vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: CA

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 2025-09-10 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: CA

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XX/XX/year> Credit Collection Serv XXXX XXXX XXXX XXXX, MA XXXX To Whom Concern, I have recently pulled my credit report and notified that there is a collection listing from your agency. 
I have never been notified of this collection action or that owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together-=p Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase Bank 1. On XX/XX/year> I initiated an international wire transfer in the amount of {$27000.00}. 
2. A week before I made this transaction I made a " test '' international wire transfer in the amount to {$100.00} to the same account. This " test '' international wire transfer was received by the recipient within 3 business days. 
3. The amount of {$27000.00} was debited from my account but never received by the recipient. 
4. The foreign bank itself has confirmed that they have not received the funds for disbursement.

5. Four ( 4 ) weeks have now passed with no resolutions.

6. I have spent countless HOURS on the phone with no resolution or even interest on Chase 's part to help resolve the issue.

7. I placed a " recall '' on the funds and was told I would have a response from Chase within 10 business days but we are now past 14 business days since the " recall '' request was submitted. 
8. I have written countless messages on Chase 's secure messaging platform on their client login page to no avail with no resolution.

9. Chase is the only one with access to the data and relevant confirmation documentation which they have refused to provide.

10. Chase is the only one who can interact with the foreign recipient bank within the XXXX XXXX platform and they have be reluctant to share any information on the status of this wire transfer. 
11. Bottom line is, I need my money back in my account or I need Chase to open an investigation and ensure the recipient receives the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of a fraud dispute on my account. My initial claim was denied, but I now have new evidence that confirms I was not responsible for the disputed transactions. 

Here are the facts : In XX/XX/year>, I lost my phone while at work. A few days later, the phone was returned to me. During the time it was missing, my sister admitted that she accessed my phone. Because my Wells Fargo login was saved on the device, she was able to bypass Face ID by entering the phone passcode, which allowed her to log into my Wells Fargo account. 

She explained that she had been contacted through XXXX by a scammer who convinced her to deposit fraudulent checks.The scammer sent her two checks through my email address. Following the scammers instructions, she attempted to process the first check through XXXX. When the scammer sent a second check and asked her to deposit it into my Wells Fargo account and return excess funds, she realized something felt wrong and stopped. 

These transactions were performed without my knowledge or authorization. I did not give my sister permission to access my account or deposit any checks. 

Wells Fargo originally denied my fraud claim before I had this information. Now that I have clear evidence showing I was not responsible for these transactions, I am requesting CFPBs assistance in ensuring Wells Fargo reopens and properly reviews my case. I will be providing some documentation showing the things I said. The documentation is XXXX messages I downloaded through the data, the two emails the scammer sent through my emails, and as well as the two checks. 

Thank you for your time 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 2025-09-10 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: NY

Complaint narrative:
This letter disputes the following accounts as inaccurate, unverifiable, and in violation of FCRA, FDCPA, and Metro 2 standards : XXXX XXXX XXXX Acct # XXXX Collection/charge-off reported simultaneously. 
Remarks contradictory : Placed for Collection vs. Loss by Creditor. 
No payment history, truncated account number. Violates 609 ( a ) ( 1 ) & 607 ( b ). 
XXXX XXXX XXXX Acct # XXXX Reported as both Charge Off and Good Standing. 
Missing compliance condition code XXXX  for consumer dispute ( 623 ( a ) ( 3 ) ). 
Payment history missing months, falsifying delinquency timeline. 
XXXX XXXX XXXX Acct # XXXX Conflicting balances ( {$21000.00} vs. {$20000.00} ). 
Contradictory statuses : Charged Off vs. Transferred to Recovery. 
Payment history coded 100 % on-time and severely delinquent simultaneously. 
Violates Metro 2 Field 23 ( Payment History Profile ). 
XXXX Acct # XXXX Balance {$220.00} marked as Charge Off but account closed with XXXX balance. 
No payment history available = unverifiable. 
Inaccurate reporting violates 607 ( b ) and 1681e ( b ).

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 2025-09-10 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:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account has been dormant for years because somebody hacked my account and stole thousands of dollars. I asked them to close my amount years ago 5+ which I thought it was. However, I received an ID alert from my credit monitoring company that stated information was breached via PayPal. I called them to close my account which they refused until I upload my picture ID. I refused due to privacy concerns. I don't trust them with anymore of my data. I have gave them all my necessary information to include name, DOB, address, and social security number, so I verified my identification in every way possible, yet still refused to close my account. I talked to several supervisors and the last one was today on XX/XX/XXXX, and they refuse to close it. My bank account information is still linked with my account and they won't even take that off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
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 2025-09-10 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: NC

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 2025-09-10 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: Experian Information Solutions Inc.
State: NC

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 2025-09-10 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I am filing a complaint against XXXX  for inaccurate credit reporting. XXXX is continuing to report a Credit Acceptance Corp account with a Date of First Delinquency of XX/XX/year>. 

Under the Fair Credit Reporting Act, Section 605 ( a ), negative accounts may not remain on a consumers credit file for more than 7 years from the date of first delinquency. This account is now beyond the legal reporting period.

Both XXXX and XXXX have already removed this account from my credit reports in compliance with the law. XXXX  refuses to do the same and continues to harm my credit profile. 

I am requesting that the CFPB require XXXX to delete this obsolete account and provide written confirmation of the correction.

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 2025-09-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi credit card in XXXX I used the card regularly for about a year, but then stopped using it. At the time it was paid in full. Over the next 12 years, I forgot I even had a Citi card. I had moved several times. While Ive kept the same email and phone number, I moved several times over the last 12 years. I never received a call, text or email from them. Two weeks ago I ran a credit check and saw a 60 day delinquent balance of over {$12000.00} from Citi. I called to report fraud. They took my claim. I called back to follow up and they told me they investigated and found no fraud. They were not able to tell me much else, except the last three charges made : XX/XX/XXXX, XXXX {$150.00} XXXX in XXXX XX/XX/XXXX, XXXX {$310.00} RCSS in XXXX XX/XX/XXXX, XXXX {$380.00} XXXX in XXXX Apparently they are all grocery stores in XXXX. Over {$840.00} in groceries over three days in XXXX was not enough to warrant further investigation into my fraud claim. They did give me an address on record for the account. The address they had on record was in XXXXXXXX XXXX. I have never lived in XXXX. I was not allowed any further information or details about my account since it has been closed and is in collections. 
I believe Citi Bank has been negligent in handling my legitimate fraud claim and I have received no help from them. Only a {$12000.00} bill and a delinquency on my credit report which knocked my credit score back XXXX points.

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