vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer 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 explanation
Consumer complaint received 2025-08-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
These false records must be addressed within 15 days of notice, as required by USC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

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 non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy 's XXXX XXXX Credit Card Services pry on people of color by adding faultant late fees to a closed Macy card account. 


I just received my payment letter today, on XX/XX/XXXX, for a payment due date of XX/XX/XXXX, late. I don't know what kind of fautant tactics that Macys is using to generate revenue from card holders that always pay late but I never exhibited these actions. 

My billing address was incorrect for a card that was closed 6 months ago therefore I was unable to provide the closed card information. 

I've called up Macy 's customer service on multiple occasions in an attempt to get my address corrected. 

Is XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX the same? No, so my Macy 's billing statement comes late, after the payment due date to accumulate additional late charges ( XXXX XXXX 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 monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
Got a noticed on XXXX  and XXXX  that a company called RECEIVABLE MANAGEMENT has added a debt collection on XX/XX/year>. 

I received no letter or validation of debt or a phone call claiming it was valid. They had my social security number somehow. Debt claimed to be from XXXX XXXX based on the info on XXXX  and XXXX  but there is no balance with XXXX XXXX. Called XXXX  and said they have no record and Ill just have to handle it with Receivable management. Filed a dispute with the credit bureaus and no response. Contacted the debt collector for validation but they aggressively wanted payment with out proof. 


Account numbers also does not match.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding Experians continued reporting of three XXXX XXXX accounts that are inaccurate, misleading, and unverifiable. 

Accounts in Question ( as reported on my Experian credit file dated XX/XX/year> ) : XXXX XXXX  Account XXXX XXXX balance {$3700.00} XXXX XXXX Account XXXX XXXXXXXX balance {$510.00} XXXX XXXX Account XXXX XXXXXXXX balance {$440.00} Problems with Reporting Charge-Offs with Balances Each account is reported as charged off while still carrying a balance. Under Metro 2 reporting standards, a charged-off account should not continue to report as an active outstanding balance unless clear ownership and liability are documented.

Re-Aging of Delinquencies These accounts continue to show monthly CO ( charge-off ) notations into 2025, even though they were previously charged off earlier. This is unlawful re-aging, which artificially extends derogatory reporting beyond the FCRAs 7-year limit. 

Insufficient Verification Provided In response to disputes, XXXX XXXX has provided only copies of billing statements. These are not itemized billing records or contractual proof of liability. 

Billing statements simply show balances and recent charges. 

They do not prove how the alleged balances were calculated from account opening through charge-off. 

They do not include all transactions, fees, and interest charges necessary to verify accuracy. 

They do not establish that I contractually agreed to the amounts reported. 

Without a full itemized billing history and signed credit agreement, Experian and XXXX XXXX have not met their duty under FCRA 611 ( a ) to conduct a reasonable reinvestigation. 

Consumer Harm Reporting three separate XXXX XXXX charge-offs with ongoing balances misleads lenders and unfairly inflates derogatory data against me. This violates Experians duty under FCRA 1681e ( b ) to ensure maximum possible accuracy.

Violations FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) : Failure to delete unverifiable information.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

Metro 2 Standards : Improper reporting of charge-offs with balances and re-aging of delinquency history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XX/XX/year> - {$100.00} fraudulent charge was made on my SoFi credit card XX/XX/year> - I reach out to SoFi and report the fraudulent transaction ( 2 total transactions, the other transaction was already refunded by the merchant ) Call multiple times, chat once, all in attempts to get more info but can't get any details about concrete timeline or getting a provisional credit. I am on the hook for this fraudulent charge while I have no insight into the process. I have not received any official SoFi communication after the dispute. 

Today is XX/XX/XXXX so there has been ample time to get some kind of info back to me, a provisional credit, or further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MA

Complaint narrative:
I am filing this complaint because TransUnion has failed to properly investigate and remove unauthorized hard inquiries from my credit report. The following inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I previously disputed these inquiries directly with TransUnion and also provided an Identity Theft Report, which under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, requires the bureau to block fraudulent information from my credit file within 4 business days of receiving proper documentation. Instead of honoring my rights under federal law, TransUnion is wrongfully forcing me to obtain letters from each creditor a burden that the FCRA does not place on the consumer.

TransUnions so-called investigation consisted only of contacting the creditor and accepting their response, without providing me proof of written authorization for the inquiries. This is not a reasonable investigation as required under FCRA 611 ( 15 U.S.C. 1681i ). By failing to remove unauthorized inquiries after receiving both my dispute and my Identity Theft Report, TransUnion is willfully violating the FCRA and causing continued harm to my credit and financial opportunities.

TransUnions refusal to comply with its statutory obligations under the FCRA is unacceptable, and I am asking the CFPB to hold them accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
My credit profile here contradicts my well-documented financial behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Paid a down payment and received the car XX/XX/XXXX and did a voluntary repo where I asked them to come pick up the vehicle after losing my job in early XXXX around 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 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I am currently XXXX XXXX XXXX XXXX in Louisiana and would like to have XXXX  benefits applied to my account. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I am a California resident on XXXX benefits ( XXXX XXXX ). I have maintained a checking account with Morgan Stanley Private Bank ( E * TRADE ) for about a year. On XX/XX/year>, my first direct deposit from XXXX XXXX was sent to this account. 

Shortly after receiving the deposit, the bank restricted my account and refused to allow me access to my own funds. I repeatedly called and verified my identity, submitted my claim summary, and verified linked external accounts through their process. Despite completing all verification steps, my account remained restricted. 

On XX/XX/year>, I was told the bank decided to end our relationship. I was instructed to go to a XXXX XXXX XXXXXXXX XXXX for a cash advance, which failed. I was then told to upload my ID and a signed letter, which I did. The bank then said my signature ( signed through XXXX ) was not valid. 

Finally, after hours of being on hold, one representative initiated a wire transfer of my funds ( {$1300.00} ) to my new account at XXXX ( XXXX XXXX XXXX I received a wire reference number. However, on XX/XX/year>, I received another notice that my account features were disabled due to unusual activity. This has caused serious hardship, as I could not pick up my prescribed medications and I rely on XXXX benefits for survival. 

I believe this conduct is unfair and harmful, especially toward a customer with a XXXX. I am requesting immediate release of my funds and an explanation of why my account was restricted despite proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-08-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am reporting identity theft regarding multiple unauthorized accounts that are inaccurately appearing on my Experian credit file. I did not open or authorize the XXXX XXXX account ( opened XX/XX/XXXX, {$430.00} charged off ), the XXXX XXXX XXXXXXXX account ( opened XX/XX/XXXX, {$830.00} charged off ), or the XXXX collection account ( opened XX/XX/XXXX, {$4900.00} balance ). I have submitted disputes and CFPB complaints with supporting evidence. Some companies, like XXXX, have even denied account ownership but requested more time to investigatecontradictory behavior. These accounts were opened and reported without my consent, and I request they be permanently removed from my credit file as they are the result of identity theft.

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 2025-08-20 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: FL

Complaint narrative:
I see that incorrect accounts continue to appear on my credit report, and they have not been removed. I request a thorough review of the attached documents so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX Email : XXXX Date : XXXX XXXX To : Wells Fargo Bank , N.A . 
XXXX  XXXX XXXX XXXX XXXX, CA XXXX Dispute of Credit Card Charges Wells Fargo XXXX XXXX, ending in XXXX Dear Wells Fargo Dispute Resolution Department, I am writing to formally dispute a set of charges that were re-applied to my Wells Fargo XXXX XXXX XXXX ( ending in XXXX ). I previously filed a dispute for these charges, but I was later notified that they were reversed in favor of the merchant. I respectfully request a thorough review, as I believe this decision was made in error and is unfair. 

The charges in question occurred on XX/XX/year>, and XX/XX/year>, totaling approximately $ XXXXThey include : Two charges of {$600.00} Two charges of {$330.00} Two charges of {$17.00} I never received the services for which I was charged. Specifically : I did not reach my intended travel destination. 
I was unable to contact the merchant ( XXXX XXXXrelated travel provider ) despite multiple attempts, including at the airport. 
I could not create an account or access their online system to manage or resolve the issue. 
I received no assistance from the merchants customer service despite repeated efforts. 

As a result, I paid for services that were never provided. I am a long-time Wells Fargo customer, and I trusted the dispute process to protect me from unfair charges. Unfortunately, I feel my case was dismissed without proper consideration of the facts. 

This situation has placed me under extreme financial hardship. I am a XXXX  mother, and losing {$2000.00} for services I never received is devastating. I respectfully request : 1. A reconsideration of my dispute and reversal of these charges.

2. A copy of all documentation the merchant provided to justify these charges.

3. A clear explanation of why Wells Fargo initially credited me and then later re-applied the charges.

I have been a loyal Wells Fargo customer for years, and I am deeply disappointed with how this has been handled. I am asking for fairness, transparency, and protection as your customer.

Thank you for your time and for re-reviewing my case. I look forward to your prompt response. 

Sincerely, 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
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
When kohls joined capital credit card company, they stopped using paperless. They mailed the bills to me. I tried to get it back to paperless online. But I got the error message. And they started mailing me bills last year. I prefer that my account is in paperless!

Company response to consumer: Closed with explanation