vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am submitting this formal complaint regarding EXPERIAN 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XXXX, I disputed several fraudulent accounts and provided EXPERIAN with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EXPERIAN failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores EXPERIAN 's failure to uphold consumer protections 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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
Wise has suspended my XXXX account under the pretext of address verification failure. Over the course of several months, I have submitted : Utility bills showing the LLCs name and service address for income-generating property, - State-issued tax documents with the businesss operating address, and - Bank statements showing consistent XXXX activity and matching the declared address. 
- federal tax documents All of these clearly show a physical XXXX address held by the XXXX and used in the course of business. Despite this, Wise has rejected each submission, without giving a specific, actionable reason, and without escalating the matter through any transparent process. 

After over XXXX attempts to resolve this in good faith, it is clear that Wise is not conducting legitimate address verification. Their behavior appears intended to : XXXX or obstruct access to XXXX  account functionality, Coerce disclosure of documents beyond regulatory necessity, Or use verification as a pretext to mine customer data beyond whats reasonable or disclosed in their published standards. 

Every other financial institution I deal with accepts the exact same address and documents. Wise stands alone in refusing what is, by any objective measure, full compliance. 

Remedy requested : Immediate reinstatement of XXXX  account access, Written explanation for each rejected document, Disclosure of Wises internal escalation policy, Confirmation that Wise is not using internal address verification for anti-competitive, profiling, or data-mining purposes under the guise of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX, my American Express account was charged {$250.00} by a vendor with the following name " XXXX. '' I have no such vendor relationship and reported the fraud to American Express on XX/XX/XXXX. Amex provided the vendor contact information to dispute the calll. According to the information provided the company is in XXXX XXXX with a phone number of ( XXXX ) XXXX. However, calling the number revealed that this is phone number in XXXX, and only a voice recording answers the number. 

This in the second time my household has been victimized. On XX/XX/XXXX, the same company changed {$100.00} to my wife 's American Express account. She refuted the charge, but AMEX refused to refund her the amount. 

AMEX acknowledged that this company is not affiliated with AMEX, but they continue to process charges from this likely fraudulent entity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
XXXX  and XXXX XXXX have only partially resolved our account issue related to a major fraudulent attack between XXXX and XX/XX/year>. After XXXX months of delays, we finally received a refund check for {$7200.00}, and they waived a XXXX XXXX collection balance an acknowledgment of responsibility. 

However, {$1200.00} was withheld for Backup Withholding ( BUW ), even though our XXXX was properly provided when the account was established. We have repeatedly requested clarification and documentation explaining why XXXX was applied and how those funds can be released, but we have received no response. 

This prolonged mishandling caused significant business harm our active subscriptions dropped from over XXXX to fewer than XXXX, resulting in more than {$1000.00} per month in lost recurring revenue and severe reputational damage. XXXX also spent countless hours trying to get answers, while XXXX, who was also involved in related transactions, reviewed the situation promptly and refunded all affected funds without delay. Their account XXXX, XXXX, personally assisted us for over XXXX hours on recorded calls documenting the repeated transfers between Fiserv, XXXX XXXX, XXXX XXXX, and XXXX departments with no resolution.

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 2025-10-14 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:
I am writing to advise that I am a victim XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$12000.00} BANKRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo XXXX XXXX XXXX. 
I had over {$600.00} in my Venmo account on XX/XX/XXXX, {$590.00} was wrongfully taken out of it. 
Starting at XXXX on XX/XX/XXXX and ending at XXXX XX/XX/XXXX, XXXX transactions occurred in my Venmo account without my authorization. XXXX transaction of {$8.00}, XXXX transaction of {$48.00}, and XXXX transactions of the same charge of {$88.00}. 
XXXX XXXX XXXXXXXX  is the name on the transaction. 
Location : XXXX, NY. 
Business : XXXX  Months old. No service or product listed for purchasing. Residential address. 

I had gotten in contact with Venmo over the phone on XX/XX/XXXX. They began the dispute process on XX/XX/XXXX at XXXX EST once the transactions were out of the " Pending tab '' & in the " Completed '' tab within Venmo ( I had called them in the morning on the XXXX & I could then see then that the disputes went through ). I was told that this is very " suspicious ' activity & the representatives over the phone were " hopeful '' the disputes were going to be in my favor. 

On XX/XX/XXXX at XXXX EST, I received information that the disputes ( XXXX of them for each transaction ) were resolved & denied. They mentioned in each reasoning the following : " After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. This decision was made because this transaction was not unauthorized. '' I have since appealed the decision with Venmo on XX/XX/XXXX at about XXXX EST by uploading electronic documents to Venmo XXXX I have yet to receive confirmation that they have received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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: NC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I am writing regarding my student loan accounts that were reported as XXXX  days delinquent on my credit report. These delinquencies appear to have occurred during a period when I was still affiliated with XXXX University XXXX XXXX XXXX XXXX, but temporarily not enrolled due to documented family matters. Also, when I was in the process of transferring to XXXX XXXX XXXX. 
Because my loans should have been placed in in-school deferment or temporary forbearance, these late payments were reported in error and do not accurately reflect my repayment intentions or history. I am currently a student again and remain committed to maintaining my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: FL

Complaint narrative:
I settled my account with possible finance on XX/XX/XXXX and they would not give me a pay off leyter untill XX/XX/XXXX which has a different number than the credit company has they will not speak to the credit company to confirm it is closed as well as will not report it as closed to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX called let them know the balance owed and last pay date reported on all 3 reports were first all different info on all 3 let alone non of the info on either 3 reports were correct they said by XXXX be fixed look today was again updated on the XXXX with wrong info when all correct info was to be updated the end of XXXX and wasn't I also had disputes with credit agencies and they still did not update correct info and I submitted my proof along disputes they still did not update correct info it's affecting my credit I paid to XXXX since I was XXXX out needed credit higher to buy a car and only card still affecting my credit actually even dropped my score was maxed out and on XXXX reports it went from showing I owed half which I did months ago to XXXX out after I paid them off weeks prior to my billing cycle ended and way before was due so it show XXXX when my credit updated!

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 2025-10-14 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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