vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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 XXXX. 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. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( 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 XXXX ( 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 XXXX 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 2025-12-03 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: NC

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 explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute 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 XXXXXX/XX/XXXX Balance {$1500.00} Issues : Verification of these accounts has not been provided. 

There may be reporting inconsistencies compared to other bureaus. 

Request I am requesting that Equifax : Verify the accuracy of each charged-off account. 

Provide documentation showing account ownership, balance, and status. 

Remove or correct any accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 a consumer who is actively working to fix my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved accordingly. 

EQUIFAX ( EQ ) Personal Information : Address : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX and XXXX, 2025, I was defrauded through XXXX, a third-party service, losing {$4500.00}. I reported the fraud to Wells Fargo immediately, but they refused to recover the funds, citing XXXX third-party status. All evidenceincluding screenshots, transaction records, and communicationsis attached. I am seeking recovery of my money through legal action.

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 2025-12-03 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 have reviewed my credit report and discovered several accounts and inquiries that contain inaccurate information. I am disputing these items for further investigation. 

CHARGED OFF : 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 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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Received a phone call from XXXX They asked for full address and last 4 of ssn. 
They knew the amount I owed on the card, but tried to persuade me that I sent my check to pay the card in full to the wrong address. They then gave an entirely different address and insisted I pay over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

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 " US BKPT XXXX XXXX XXXXXXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  Bankruptcy Court Main Office- 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 2025-12-03 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: MS

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 " US BKPT XXXX XXXX XXXXXXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX  Bankruptcy Court Main Office- 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: UT

Complaint narrative:
This is the second time Upgrade Inc. has suspended my account without providing a reason. In XXXX I submitted complaint XXXX because Upgrade suspended my account. After nearly two weeks they sent an email saying that I could use my account again and did not provide any explanation for the suspension reason nor did they credit my account with the interest due during the suspension period. 

Yesterday, Upgrade again decided to suspend my account for no apparent reason. I called them, including today and they were not able to explain the reasoning behind this suspension and simply told me that their team is investigating. These are the same delay tactics they used last time ( XX/XX/year> ) and prevents me from understanding this issue and accessing my savings. I can not afford to wait two weeks, especially with the holiday season, to access my account.

This is a substantial problem as I did not think that after their first mistake, Upgrade Inc. would make a second mistake. Suspending an account for no reason is detrimental as I need to make several payments and my money is tied up until they decide it should not be. I am disappointed with their inability to process urgent matters and lack of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because Equifax is reporting charged-off accounts and hard inquiries that I believe are inaccurate, inconsistent, or unverified. Prior disputes have not produced sufficient verification or documentation. 

Charged-Off Accounts in Dispute XXXX Acct : XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} Issues : I have not received documentation verifying ownership, balance, or account status. 

Reporting may be inconsistent with other bureaus. 

Hard Inquiries in Dispute 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 XXXXXX/XX/XXXX I do not recall authorizing some of these inquiries, and no documentation has been provided to verify them. 

Request I am requesting that Equifax : Conduct a full reinvestigation under FCRA 611.

Provide documentation validating each account and inquiry. 

Remove any items that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am filing this complaint because Wells Fargo denied my fraud claim even though multiple transactions on my account were clearly unauthorized. My account is now negative thousands of dollars due to activity I did not perform, and Wells Fargo is refusing to reopen or correct the claim. 

On XX/XX/XXXX, I called Wells Fargo to report that someone had gained access to my account and made several transactions without my permission. I explicitly told the representative that ALL of the transactions from XX/XX/XXXX that I did not recognize needed to be included in the dispute. 

However, Wells Fargo only included four transactions in the claim : {$1000.00} ATM withdrawal {$30.00} purchase at XXXX XXXX  {$39.00} purchase at XXXX XXXX {$2100.00} XXXX XXXX  transfer All four were marked as unauthorized by me, yet Wells Fargo still denied the claim. 

The much bigger issue is that Wells Fargo failed to include several major fraudulent transactions, even though I reported them : {$4900.00} returned check / deposited item activity {$4900.00} ATM check deposit on XX/XX/XXXX that I did not make {$3000.00} ATM check deposit on XX/XX/XXXX that I did not make Adjustment to ATM deposit I did not authorize Multiple XXXX transfers I did NOT send Multiple ATM withdrawals I did not make Additional purchases in XXXX, GA that were not mine These missing transactions add up to thousands more dollars that Wells Fargo completely ignored in my fraud claim. When I called today to ask why these transactions were not included and why the claim was denied, the representative told me there was nothing they could do and refused to reopen the claim. 

I reported this fraud promptly. I did not authorize any of these transactions, I did not benefit from them, and the activity does not match my spending habits at all. The pattern clearly shows that someone gained unauthorized access to my account. 

Wells Fargos denial violates Regulation E, because : They failed to include all disputed transactions They failed to properly investigate the unauthorized activity They denied the claim without explanation They refused to reopen the case even after I notified them of missing transactions

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 2025-12-03 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I received two parking tickets on XX/XX/year> and XX/XX/year> the first for XXXX and the second for XXXX and didnt realized I had paid them on my apple card, so i didnt initially recognize the transactions, and disputed them. 

they were charged back to my card, leading to a boot being put on my car, so I had to go to the XXXX XXXX XXXX XXXX and pay off the boot in cash. I sent a receipt proving I paid off the boot fee which included the previous parking tickets to Apple Card Support. I also provided the contact information for the two parties involved ( XXXX XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX ) to the support team and have been disputing these transactions continuously for over a year. Ive been informed that the support team is unable to get reimbursement from the merchant, but I dont see how thats my problem considering im the one getting charged twice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: UPGRADE, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX Email : XXXX Phone : XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint Against UPGGRADE INC for Failure to Provide Requested IRS Form 1099-C To Whom It May Concern : I am filing this complaint regarding UPGGRADE INC , which has refused to provide me with a copy of IRS Form 1099-C for a debt they have indicated was written off.

I previously contacted UPGGRADE INC and formally requested a copy of the 1099-C form, which they are legally required to issue if they have cancelled or forgiven any portion of my debt. Despite repeated attempts, the company has refused to send the form or provide a valid explanation.

Under IRS regulations, creditors must issue Form 1099-C when {$600.00} or more of a debt has been cancelled. This document is necessary for my tax records and proper financial reporting. Their refusal to provide it is creating unnecessary hardship and preventing me from completing tax requirements. 
I respectfully request the Consumer Financial Protection Bureau to : 1. Investigate UPGGRADE INCs refusal to provide the required 1099-C.

2. Require the company to send me a complete and accurate copy of the form.

3. Ensure the company complies with all IRS reporting laws and federal consumer protection am prepared to provide supporting documentation, including call logs, written communications, and any other evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 )
Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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