vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX XXXX XXXX for inaccurate and unlawful credit reporting practices. 
This account ( # XXXXXXXX XXXX ) was previously removed from my credit report but has been reinserted without proper written notice as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). The furnisher and credit bureaus failed to provide any documentation verifying that the reinsertion was accurate, permissible, or communicated within five business days as mandated by law. 
Details of the Issue The account continues to be reported as a charge-off with a balance of {$2300.00}, which is inconsistent across all three credit bureaus ( Experian, Equifax, and TransUnion ) XXXX 
I have requested validation and documentation multiple times under FCRA 623 [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which requires furnishers to report only accurate and verifiable information. 
No written validation or supporting records have been provided. 
Under Metro 2 Compliance Reporting Standards, furnishers are required to ensure consistency and accuracy in data fields such as account type, payment history, and status. These standards have not been followed. 
Failure to properly investigate violates FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], which mandates reasonable reinvestigation upon dispute.

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 2025-10-06 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:
This account has nothing to do with me and is being reported in error.

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 2025-10-06 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: CA

Complaint narrative:
This account has nothing to do with me and is being reported in error.

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 2025-10-06 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : AFFIRM XXXX - XXXX * * * * * * XXXXXXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a {$320.00} cash bonus offer to open a Wells Fargo checking account. I went online and opened the account on XX/XX/year>. I entered the code and the information online and opened the account with no deposit. When I got an email a few days later there was no mention of the {$320.00} bonus that comes after making a direct deposit into the account and receiving the bonus offer after 90 days. I called Wells Fargo support on XX/XX/year> and was told the offer code was not received with the application. I was told to go to the local branch. I went to the local branch and the bank employee said that he would close the account that had XXXX balance and that I could go back online and open it again with the code. I followed the instructions and opened the account that day on XX/XX/year> with the code and it appeared to go thru. My XXXX required direct deposit was within the 90 day window on XX/XX/year>. Every month a direct deposit as been made after that. After not receiving the cash bonus of {$320.00} within 30 days after the 90 day period, I called Wells Fargo support. The agent and supervisor said since I opened an account before the offer code account I was not eligible for the bonus. The local branch instructing me to close the account and reopen with the code is the reason I did not receive the {$320.00} cash bonus. I would never have opened the XXXX account if I was informed. This local branch made the mistake and it cost me the {$320.00} bonus.

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 2025-10-06 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:
b'XXXX XXXX XXXX\nXXXX\nXXXX\nExperian Credit Services\nXXXX XXXX XXXX XXXX XXXX\nThis CFPB complaint has been filed to request pursuant to FCRA 605B(15 . U. S. C.\n1681c2) that you, the Experian credit reporting agencys block the information appearing\non my consumer credit report that is the result of identity theft, and fraud within four\nbusiness days of you receiving this complaint. This fraudulent, inaccurateand false\ninformation consist of personal credit card accounts, auto loans, personal loansand open\nend unsecured consumer accounts as follows:\nINQUIRIES:\n XXXX XXXX XXXX  Date: XXXX XXXX XXXX  Date: XXXXnACCOUNTS:\n XXXX XXXX - Account Number: XXXX Date Opened: XXXX, Balance: XXXX XXXX - Account Number: XXXX, Date Opened: XXXX, Balance: XXXX XXXX XXXX XXXX - Account Number: XXXX, Date Opened: XXXX, Balance: XXXX\nThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections\nappearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in\nquestion as well as a copy of the consumer FICO credit report maintained by you which\nshows the said fraudulent items. I do not recognize these accounts, collections and hard\ninquiries as reported. The aforementioned accounts, collections and hard inquiries appearing\non my consumer credit report maintained by you were not opened, made or initiated by me.\nAll of the said accounts, collections and hard inquiries are a result oXXXX XXXX XXXX, and fraud. I\nhave attached a copy of the FTC identity theft criminal complaint case number XXXX  as proof from the US federal trade commission that all of the aforementioned,\nconsumer credit accounts, collections and hard inquiries are in fact a result of identity, theft,\nand fraud.'

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 2025-10-06 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: MD

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX XXXX, at XXXX XXXX in XXXX XXXX, per USPS Tracking #XXXX XXXX XXXX XXXX XXXX XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts:\n XXXX XXXX XXXX (account # XXXX\n XXXX XXXX XXXX - XXXX (ACCOUNT # XXXX)\n\nAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on August 11, 2025, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-10-06 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: LA

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 2025-10-06 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA XXXX, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-06 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: Capio Partners, LLC
State: SC

Complaint narrative:
I am Unaware of this debt I didnt have an opportunity or option to address/dispute the debt please provide the certify receipt stating I was aware of this debt with my signature saying that I received notice of this if not delete this immediately because it is a violation of my fcra consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I sent certified letter requesting verification of the alleged debt, specifically a copy of the Original Purchase Agreement. This agreement must be with the original creditor and signed by all parties involved. Also, a copy of your contract and amendments that shows proof that you legally own this alleged debt and that the amount you are trying to collect from me is accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous of times and reporting discrepancies, My financial institution and chime failed to investigate my claims properly and adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Would just send me another card without refunding my earnings, When chime was shut down and I couldnt access my funds for weeks I couldnt touch my funds for weeks, leaving me behind on bills because chime held my earnings and didnt do anything about it, The XXXX findings indicate that chime has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: OH

Complaint narrative:
I am submitting this request under the Privacy Act to correct and update my personal identifying information as reflected in my credit file ( s ). My identity has been compromised several times, and despite previously submitting certified documentation to all three credit bureaus, my information remains incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this request under the Privacy Act to correct and update my personal identifying information as reflected in my credit file ( s ). My identity has been compromised several times, and despite previously submitting certified documentation to all three credit bureaus, my information remains incorrect.

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 2025-10-06 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: LA

Complaint narrative:
I am filing this complaint because several unauthorized or unverifiable inquiries continue to appear on my credit report. I have disputed these inquiries multiple times, and none of the credit bureaus or furnishers have provided validation, investigation results, or proof of permissible purpose as required by law. 
Despite being marked as in dispute for months, the inquiries have not been verified or deleted, which violates both the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

Details of the Issue : Under FCRA 604 ( a ) ( 3 ) and 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that inquiries are made only with the consumers authorization and for a permissible purpose. 
Under FCRA 611 ( a ), they must conduct a reasonable reinvestigation within XXXX  days of a dispute.

Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting guidelines, furnishers must report only accurate and verifiable data. 
I have never received verification, documentation, or authorization forms for any of these inquiries. Many of these inquiries were from auto and financing companies that I did not give written or electronic consent to access my credit report. 
This violates Metro 2 factual dispute standards, which prohibit furnishers from continuing to report unverifiable or disputed inquiries without validation. 
Inquiries Involved ( Adjust per Bureau ) : For Equifax XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding XXXX  handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  finding indicates that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: GA

Complaint narrative:
I am writing to dispute the continued negative reporting of a late payment for XX/XX/year> on my account with XXXX XXXX. This account has been paid in full, and there is no remaining balance owed.

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 2025-10-06 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 writing to dispute the continued negative reporting of a late payment for XX/XX/year> on my account with XXXX XXXX. This account has been paid in full, and there is no remaining balance owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
Took the loan out in spring XXXX  and was XXXX in XXXX  and never finished school. It should have went into XXXX. Or at the least taken off my record in the 7 year mark like everyone elses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: MI

Complaint narrative:
Took the loan out in spring XXXX  and was XXXX in XXXX  and never finished school. It should have went into XXXX. Or at the least taken off my record in the 7 year mark like everyone elses.

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 2025-10-06 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: MD

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 non-monetary relief
Consumer complaint received 2025-10-06 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: UT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$3000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief