vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Prepaid card — General-purpose prepaid 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: NC

Complaint narrative:
I had an unauthorized charge on my account. I have provided all documents requested and they keep saying its in back office. I can not get the confirmation of receipt. I have sent 4 times 4 days in a row by email and fax. My time has ran out and now they say they didnt get it and its too late. I have spoken to supervisors as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Wells Fargo XXXX XXXXXXXX Support Team, I am writing to formally appeal the recent deactivation of my XXXX account linked to my Wells Fargo account. 

I was informed that this action was taken due to a complaint made against me. However, I want to make it clear that the report was false, unsubstantiated, and made by an individual who is not credible. I have already submitted all requested documentation to Wells Fargo to demonstrate that my account activity has always been legitimate, transparent, and fully compliant with your policies. 

For many years, I have used XXXX through Wells Fargo without any issues, and I have always conducted transactions in good faith. It is unfair and damaging to restrict my access to this important service based solely on an unfounded complaint, without proper verification or consideration of my history as a customer. 

I respectfully request that my XXXX access be reinstated promptly. Please let me know if there are any additional documents or steps required to expedite this review. 

Thank you for your time and for addressing this matter fairly. 

Sincerely, XXXX XXXX XXXX XXXX [ Wells Fargo Account 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 2025-09-05 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-09-05 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair for me. Please investigate this and fix it. I'm really sick and tired of this. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-09-05 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: Chime Financial Inc
State: IL

Complaint narrative:
I am filing this complaint against Chime Financial , Inc. and its bank partner ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for failure to comply with Regulation E. 

On XX/XX/year>, I attempted to withdraw {$200.00} from an XXXX ATM located at [ XXXX XXXX Illinois ]. The ATM did not dispense any cash, nor did it provide a receipt. However, my Chime account was debited for the full {$200.00}. 

I reported the error to Chime promptly. Chime refused to open a dispute or provide provisional credit, despite my timely notice. I later submitted a formal written complaint, which Chime also denied. 

This conduct violates 12 CFR 1005.11, which requires financial institutions to : Promptly investigate reported errors, Provide provisional credit within 10 business days when needed, and Issue written findings within 45 days. 

Chime has failed to comply with these requirements. I am requesting : 1. That Chime and its bank partner immediately open a proper dispute, 2. That provisional credit of {$200.00} be issued to my account during investigation, and 3. That the CFPB require Chime to correct its practices to comply with Regulation E. 

I am attaching all relevant account screenshots and correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding fraudulent accounts that have been reported on my credit file. These accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft.

Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable.

2. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information.

3. Any information that can not be verified as accurate must be removed from the credit report. 

I demand that the CFPB investigate this matter, compel the reporting agencies to remove all fraudulent accounts immediately, and prevent them from further damaging my credit. 

I am prepared to provide any supporting documentation required to verify this claim, including police reports or other relevant evidence, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened an account with PayPal. I transferred {$100.00} to the account. They will not let me transfer money into the account our out of the account with my debit card or the checking account that they have already verified. When I requested that they close the account they declined to do so. I called my bank and they said there is nothing they can do on there end. I have attempted to contact PayPay but they will not allow me to speak with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-05 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:
Complaint Narrative : I am filing this complaint against XXXX and the credit reporting agencies ( XXXX XXXX, and TransUnion ) for false, contradictory, and damaging reporting on my credit profile. 

Account Information : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) vs XX/XX/XXXX ( TransUnion ) High Balance : {$2000.00} ( XXXX  ) vs {$2300.00} ( XXXX/TransUnion ) Current Balance XXXX {$0.00} account closed Issues Identified : False late payments This account reports late payments of XXXX and XXXX  days in XXXX despite showing a {$0.00} balance and being closed. This is factually impossible. 

Conflicting activity dates Last activity dates reported as XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( TransUnion ). 

Contradictory closure reasons One bureau reports closed by credit grantor, another closed due to inactivity, and another canceled by credit grantor. 

Discrepancies in high balance Reported as {$2000.00} in XXXX, but {$2300.00} in XXXX  and TransUnion. 

Non-uniform reporting A single account must be reported consistently across all CRAs. These inconsistencies violate the principle of maximum possible accuracy.

Laws Violated : FCRA 602, 605, 607, 609, 611, 623 Failure to ensure maximum possible accuracy and failure to delete inaccurate information upon dispute.

FCRA 616 & 617 Willful and negligent noncompliance.

FDCPA 807 False representation of the character and status of a debt.

ECOA ( 15 U.S.C. 1691 ) Unfair and discriminatory credit reporting practices.

GLBA ( 15 U.S.C. 6801 ) Mishandling of sensitive financial data.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: TN

Complaint narrative:
REQUESTED ACCESS TO MY REPORT, AND LEXISNEXIS HAS REFUSED TO LET ME IN TO SEE IT. THEY KEEP SENDING ME LINKS WITH PIN NUMBERS, AND NONE OF THEM WORK. I HAVE ENGAGED MY LAWYER IN THIS TO START LITIGATION IF THEY DON'T GET IT CORRECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I am disputing the XXXX XXXX XXXX ( XXXX ) tradeline on my Equifax credit file. Equifax is reporting this account with false, fraudulent, and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ). 

Wrong Furnisher Name : Equifax reports the furnisher as XXXX XXXX which has no connection to XXXX XXXX XXXX XXXX 

Wrong Furnisher Address : Equifax lists XXXX. XXXX XXXX, XXXX, SC XXXX, which belongs to XXXX XXXX XXXX, not XXXX. 

Fraudulent Open Date : Equifax shows the account as opening XX/XX/XXXX, which is impossible. My account with XXXX did not begin until XXXX. 

Inaccurate and Incomplete Payment History : The payment history is missing and incomplete, yet Equifax continues to report derogatory data. 

Failure to Investigate : Despite disputes, Equifax has not provided contracts, payment histories, or the method of verification. Equifax has also failed to identify the agent who allegedly verified this account, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report.

I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-05 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: FL

Complaint narrative:
A FRAUDULENT ACCOUNT AND ADDRESSES ARE BEING REPORTED ON MY CREDIT REPORT AFTER BEING REMOVED.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/year> I used the company called XXXX to send XXXX to XXXX with a promise to receive the money in XXXX minutes. 
as of today the recipient has never received the amount and despite of several contacts with the company ( phone and email ) to return the money to my US account i have no solution

Company response to consumer: Closed with explanation