vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-12-15 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of an account from my credit report as reported by Experian. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed several charge-off accounts, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me and contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. The information below, which appears on my credit report, does Not relate to any accounts that I have ever opened. It is the result of identity theft. I believe my social was comprised in the Equifax data breach. I am listing the fraudulent accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXXXX/XX/year> XXXX. The inquiry was not authorized XXXX XX/XX/year> XXXX. The inquiry was not authorized XXXXXXXX XXXX XX/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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I financed an XXXX through Apple Card and am the lawful owner. My Apple ID was locked without explanation, warning, or appeal.

As a result, Apple has effectively disabled my device by preventing me from signing out of my Apple ID or resetting the phone without triggering Activation Lock. Apple Support confirmed they can not unlock the account, can not explain why it was locked, and can not provide a remedydespite my providing proof of ownership and spending over XXXX hours with multiple managers. 

Apple representatives incorrectly advised that resetting the device would resolve the issue, which would instead render the phone unusable. This has caused loss of use of a financed product, business disruption, and financial harm.

I am requesting immediate restoration of account access or formal removal of Activation Lock so I may continue using a device I paid for. 

Apples actions constitute unfair treatment and deprivation of use of financed property without due process or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo closed both my checking and savings accounts without warning or explanation and immediately restricted my online access so I could not view my balances, statements, or posted transactions. After the closure, a direct deposit refund in the amount of {$420.00} was sent to my closed checking account. Wells Fargo confirmed the deposit was posted, yet they refused to release the funds, return them to the sender, or provide any documentation about the account closure.

Multiple branch employees gave contradictory information, refused to print legally required account records, claimed they could not access my account, and even threatened to call law enforcement when I insisted on receiving documents that Wells Fargo Corporate confirmed I had a legal right to receive. I also learned that cashiers checks containing my remaining account balances were mailed to an old address without my authorization, and I was not informed this happened. I never received any checks and was not provided the amounts or tracking information. 

I requested : account closure documents, internal account notes, proof of the posted deposit, the balance owed to me, and the reissuance or return of my funds. None of this information was provided. I now can not access federally regulated school refund money or my own account funds because Wells Fargo is withholding them despite acknowledging that the money was posted.

I have suffered financial injury, loss of access to essential funds, inability to secure housing and necessities, and significant hardship due to Wells Fargos actions. I need CFPB assistance to force Wells Fargo to release or return my funds and provide all required documentation.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Friday, XX/XX/year>, when on online banking, I noticed that Bank of America has debited my checking ending with XXXX for the amount of {$1000.00} as a off set to a late payment of a business account credit card. I called them right away and first talked to XXXX and she kept repeating that they have done it to offset late credit card payment. Then I talked to the supervisor XXXX or XXXX, and she repeated the same thing over and over. I told them I need my funds in my checking and a mortgage payment is going hit my checking as an autopay and I need my fund to be back into my account. she kept repeating herself that bank has done it to off set.

I was devastated, after XXXX  years being the client of Bank Of America.They have made so much interest from me and fees and monthly maintenance and so on.

I called back and asked for a depute the transaction, XXXX was on the phone and he said he cant dispute the bank charge. He even pointed to a call reference number to help me identify who did I talk with The reference number for the call. I like to mention that Im facing severe financial situation.I have called numerous time to BOFA to reduce my interest rate they are charging {$29.00} percent and I can make an agreement to pay my business borrowing and we can even making it autopay. they have refused it over and over.I have made agreement with many other financial and credit card companies for the same agreement.but BOF A rejects it and no concession on bringing down thei $ 29.99 % interest rate

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 2025-12-15 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Experian and TransUnion that has not been properly corrected despite my efforts to monitor my credit file. Specifically, the account identified as XXXX XXXX is reporting conflicting information between the two bureaus, with Experian showing a balance of {$990.00}, a date of last activity of XX/XX/year>, a reporting date of XX/XX/year>, and a XXXX late status, while TransUnion reports the same account with a different balance of {$880.00}, a later date of last activity of XX/XX/year>, and a reporting date of XX/XX/year>, creating a clear inconsistency in balances, timelines, and account status for what should be a single, accurately maintained tradeline. Additionally, TransUnion is reporting the account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$9100.00}, a date of last activity and date reported of XX/XX/year>, and late payment statuses of XXXX and XXXX days past due, while this same account does not appear on my Experian credit report at all, resulting in incomplete and uneven reporting of my credit history across bureaus. These discrepancies suggest a failure by the credit bureaus and data furnishers to ensure accuracy, consistency, and proper investigation as required under the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to investigate disputed information, FCRA 623 ( a ) ( 2 ), which mandates that furnishers correct and update inaccurate information, and FCRA 623 ( b ), which requires a reasonable investigation of disputed data. The conflicting balances, dates, and delinquency reporting are materially misleading and negatively impact my credit profile, and I am requesting CFPB assistance to ensure that both Experian and TransUnion fulfill their legal obligations to report verified, accurate, and fully updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Experian and TransUnion that has not been properly corrected despite my efforts to monitor my credit file. Specifically, the account identified as XXXX XXXX is reporting conflicting information between the two bureaus, with Experian showing a balance of {$990.00}, a date of last activity of XX/XX/year>, a reporting date of XX/XX/year>, and a XXXX late status, while TransUnion reports the same account with a different balance of {$880.00}, a later date of last activity of XX/XX/year>, and a reporting date of XX/XX/year>, creating a clear inconsistency in balances, timelines, and account status for what should be a single, accurately maintained tradeline. Additionally, TransUnion is reporting the account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$9100.00}, a date of last activity and date reported of XX/XX/year>, and late payment statuses of XXXX and XXXX days past due, while this same account does not appear on my Experian credit report at all, resulting in incomplete and uneven reporting of my credit history across bureaus. These discrepancies suggest a failure by the credit bureaus and data furnishers to ensure accuracy, consistency, and proper investigation as required under the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to investigate disputed information, FCRA 623 ( a ) ( 2 ), which mandates that furnishers correct and update inaccurate information, and FCRA 623 ( b ), which requires a reasonable investigation of disputed data. The conflicting balances, dates, and delinquency reporting are materially misleading and negatively impact my credit profile, and I am requesting CFPB assistance to ensure that both Experian and TransUnion fulfill their legal obligations to report verified, accurate, and fully updated information.

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 2025-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I received an email purporting to be fro. Speedy Cash on behalf of several different cash advance services.

They stated that I had 24 hours to reply before I would be sued.

They stated if I didn't pay about half of it now, then they would be suing for ten times the debt.

They stated that they would be investigating my social connections as well. They claim to be investigating me for bank fraud and several other crimes. But they will stop if I pay them the majority of the owed balance immediately?

This seems like either illegal intimidation or an outright scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX I previously disputed this account, and XXXX XXXX XXXX XXXX  claimed it was verified. However, their investigation did not correct material errors, as the same account continues to report conflicting balances ( {$7300.00} on TransUnion and {$7200.00} on Experian ) and inconsistent activity dates. A verification that ignores these discrepancies is not a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) and fails the maximum possible accuracy requirement of 15 U.S.C. 1681e ( b ). Because the furnisher did not fix the errors identified and continues to report inaccurate and unverifiable information

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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a derogatory account reported on my credit file by PRO COLLECT on behalf of XXXX XXXX XXXX XXXX. I have no affiliation with these entities and did not authorize any lease, account, or financial obligation. I did not provide consent for the use of my personal information. This account does not belong to me and appears to be inaccurate or fraudulent. I am requesting immediate investigation and removal of this account 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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been a Chime customer since approximately XXXX. Recently, Chime refused to accept my check via mobile deposit. The deposit attempt failed, and no clear explanation was provided within the app.

I contacted Chime customer support to ask why the mobile deposit was declined. Customer support was unable or unwilling to provide the reason ( s ) for the refusal and did not explain whether the issue was related to the check itself, my account status, or an internal policy. I was also not given any steps to resolve the issue or alternative options to deposit my funds.

Given my long-standing relationship with Chime, I am concerned about the lack of transparency and failure to provide a clear justification for refusing my deposit. This has caused confusion and financial inconvenience, as I do not know whether my account has restrictions or how to access my funds.

I am requesting : A written explanation for why my mobile check deposit was refused Confirmation of whether my account has any restrictions or limitations Clear instructions on how to successfully deposit my check or access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Central Research Inc
State: NJ

Complaint narrative:
I am filing this complaint against XXXX  due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. 

I, XXXX XXXX, reside at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX, and I am writing to formally address a situation involving the reporting of inaccurate information by XXXX. I initially disputed the accuracy of the account with CENTRAL RE due to potential inaccuracies regarding the date reported and the payment status, which I believe do not reflect my true credit history. My disputes were based on the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies conduct reasonable investigations into disputes raised by consumers. 

Rather than conducting the required comprehensive review, XXXX  failed to properly investigate the inaccuracies. This situation has been exacerbated by the precedent established in XXXX v. XXXX  ( XXXX  ), which highlights the obligations of credit reporting agencies to uphold the accuracy and integrity of consumers ' credit reports. The continued presence of this inaccurate, unverifiable, and/or incomplete item on my credit report has caused significant harm to my financial well-being. I have faced credit denials, incurred higher interest rates, and have experienced considerable emotional distress as a result of this situation. 

Given the willful noncompliance with the FCRA by XXXX  in this matter, I demand a complete and thorough investigation by the Consumer Financial Protection Bureau. Furthermore, I insist on the immediate deletion of these erroneous accounts from my credit report. Additionally, I am seeking any and all statutory and punitive damages afforded to me under the law for the emotional distress and potential loss of credit opportunities that have arisen due to the inaccuracies reported. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation