vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle closed my account. My previous tenant flagged a payment she made to me as fraudulent according to my credit union. The tenant owes me money from eviction and now flagged a payment she made to me a fraudulent. Zelle did not verify, as she has made several payments to me prior, they just shut down my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATA INT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FIN AM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CRED - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MA

Complaint narrative:
I called Venmo XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and have been trying to sell, buy, or send crypto for over a month and Everytime I do I get an error message that says " things don't appear to be working right now ''. I have sent them screenshots and been told it's being worked on by an engineer XXXX of the 4 times. I honestly love Venmo but what do I do here? It's now almost XXXX weeks later and my {$400.00} I can't get and I need to pay bills?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 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: AL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These fraudulent inquiries were not me and that is why they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX there was a visa transfer that I did not authorize, I reported the transaction and on the same day the claim was approved. I received an email stating that the claim for {$200.00} was approved and I would receive the adjustment funds on the following day ( XX/XX/XXXX ). I call chime on XX/XX/XXXX because I never received the funds and they escalated the issue, a week later I still had not received the funds and I spoke with a supervisor who also escalated the issue.. this has been an ongoing issue for over a month now, I still have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against Wells Fargo Bank for systematic failure to properly credit payments to my credit card account, resulting in {$6200.00} in missing credits, improper interest charges, and potential credit reporting violations. 
Summary of Violations : XX/XX/year> ERROR : Payment of {$6000.00} debited from my XXXX  XXXX XXXX checking account on XX/XX/year> Wells Fargo only credited {$5900.00} Undercredit : {$89.00} XX/XX/year> ERROR : Payment of {$6100.00} debited from my XXXX  XXXX XXXX checking account on XX/XX/year> Wells Fargo never credited this payment at all Missing credit : {$6100.00} TOTAL AMOUNT IN DISPUTE : {$6200.00} Timeline of Events : XX/XX/year> : Attempted payment of {$5900.00} - RETURNED by bank XX/XX/year> : Retry payment of {$5900.00} - RETURNED by bank XX/XX/year> : Successful payment of {$6000.00} - Wells Fargo incorrectly credited only {$5900.00} XX/XX/year> : Payment of {$5700.00} - Properly credited XX/XX/year> : Payment of {$6100.00} - Properly credited XX/XX/year> : Payment of {$6100.00} - NEVER CREDITED by Wells Fargo XX/XX/year> : Sent formal dispute letter to Wells Fargo Violations : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Wells Fargo failed to properly credit payments Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Potential false reporting to credit bureaus Dodd-Frank Act 1031 ( 12 U.S.C. 5531 ) : Unfair, deceptive, or abusive acts or practices Regulation XXXX  ( XXXX XXXX XXXX ) : Billing error not resolved Harm Caused : {$6200.00} in payments not credited Estimated {$850.00} in improper interest charges ( XXXX 2025 ) Unknown late fees and penalties Potential credit score damage Time and stress dealing with this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MO

Complaint narrative:
A previous CFPB complaint was submitted regarding multiple accounts with inaccurate late payment reporting on my Experian credit file. Despite confirmation that Experian and the furnishers were notified, no resolution or correction has been made. 

Experian continues to report duplicate, inconsistent, and unverifiable late payment entries across several accounts, even though the furnishers have not provided any supporting documentation to validate the accuracy of the reported data. 

This ongoing issue indicates Experian has failed to properly reinvestigate and update the file as required under FCRA XXXX ( a ). These inaccuracies negatively impact my credit profile and do not reflect the actual payment history provided by the creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX  XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
This letter serves as official notice regarding multiple inquiries appearing on my Experian credit report under your companys name ( XXXX OF XXXX ). 
The record shows inquiries dated XX/XX/year> and XX/XX/year>, listed under Bank XXXX XXXX and All Banks Non Specific. 

XXXX XXXX is not disputing these inquiries. He is asserting his lawful right under federal law to request full verification and documentation regarding the permissible purpose claimed for each inquiry, as required by the Fair Credit Reporting Act ( FCRA ). 

Under XXXX U.S.C. XXXX ( a ) ( XXXX ), a consumer reporting agency may only furnish a report to an entity with a permissible purposesuch as a firm consumer-initiated credit application or an existing account relationship. 
If your company lacks such permissible purpose or written authorization from XXXX XXXX, then these inquiries represent willful and negligent violations of federal law. 

Accordingly, you are required to provide : XXXX. The exact purpose for each inquiry listed on or around XX/XX/year>, and XX/XX/year>. 
XXXX. A copy of the signed credit application or written authorization that explicitly grants XXXX  XXXX XXXX permission to access XXXX XXXX credit file. 
XXXX. Identification of the department, branch, or employee who initiated or approved the inquiry. 
XXXX. All records or notes associated with the inquiry request. 

This demand is made pursuant to the following statutory authorities : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) ( XXXX ) - ( XXXX ) restricting access to consumer reports ; XXXX U.S.C. XXXX & XXXX providing for civil liability for willful or negligent noncompliance, including statutory damages up to {$1000.00} per violation, actual damages, court costs, and attorneys fees. 

If XXXX  XXXX XXXX can not produce valid documentation within 15 days of receipt of this letter proving a lawful permissible purpose, you are required to : XXXX. Cease and desist from any further inquiry activity ; and XXXX. Request immediate removal of the unauthorized inquiries from all consumer reporting agencies ( XXXX, Equifax, and XXXX  ). 

Your continued failure to comply will be treated as willful noncompliance, and a formal complaint will be filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ). 
Additionally, XXXX XXXX will pursue civil damages for each unlawful credit access made under your institutions name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
Formal Notice of Lawful Request for Verification and Compliance Account No. XXXX Dear XXXX XXXX XXXX XXXX XXXX Department, This letter serves as an official notice regarding the above-referenced account as reported to one or more consumer reporting agencies. 
XXXX XXXX is not disputing this account. He is exercising his lawful right to request and receive verifiable documentation under federal consumer protection laws, ensuring all data furnished to the credit bureaus is accurate, complete, and legally substantiated. 

Your company continues to report this account as charged-off, with a balance of {$2600.00} and a written-off amount of {$26000.00}, which has a material impact on XXXX XXXX credit profile. As such, XXXX XXXX XXXX XXXX is hereby required to provide the following information without delay : 1. The exact Date of First Delinquency ( DOFD ) as recorded by the original creditor.

2. The Date of Last Payment made on the account. 
3. The Date of XXXX and a full explanation of the financial terms surrounding it. 
4. The Complete Chain of Title detailing every assignment, transfer, or sale of this account, including any contracts, purchase agreements, or documentation showing XXXX XXXX XXXX legal standing to collect or report on this debt. 
5. Account-Level Documents a complete and legible copy of the original signed agreement, contract, or promissory note binding XXXX XXXX to this alleged obligation. 
This request is made pursuant to : 15 U.S.C. 1681g & 1681s-2 ( Fair Credit Reporting Act ), and 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ).

Failure to produce the requested documentation within 15 days of receipt of this letter may constitute willful noncompliance and continued publication of unverifiable or inaccurate information, which violates bo
th statutes.

Under 15 U.S.C. 1681n and 1692k, each instance of willful or negligent violation carries statutory damages of up to {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 
If XXXX XXXX XXXX XXXX continues to report or furnish unverifiable information, this will be treated as a willful and reckless disregard of federal law, and XXXX XXXX will pursue all available remedies, including a formal complaint to the Consumer Financial Protection Bureau, Federal Trade Commission, and civil litigation for damages. 

You are hereby instructed to suspend any adverse credit reporting activity related to this account until complete verification and all supporting documents have been furnished. 

Please direct your full response and documentation to : 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Formal Notice of Lawful Request for Verification and Compliance Account No. XXXX Dear XXXX XXXX XXXX XXXX XXXX Department, This letter serves as an official notice regarding the above-referenced account as reported to one or more consumer reporting agencies. 
XXXX XXXX is not disputing this account. He is exercising his lawful right to request and receive verifiable documentation under federal consumer protection laws, ensuring all data furnished to the credit bureaus is accurate, complete, and legally substantiated. 

Your company continues to report this account as charged-off, with a balance of {$2600.00} and a written-off amount of {$26000.00}, which has a material impact on XXXX XXXX credit profile. As such, XXXX XXXX XXXX XXXX is hereby required to provide the following information without delay : 1. The exact Date of First Delinquency ( DOFD ) as recorded by the original creditor.

2. The Date of Last Payment made on the account. 
3. The Date of XXXX and a full explanation of the financial terms surrounding it. 
4. The Complete Chain of Title detailing every assignment, transfer, or sale of this account, including any contracts, purchase agreements, or documentation showing XXXX XXXX XXXX legal standing to collect or report on this debt. 
5. Account-Level Documents a complete and legible copy of the original signed agreement, contract, or promissory note binding XXXX XXXX to this alleged obligation. 
This request is made pursuant to : 15 U.S.C. 1681g & 1681s-2 ( Fair Credit Reporting Act ), and 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ).

Failure to produce the requested documentation within 15 days of receipt of this letter may constitute willful noncompliance and continued publication of unverifiable or inaccurate information, which violates bo
th statutes.

Under 15 U.S.C. 1681n and 1692k, each instance of willful or negligent violation carries statutory damages of up to {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 
If XXXX XXXX XXXX XXXX continues to report or furnish unverifiable information, this will be treated as a willful and reckless disregard of federal law, and XXXX XXXX will pursue all available remedies, including a formal complaint to the Consumer Financial Protection Bureau, Federal Trade Commission, and civil litigation for damages. 

You are hereby instructed to suspend any adverse credit reporting activity related to this account until complete verification and all supporting documents have been furnished. 

Please direct your full response and documentation to : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
Transunion continue to report inaccurate, incomplete and unvierified information after multiple disputes. after providing documents. XXXX involution XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

transunion have done reckless investigation

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