vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: SC

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 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was supposed to get my ssi payment of XXXX on the XXXX th of XXXX i was never informed that it even had deposited i had to call the ssa to trace where my check went and they said it was deposited and chime is saying I spent it how could I when i never knew it was there i had to go back and look at all my transactions theres no way I spent XXXX dollars and i have called them about 20 times and got hung up on about 6 times they keep saying i spent it and wont release my check how could I spend it when i never knew i haf it I spent the XXXX from my paycheck that was it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Hi I applied for two credit card with American Express. Both incidents lead to unprofessionalism, confusion and injustice. The first time I called I was transferred to 5 different people, for who all told me that they have never encountered such difficulty with the system. I was told 3 very different steps to remedy a problem, that all clearly lack knowledge on a real solution and was lead down a rabbit hole due to their incompetency. One agent told me that my credit was locked and to unlock it. The next agent told me update my phone number and I did. The other agent told me that I had to reapply all over which lead me to apply for the second card. The company put me through much distress and un-necessary action that lasted for weeks wasted out of my schedule. I called and asked why was I denied even after I went through the torture of following all their recommended steps, that I now know was their way of just keeping me busy because they did not know how to fix the issue at hand. The answer they gave was " I didn't have any other credit cards. '' This is not a sufficient reason to denied someone. I have a high credit score and I am entitled to a card with a good balance. These banks have become more and more fraudulent since trump has been in office and this is a direction violation of my rights. according to the 1977 Community Reinvestment Act ( CRA ) I am allowed to be granted loans or credit because I am a minority, female and Muslim. Specifically, I believe there may be : Violations of CRA intent and obligations under OCC, Federal Reserve, and FDIC oversight ; Unfair, deceptive, and discriminatory practices, which may fall under the Consumer Financial Protection Bureaus jurisdiction ; Potential civil rights violations, which may be subject to the U.S. Department of Justice Civil Rights Division ; Failures to equitably reinvest in underserved communities, which may require review by the U.S. Department of Housing and Urban Development ( HUD ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint regarding unauthorized transactions made to my Wells Fargo debit card by Meta ( XXXX ). The total disputed amount is approximately {$7000.00}. 

A significant portion of these charges were made without my authorization, after an unauthorized party gained access to my Meta Ads account and my business page ( XXXX XXXX ) without my permission. 

I reported this immediately to XXXX and asked for a refund, but no resolution was provided. 
Wells Fargo also has not refunded the unauthorized charges and has not provided any meaningful update.

I am requesting a full investigation and review under Regulation E, as these were unauthorized electronic fund transfers.

I need Wells Fargo to : 1. Refund the unauthorized charges.

2. Provide updates regarding the dispute.

3. Ensure my account is secure. 



Thank you, XXXX XXXXXXXX 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 2025-11-21 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: MD

Complaint narrative:
I am submitting this complaint because Experian is reporting several charged-off accounts and many inquiries that I believe are inaccurate or unverified. I disputed these items with Experian, but they remain on my credit report. I am requesting the CFPBs help to ensure Experian performs a proper reinvestigation. 

The disputed items are : CHARGED-OFF ACCOUNTS DEPTED/XX/XX/XXXXAcct : XXXX XXXX XX/XX/XXXX Balance : XXXXXX/XX/XXXXXXXX XX/XX/XXXX I do not recall authorizing these inquiries and request proof of permissible purpose for each one. 

I am requesting that Experian remove or correct all information that can not be fully verified in compliance with FCRA guidelines.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-21 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: OK

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I am disputing an inaccurate collection account reported by Aldous & Associates for an alleged XXXX XXXX membership. 

This account is not mine and I never signed a valid XXXX contract authorizing this debt. I was never notified of any past-due balance before it was sent to collections. 

The collector has not provided : a signed membership agreement proof of the amount owed proof of billing proof of assignment of the debt This collection is only reporting to TransUnion and is unverified. Under the FDCPA and FCRA, a debt collector must validate a debt before reporting it. 

I am requesting that the CFPB require Aldous & Associates to delete this unverified account from my credit report and cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 XXXX  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 XXXX  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 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 2025-11-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FRCA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681 c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquries have been identified as a result of this breach.

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 2025-11-21 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FRCA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681 c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquries have been identified as a result of this breach.

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 2025-11-21 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:
I am disputing the following items on my Experian credit report. I believe these accounts may contain inaccurate, outdated, or unverifiable information, and I request that Experian conduct a proper reinvestigation. Please remove or correct any items that can not be fully validated. 

CHARGED-OFF ACCOUNTS XXXX XXXXXXXX, XX/XX/XXXX, {$1900.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$5000.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX, XXXX, XX/XX/XXXX, {$2700.00} XXXX, XXXX, XX/XX/XXXX, {$3900.00} XXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX, XXXX, XX/XX/XXXX, {$5400.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$120.00} INQUIRIES XXXX, XXXX XXXX XXXX XXXXXX/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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Please treat this letter as an official request disputing the accounts in question. I am not affiliated with them and did not authorize their setup. Removal and investigation are requested. Documentation is included.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unverified XXXX XXXX  XXXX public record that all three credit reporting agencies Equifax, Experian, and TransUnion are reporting under case/docket number XXXX ( TransUnion lists it as XXXX ). 

The XXXX  information being reported does not match any official record from the XXXXXXXX XXXX XXXX. The bureaus list dates such as Date Opened : XX/XX/year> and Last Activity : XX/XX/year>, but these dates do not exist in any real filing and can not be verified against an authentic court docket. I have repeatedly requested validation, yet none of the bureaus have provided : A certified XXXX  docket A stamped filing Any direct verification from the actual court Complete Metro2-required public record fields ( such as disposition date, attorney information, settled/paid dates ) Reverifying the same inaccurate information without providing proof is a violation of FCRA 1681i ( failure to conduct a lawful reinvestigation ) and FCRA 623 ( furnishing inaccurate or unverifiable information ). 

Additionally, my personal data was included in the Equifax data breach, which increases the risk of mixed files or misattributed records. Because my identifying information was compromised, any unverifiable public record reported under my profile poses a heightened risk of being incorrect. 

The continued reporting of this unverified XXXX  has caused significant financial harm, credit denial, and emotional distress. Since none of the credit bureaus have been able to produce any certified court documentation, and because the data reported is incomplete, inconsistent, and inaccurate, I am demanding the permanent deletion of this public record under the FCRA. 

I am requesting CFPB assistance in ensuring that Equifax, Experian, and TransUnion remove this unverifiable bankruptcy from my credit file immediately and provide written confirmation once done.

Company response to consumer: Closed with explanation