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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am submittting to formally dispute several discrepancies that I have found in my credit report. Upon reviewing the information provided, I have identified several entries that I believe to be inaccurate, outdated, or incorrectly reported. These errors are not only misleading but are also negatively affecting my credit score and my ability to access credit. I am requesting the removal or correction of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX * * * * balance $ XXXX reported in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX balance : {$0.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX * * balance $ XXXX reported in XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * XXXX XXXX balance {$150.00} ( Original Creditor : ) XXXXXXXX XXXX XXXX XXXX XXXX balance $ XXXXnot reported in XXXX and XXXX XXXX XX/XX/year> Fair Credit Reporting Act ( FCRA ). Specifically : FCRA 607 ( b ) holds that it is the responsibility of the credit reporting agency to ensure the accuracy and completeness of the information provided in a credit report. FCRA 611 grants consumers the right to dispute any information on their credit report that they believe is inaccurate or incomplete. FCRA 623 ( a ) ( 5 ) and FCRA 604 ( a ) ( 3 ) require furnishers to report accurate information, including dates of first delinquency, collection accounts, and ensuring that credit inquiries are authorized and for permissible purposes. These discrepancies are misleading and unjust, and they are negatively affecting my credit profile.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am submittting to formally dispute several discrepancies that I have found in my credit report. Upon reviewing the information provided, I have identified several entries that I believe to be inaccurate, outdated, or incorrectly reported. These errors are not only misleading but are also negatively affecting my credit score and my ability to access credit. I am requesting the removal or correction of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX * * * * balance $ XXXX reported in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX balance : {$0.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX * * balance $ XXXX reported in XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * XXXX XXXX balance {$150.00} ( Original Creditor : ) XXXXXXXX XXXX XXXX XXXX XXXX balance $ XXXXnot reported in XXXX and XXXX XXXX XX/XX/year> Fair Credit Reporting Act ( FCRA ). Specifically : FCRA 607 ( b ) holds that it is the responsibility of the credit reporting agency to ensure the accuracy and completeness of the information provided in a credit report. FCRA 611 grants consumers the right to dispute any information on their credit report that they believe is inaccurate or incomplete. FCRA 623 ( a ) ( 5 ) and FCRA 604 ( a ) ( 3 ) require furnishers to report accurate information, including dates of first delinquency, collection accounts, and ensuring that credit inquiries are authorized and for permissible purposes. These discrepancies are misleading and unjust, and they are negatively affecting my credit profile.

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: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I have been charged by indigo/concora multiple fees when I have not made a purchase since XXXX nor have made many purchases especially over {$20.00} in months. I have been over my limit even though I make XXXX payments a month. I can never catch up enough and my annual fee is about to be charged. Closing my account is difficult and impossible.

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: Experian Information Solutions Inc.
State: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The school is closed and they sold the loan to another company. Which is illegal under usc law 15 U.S.C. 1692 et seq. i would like this erased off my account immediately. Under the fair credit reporting act. 15 U.S.C. 1681 1681x Please remove all debt form my account. 15 U.S.C. 1681e ( b 15 U.S.C. 1681e ( b.

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: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
The school is closed and they sold the loan to another company. Which is illegal under usc law 15 U.S.C. 1692 et seq. i would like this erased off my account immediately. Under the fair credit reporting act. 15 U.S.C. 1681 1681x Please remove all debt form my account. 15 U.S.C. 1681e ( b 15 U.S.C. 1681e ( b.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureaus and furnishers are reporting inaccurate and unverified information that is harming me. I have disputed these items, but they remain on my report without proper reinvestigation, which violates the FCRA. 

XXXX XXXX XXXX XXXX, CA XXXX This address has never belonged to me. Reporting an address not tied to my identity violates FCRA 602 and 607 ( b ) because it shows failed matching procedures. Since this can not be verified as mine, it must be deleted. 

XXXX XXXXXXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/year> Late Payment * * The late payment is inaccurate because I have never made a late payment on this account. Reporting false delinquency violates FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). No documented verification can prove a late payment, so the history must be corrected immediately.

I am filing this complaint because the credit bureaus and furnishers are reporting inaccurate and unverified information that is harming me. I have disputed these items, but they remain on my report without proper reinvestigation, which violates the FCRA.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
identity theft-request for Blocking of Fraudulent accounts According to FCRA 605B ( 15 USC 1681c-2 ) These account were open without my consent or knowledge ; 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 These accounts were due to Experian, Equifax, and TransUnion data breaches causing my information to used. 
Also, the fraudulent addresses that on my consumer report : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XXXX XXXX XXXX XXXX, TX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
identity theft-request for Blocking of Fraudulent accounts According to FCRA 605B ( 15 USC 1681c-2 ) These account were open without my consent or knowledge ; 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 These accounts were due to Experian, Equifax, and TransUnion data breaches causing my information to used. 
Also, the fraudulent addresses that on my consumer report : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ) XXXX XXXX XXXX XXXX, TX 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 2025-11-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
I am filing a complaint regarding Money Network/FISERV for refusing to reimburse fraudulent transactions made on my XXXX ( California Employment Development Department ) prepaid debit card between XX/XX/XXXX and XX/XX/XXXX. 

My card information was stolen online. Multiple unauthorized transactions were made to addresses in XXXX XXXX, NV, a place I have never visited in my life. These transactions were not made by me and were not authorized by me. My physical card was in my possession in Massachusetts at the time. 

I immediately contacted Money Network and reported the fraud. 
A total of {$830.00} in unauthorized purchases were made between approximately XX/XX/XXXX XX/XX/XXXX. 

Money Network repeatedly mishandled my dispute : I was told the highest person of contact had no authority to change anything. 
They stated they had no control over the dispute department. 
They instructed me to contact XXXX, but the process was unclear and inconsistent. 
The dispute department does not communicate with victims and provides no status updates. 
They told me decisions take 4590 days, but I received no transparency or investigation details. 

Despite filing the dispute and providing all information, I received a denial letter dated XX/XX/XXXX stating that my claim was denied because I had other purchases related to the transactions in question. This is false. 
The transactions were made to a XXXX XXXX address, and I live in Massachusetts. I have never made any purchases to XXXX XXXX. 

Money Network did not : Compare my normal transaction history Verify the delivery addresses Contact me for clarification Provide evidence of related purchases Provide proof I authorized anything Instead, they closed the case with no investigation and no communication, which violates the Electronic Fund Transfer Act ( EFTA ) Regulation E, which requires : Timely investigations Provisional credit ( which I never received ) Documentation A reasonable, good-faith review These charges were fraud, not transactions I made.

I am requesting : 1. A full investigation compliant with EFTA / Reg E 2. Reversal and reimbursement of all fraudulent charges totaling {$830.00} 3. A copy of ALL documentation used in the denial 4. Confirmation of case reopening 5. Oversight of XXXX XXXX dispute-handling process, which appears negligent and harmful to consumers Thank you for your attention to 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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$580.00} from my XXXX account to my Wise account. XXXX confirmed the transfer as completed at approximately XXXX XXXX XXXX on the same day and indicated that the funds were successfully sent to Wise. 

The next morning ( XX/XX/year> ), I logged into my Wise account to convert the funds and transfer them to my local account. However, the {$580.00} transfer from XX/XX/XXXX did not appear in my Wise balance. 

To verify that the issue was not on XXXX end, I initiated a second, smaller transfer of {$200.00} on XX/XX/year>. XXXX immediately confirmed that transfer as well. Wise processed the XX/XX/XXXX transfer instantly, and the funds showed up in my account without issue. 

Because the XX/XX/XXXX transfer was processed instantly and without delay, despite being from the same sender and using the same method, it is unclear why the XX/XX/XXXX transfer has not been credited. 

I contacted Wise customer support twice on XX/XX/XXXX. 

* The first support agent stated that the funds were being held and undergoing a review. 
* The second support agent gave a different explanation, stating that the funds were being processed and that I should check back in six days if no update is provided.

No escalation was offered, no timeline for resolution was given, and I was not informed who would contact me or when. I was simply told to wait up to six days and contact them again if nothing happened.

This is not the first occurrence of delayed or withheld funds with Wise. A previous transfer of {$10000.00} was also withheld until I filed a complaint with the CFPB, at which point Wise resolved the issue and released the funds. 

Given that Wise successfully processed an identical transfer from the same merchant on XX/XX/XXXX, their inability or unwillingness to process the XX/XX/XXXX transfer suggests the funds are being held without clear explanation or proper communication.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because my ALLY FINANCIAL account ending in XXXX is being reported inaccurately, inconsistently, and unverifiably across Experian, Equifax, and TransUnion, resulting in significant harm to my credit profile and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). All three bureaus show conflicting late payment information, including an alleged 30-day late payment for XX/XX/XXXX, while Equifax simultaneously reports a last activity date of XX/XX/XXXX, and Experian and TransUnion both list inconsistent and contradictory late payment entries, none of which align with my actual payment history. These discrepancies violate my rights under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, 1681i ( a ), which grants me the right to dispute and obtain a lawful reinvestigation, 1681i ( a ) ( 1 ) requiring the bureaus to investigate within 30 days, 1681i ( a ) ( 3 ) requiring verification of the disputed information with XXXX XXXX, 1681i ( a ) ( 6 ) requiring written notice of results, and 1681g ( a ), which guarantees my right to clear and complete disclosure. The inaccurate late payment reporting also violates 1681s-2 ( a ), which requires furnishers like XXXX XXXX to report only accurate, truthful information, and the continued publication of these errors may constitute willful or negligent noncompliance under 1681n and 1681o, exposing both the bureaus and the furnisher to civil liability. These inaccurate late payments are materially damaging my creditworthiness, causing financial stress and emotional hardship.

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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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: MN

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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