vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: IN

Complaint narrative:
I was in bankruptcy in XXXX which was dismissed. I was emailed mid XX/XX/XXXX informing me that my account has went to collections. I requested a verification of the debt which I was provided on XX/XX/XXXX. a breakdown which included XXXX collection fees. I was never contacted in XXXX or was my account sent to collections in XXXX. I received zero letters notices or contact from the timeshare company. This is for maintenance and taxes on a timeshare. when I reached out to the timeshare company they inform me that they don't know why I was assessed for XXXX collections fees but they assume because the account maintenance and taxes are due for XXXX and XXXX. I asked the company to remove the assessment fee since I was not in collections in XXXX and they advise me that those fees are assessed est by the third party collection company meridian financial. I contacted meridian financial who told me that XXXX XXXX XXXX is the one that assesses the collection fees and they would have to approve to have those 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 2025-08-14 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:
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 2025-08-14 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: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal information to open these accounts. Ive never gave anyone permission to open these accounts without my 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 2025-08-14 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 a victim of identity theft, someone has used my personal information to open these accounts. Ive never gave anyone permission to open these accounts without my 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 2025-08-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 A XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS AND CERDIT INQUIRIES ARE ALL FRAUDULENT AND NEVER AUTHORIZED BY ME. THESE ACCOUNTS NEED TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX XXXX {$40000.00}

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$140000.00} Late payment notations for XX/XX/XXXX ( 90 days late ) and XX/XX/XXXX ( 120 days late ) while in active deferment. No payments were due during these months. 

XXXX XXXX XXXX XXXX Original Balance {$17000.00} Shows a {$2700.00} charge-off in XX/XX/XXXX despite the account being paid/closed. 

Incorrect Name & Addresses Misspelling of my name and three outdated addresses still listed.

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Wells Fargo for wrongfully revoking my debit card for a period of 12 months without providing any prior notification, written notice, or explanation. 

On XX/XX/year>, I learned that my debit card had been deactivated and access to my account restricted. This action was taken without any warning, letter, email, or phone call. I was left unable to use my funds, causing significant inconvenience and financial hardship. 

To date, the institution has failed to provide a clear explanation or justification for this action, nor have they cited any policy or legal basis for a year-long restriction. Their lack of communication violates basic standards of transparency, fairness, and good faith dealing that consumers are entitled to expect. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure that my rights as a consumer are protected, that I receive a written explanation from the institution, and that corrective action is taken to restore my access and prevent further harm. 

I am prepared to provide all related account records, correspondence, and other documentation to assist in your review. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today at XXXX XXXX  I received an email from Chime XXXX XXXX saying they detected a new login to my Chime account. I do not and have never had a Chime account. XXXX minute later at XXXX XXXX  I received another email saying my credit builder card has been shipped ( to an old address I no longer am associated with ). I spoke with customer service at Chime and they told me in order to open an account they only need a name, address, and picture ID ( which could essentially be anything ). No SSN required to start using the service, which does affect credit scores! And very easy to open an account using someone elses identity. After reading about people with similar experiences with this company online, I felt it was my duty to report this company because they clearly do not have the appropriate security measures in place to protect against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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. 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!

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
I first noticed I could not add a new bank account from XXXX Bank, and informed Ally XXXX reps of the issue. I later noticed I was unable to add other bank accounts as well and another XXXX filed a ticket with that information. Today I called asking about the first ticket XXXX, and was informed that this was an issue with the other bank ( false ), and mentioned to the XXXX about the other ticket XXXX which includes that same bank account and XXXX others I was unable to add because of the same issue. I would like the ability to add accounts for external transfers restored to a working state. I suspect I might have hit some odd lifetime maximum of accounts I'm able to link at Ally bank, but Ally bank refuses to admit this or address the issue in a reasonable manner, and I'm not able to contact their backend directly.

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 2025-08-14 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: 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 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 explanation
Consumer complaint received 2025-08-14 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: 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 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 2025-08-14 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: DE

Complaint narrative:
On my Experian credit report, the following hard inquiries appear without my knowledge, authorization, or any permissible purpose : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have never applied for credit, loans, or services with these entities. Under 15 U.S.C. 1681b, a credit reporting agency may only include inquiries if the creditor has a permissible purpose and my explicit consent. These conditions were not met. 

Experian has repeatedly dismissed my disputes without producing documented proof of authorization from the furnishers, which violates FCRA 611 ( failure to conduct a reasonable reinvestigation ). The law requires Experian to verify disputed information with the source, not merely confirm that the furnisher reported it. 

Experians failure to remove these inquiries without proof constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, entitling me to damages.

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 2025-08-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-08-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TN

Complaint narrative:
I woke up XX/XX/year> to my cash app being closed. I contacted the company they told me to file an appeal and I did the only thing I do with my cash app is people that I know will send me money and I would send people money that I know and I even make purchase with my bank card. well it took them a week to email me back and said I violated the rules but everytime I ask them how they will not tell me at all and is being very rude about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
It started getting a wire transfers from XXXX of XXXX chase refused to send it through it got sent back which XXXX took time to find the check. They were able to send me a check of XXXX. I went back to upgrade my account so I can put the XXXX. Next day I sent a wire transfer of XXXX it knew who I was sending it to. I want my XXXX that I have left that I can get my XXXX  i am completely out. It is XXXX. I told them this they didn't care. I just want my funds I need to pay my debts. I have done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Experians ongoing violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ). 
The account in question, furnished by XXXX XXXX, account number XXXX is the result of identity theft and has already been reported to the Federal Trade Commission ( FTC ). I have provided Experian with my valid FTC Identity Theft Report and supporting documentation in accordance with 15 U.S.C. 1681c-2 ( a ), which requires a consumer reporting agency to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving proper documentation. 
Despite receiving this documentation, Experian has : Allowed XXXX XXXX to place, remove, and then reinsert this same negative account information on my credit report. 
Failed to provide me with the required re-insertion notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Continued to report inaccurate and unverifiable information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy of consumer reports. These actions have caused ongoing harm to my credit profile, financial
opportunities, and personal reputation. Experians continued reporting of this account is unlawful and must be corrected immediately.

I am requesting that the CFPB take enforcement action to ensure that Experian : Permanently blocks the XXXX XXXX account from my credit report in compliance with 15 U.S.C. 1681c-2.

Ceases any further re-reporting or reinsertion of the account.

Provides written confirmation that the account has been removed and blocked. 
Please find attached my FTC Identity Theft Report, prior dispute correspondence, and a copy of my government-issued ID for verification. 
Thank you for your prompt attention to this matter.

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