vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy in accordance wit the Fair Credit Reporting Act Public law 91-506, Title VI, Section 611, Subsection A-D. 



Thank you,

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 2025-12-25 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-12-26 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/year>, I reported four unauthorized transactions totaling {$4500.00}. The charges were made to XXXX, XXXX, XXXX, and another XXXX transaction. These occurred after my phone and debit card were lost in XX/XX/year>XXXX  while I was out of state and unable to access my accounts. 

Chime closed my dispute the next day, on XX/XX/XXXX, without requesting information from me or providing any evidence of an investigation. I reopened the dispute, but Chime later issued a denial letter stating no error occurred. 

I submitted an FTC Identity Theft Report, an IC3 cybercrime complaint, and a corporate breach notification letter from Decisely confirming that my personal information was compromised. Despite this, Chime continued to deny the dispute and provided contradictory statements about whether my claim was open or closed. 

I believe Chime did not follow Regulation E requirements, did not conduct a reasonable investigation, and closed my dispute prematurely without reviewing the identity theft evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my nights .

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my nights .

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!

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 2025-12-26 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd

Complaint narrative:
For several consecutive months, I have experienced recurring delays in receiving my monthly salary through Wise. This is an ongoing pattern, not a one-time incident. 

My salary is paid in USD by my employer and is received into my USD balance with Wise ( no currency conversion involved ). The sender never skips or delays payment dates and consistently confirms when the payment has been initiated. 

Pattern over multiple months : Each month, my employer confirms that my salary payment has been sent on the scheduled date. 
The funds do not appear in my Wise account on that date. 
When I contact Wise, I am initially told there is no incoming transfer. 
Shortly after I contact Wise ( sometimes within the same hour ), the funds are released. 
Wise then responds that the payment had already been made. 

This issue only affects my salary payments and does not occur with any other incoming or outgoing transactions on my account. 

Current month ( latest occurrence ) : My employer initiated my salary payment on XX/XX/XXXX. 
As of XX/XX/XXXX, the funds are still not available in my Wise account. 
This delay is occurring despite Wise having already issued what they called a final response to my complaint. 

Wises explanations : Wise alternately states that the delays are due to expected processing timelines ( 45 business days ) or unspecified verification / regulatory requirements.

Wise sent me their Customer Agreement and suggested that these delays are to be expected. 
However, Wise did not notify me in advance that my account was restricted or that documentation was missing. I was only informed of alleged verification issues after I contacted Wise about delayed salary funds. 
Wise has never clearly stated whether my account is restricted, under enhanced due diligence, or flagged for XXXX or sanctions screening. 

Why this is a problem : The repeated immediate release of funds after I contact Wise contradicts the claim that delays are purely routine processing. 
If verification were genuinely incomplete, I would expect a clear, proactive restriction and one-time resolution not silent, recurring delays that require manual follow-up every month. 
Wise closed my complaint and referred me to an ombudsman while my salary funds remain inaccessible. 
These repeated delays have caused financial emergencies and instability, including immediately before travel. 

I am seeking transparency about why my salary is consistently delayed, whether my account is subject to restrictions or enhanced monitoring, and assurance that earned income will not continue to be unpredictably withheld without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-12-26 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-25 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: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
I had an vehicle collision on XX/XX/year>. I informed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and gave her information about it. On XX/XX/year> after a XXXX XXXX rep called and told me the vehicle would be a total lost, asked me to approve XXXX XXXX for possession, shipment, processing, and payment, I did so. I was no longer in possession of the vehicle, it was un-drivable, and it had been sent to Iowa. On XX/XX/year> XXXX XXXX nevertheless charged me {$950.00} to renew insurance on the vehicle I was no longer in possession of, they were in possession of it. I never gave XXXX XXXX authority to make automatic withdrawals from my Green State Credit Union account or any other account. I never gave the Green State Credit Union authority to give me overdraft protection nor did I ever agree to pay a fee for overdraft service. I had no reason to renew an insurance payment to XXXX since that vehicle had been totaled, I never authorized XXXX XXXX to make automatic withdrawals from my Green State Credit Union checking account, I never agreed to an overdraft provision for my Green State Credit Union account, and I never agreed to pay any overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX keeps hounding me about {$600.00} that they tried overcharging me for a phone that's been paid off for XXXX years.

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 2025-12-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Ive been trying to use this XXXX $ gift card but it doesnt work anywhere because it doesnt have a billing address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
FRAUD CLAIM WRONGFULLY DENIED - UNAUTHORIZED TRANSACTIONS TOTALING {$9700.00} FRAUDULENT TRANSACTIONS : On XX/XX/XXXX, XXXX Bank of America debit card was used for XXXX unauthorized transactions totaling {$9700.00}. Each charge was {$1900.00} to XXXX XXXX XXXX XX/XX/XXXX PURCHASE. I did NOT authorize any of these transactions. 

KEY FACTS : - I have NEVER created an XXXX XXXX account - I do NOT use online gambling services- My card never left my possession - XXXX identical charges on the same day is clearly suspicious fraud- I reported this fraud on XX/XX/XXXX ( 25 days after transactions, well within the XXXX federal requirement ) BANK 'S WRONGFUL DENIAL : Bank of America XXXX XXXX number XXXX and denied it on XX/XX/XXXX. Their denial letter stated the charges were " authorized by me or someone with permission to use the card. '' This is FALSE. 

VIOLATION OF FEDERAL LAW : Under Regulation XXXX ( Electronic Fund Transfer Act ), consumers are protected from unauthorized electronic transactions. The burden of proof is on the bank to demonstrate transactions were authorized. Bank of America has provided NO evidence supporting their denial. 

ACTIONS TAKEN : - Reported fraud to Bank of America on XX/XX/XXXX - Received wrongful denial on XX/XX/XXXX - Filed complaint with IC3 ( FBI Internet Crime Complaint Center ) - Attempted to reach Bank of America Claims Resolution line ( no answer - bank closed for holiday ) RESOLUTION REQUESTED : Immediate reversal of all five fraudulent charges totaling {$9700.00} and proper investigation into how Bank of America wrongfully denied a clear case of fraud without evidence.

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 2025-12-26 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: CA

Complaint narrative:
I previously filed a CFPB complaint regarding my XXXX XXXX XXXX account, disputing additional interest and fees added by the collection law firm XXXX XXXX XXXX. 

XXXX XXXX agreed to waive {$1800.00} in pre-judgment interest and confirmed the correct lease-end balance is {$14000.00}. However, as of today, my credit reports still reflect an inflated balance of {$15000.00}, including interest that was waived. 

This incorrect reporting is negatively affecting my credit score, and I can not obtain a vehicle due to the negative information on this account. The account continues to show : Derogatory/Charge-off status Delinquent remarks Worst payment status flags The company has not yet corrected the information with the credit reporting agencies.

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 2025-12-26 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: CA

Complaint narrative:
I previously filed a CFPB complaint regarding my XXXX XXXX XXXX account, disputing additional interest and fees added by the collection law firm XXXX XXXX XXXX. 

XXXX XXXX agreed to waive {$1800.00} in pre-judgment interest and confirmed the correct lease-end balance is {$14000.00}. However, as of today, my credit reports still reflect an inflated balance of {$15000.00}, including interest that was waived. 

This incorrect reporting is negatively affecting my credit score, and I can not obtain a vehicle due to the negative information on this account. The account continues to show : Derogatory/Charge-off status Delinquent remarks Worst payment status flags The company has not yet corrected the information with the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
COMPLAINT FILING DATE : XX/XX/year> TO : Consumer Financial Protection Bureau / California Attorney General RE : FORMAL COMPLAINT & NOTICE OF STATUTORY VIOLATIONS I. COMPLAINANT INFORMATION Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : XXXX XXXX. RESPONDENT ( BUSINESS ) INFORMATION Company Name : Jefferson Capital Systems , LLC Corporate Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX  Reference Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX ) III. STATEMENT OF FACT AND VIOLATIONS I am filing this formal complaint for violations of the California Rosenthal Fair Debt Collection Practices Act ( Civ. Code 1788 et seq. ) and federal Regulation F ( 12 CFR 1006.38 ). 
1. Deceptive and Misleading Means ( 15 U.S.C. 1692e & Civ. Code 1788.17 ) The Respondent issued a collection notice directing me to their website ( XXXX ) to " manage '' my account. Upon access, I found that the Respondent has intentionally designed this digital portal to exclude a dispute mechanism. By providing a digital interface that only permits payment while purposefully hiding or omitting the legally mandated option to dispute, the Respondent is using deceptive means to collect a debt and obstruct my consumer rights. 
2. Violation of Electronic Communication Standards ( 12 CFR 1006.38 ) Under federal Regulation F, debt collectors utilizing electronic media ( such as a web portal ) must provide a " reasonable and simple method '' for consumers to exercise their rights. Jefferson Capital Systems has willfully obstructed this process by failing to provide a clear dispute option on their site, effectively coercing consumers toward payment and bypassing the validation process. 
3. Dispute of Debt Validity I formally dispute the validity and amount of the alleged debt ( {$2000.00} ). Because the Respondents own digital tools are non-functional for disputes, I am escalating this to the government to ensure the Respondent is held accountable for their lack of transparency and failure to provide validation of the alleged debt.

IV. REQUESTED RESOLUTION I request that the government compel the Respondent to : Cease and Desist all telephone communication to XXXX. 
Provide a full, written validation of the debt, including the original signed agreement. 
Immediately mark this account as " DISPUTED '' with all credit bureaus ( XXXX XXXX and XXXX ) as required by law. 
Remove the item from my credit report entirely if validation can not be produced. 
Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NV

Complaint narrative:
I am disputing multiple XXXX accounts that are being inaccurately reported as late on my credit reports. All accounts are open, current, and fully paid, yet they are showing 90150 day late payments for dates between XX/XX/2025 and XX/XX/2025. 

I have submitted multiple formal disputes to the credit reporting agencies ( TransUnion, Experian, Equifax ) since XX/XX/, providing documentation from XXXX confirming the accounts are current, as well as proof of payments and balances. Despite these submissions, the CRAs continue to report these false late payments. 

The reported late payments violate Metro 2 reporting standards, as the accounts reported status, balances, and payment history are logically inconsistent. They also violate several FCRA statutes, including : 607 ( b ) failure to ensure maximum possible accuracy 611 ( a ) ( 1 ) ( A ) failure to properly reinvestigate 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information 611 ( a ) ( 6 ) ( B ) ( iii ) failure to conduct reasonable investigation 623 ( a ) ( 1 ) ( A ) furnisher failed to provide complete and accurate reporting I am requesting immediate correction or deletion of the false late payments. I have attached supporting documentation, including XXXX confirmation letters and copies of prior disputes.

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