proven permissible purpose, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Equifax failed to verify these inquiries or provide any documentation demonstrating compliance with FCRA or XXXX standards. 

Equifax is also reporting derogatory accounts lacking proper verification and XXXX required fields, including : XXXX CARD COFF XXXX XXXX Federal Credit Union COFF Alleged These items demonstrate missing fields, inconsistent information between bureaus, unproven account status, and failure to demonstrate accurate portfolio type, payment history, compliance codes, ECOA codes, and other mandatory XXXX fields. 

Despite my detailed demands for Section 609 full-file disclosure and Section 611 reinvestigation procedures, Equifax has not provided any documentation, nor proof of investigation procedures, results, or data source validation. Equifax has not complied with FCRA 602, 607, 609, or 611 requirements, nor with XXXX accuracy standards. They have also ignored my direct written disputes. CFPB intervention is necessary to compel compliance and correct the harmful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally address a persistent issue regarding unauthorized charges on my Citi credit card ending in XXXX that requires urgent resolution. 

In XX/XX/XXXX, a fraudulent charge of {$1100.00} was made for " XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX. '' I promptly reported this to Citi, and the amount was credited back to my account on XX/XX/XXXX. However, this credit was reversed on XX/XX/XXXX. 

Despite this, in a letter dated XX/XX/XXXX, Citi provided a copy of the merchants response, which is essentially a duplicate of the transaction or use details : the purchase of XXXX XXXX XXXX tickets at XXXX XXXX in XXXX, MA ( order number XXXX, purchased on XX/XX/XXXX, at XXXX XXXX ), with merchant contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX. 

Citi has since closed my original credit card ending in XXXX and issued a new card ending in XXXX XXXX XXXX XXXX Despite my repeated effortsincluding multiple contacts in XXXX, XXXX, XXXX, and XXXX XXXX has yet to uphold its " {$0.00} Liability on Unauthorized Charges '' policy. The disputed charge remains unresolved, and the reversal of the credit is highly concerning. 

As a long-time cardholder, I trusted Citi to honor its commitment to protecting me from unauthorized transactions. This charge is unauthorized uses of our credit card because they were made by a person who does not have actual, implied, or apparent authority to use the credit card, and we, the cardholders, have received no benefit from the usage. In accordance with the Fair Credit Billing Act, 1026.12, our liability shall not exceed {$50.00} for this or any unauthorized use of our credit card.

The information and evidence provided hereafter shows 1 ) the charges themselves are suspicious and should never have been allowed by Citi Bank ; 2 ) we did not authorize the charges ; and 3 ) Citi Banks reasoning for considering the charges valid are flawed. 

Thank you for your immediate attention.

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 monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX  Date Opened : XX/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 2025-11-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX  PST, I called Wells Fargo customer service at XXXX to request information about sending a wire transfer. The representative identified himself as XXXX ( spelling uncertain ). 

The agents conduct during the call was extremely unprofessional and concerning : He left the phone line open for long periods without placing me on hold. I could clearly hear background noise and even his breathing, but he did not speak or provide any explanation. 
When I asked questions about wire transfers, he repeatedly said he could not help and did not offer any alternatives or connect me with the correct department. 
When I politely asked to be transferred to someone who could help, he transferred my call to a dead line with no one on the other end, forcing me to hang up. 
The agents tone shifted noticeably after hearing my name. As an XXXX XXXX  customer, the sudden change to a dismissive and disrespectful tone caused me to be concerned about potential discriminatory treatment based on race or national origin. 

This interaction prevented me from getting the information I needed about a wire transfer and created unnecessary stress. It also raised serious concerns about fair treatment, professionalism, and compliance with anti-discrimination and customer protection standards. 

I am requesting that Wells Fargo : 1. Review the full call recording from the date and time listed above.

2. Identify the agent and take appropriate corrective action.

3. Provide a written response explaining the findings of the investigation.

4. Confirm that customer service interactions comply with CFPB standards and anti-discrimination laws, including fair and equal treatment of all customers.

I am submitting this complaint so the CFPB can ensure Wells Fargo addresses this issue appropriately and reviews its customer service and training 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 2025-11-13 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX, XXXX XXXX XXXX Case No. XXXX Experian Data Breach XXXXXXXX XXXX XXXXXXXX I write as a documented XXXX XXXX and a XXXX XXXX XXXX XXXXXXXX XXXX XXXX identity theft arising from both the XXXX  and Experian data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 
XXXX ) XXXX  XXXX XXXX/ Bal : $ XXXX Open XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation