vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo sent me a pre approval offer online. I did it entered my information ss # income etc it came back pre approved at XXXX @ XXXX XXXX apr. They then asked me to accept the offer, mind you by hitting accept it resulted in a hard pull on experian if I didnt accept theres was no hard pull. But because they showed a defined credit limit and interest rate that means the account is already approved. Then I get an email that its pending after being approved. XXXX days later I get and email with a link to upload my XXXX most recent paystubs, which I did accompanied by a letter from our accounting, firm and payroll provider. They then ultimately declined the application without cause. Do not believe Wells Fargo, they are an unethical institution that preys upon honest hard-working people. I have good credit XXXX figure income and also on several businesses. Have an Econ and finance background. Ive worked in financial services for the past XXXX years so I know I met all approval requirements. It bothers me that because of their lies it resulted in a hard inquiry which can hurt the average consumer.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
ACCOUNT ( S ) : VYSTAR CREDIT UNION XX/XX/XXXX, VYSTAR CREDIT UNION XX/XX/XXXX {$0.00}, VYSTAR XX/XX/XXXX {$30000.00}, VYSTAR CREDIT UNION XX/XX/XXXX {$2500.00} PLEASE PROVIDE PROOF OF WET INK SIGNATURE, WHICH COMPANY CAN NOT PROVIDE WET INK SIGNATURE. MUST REMOVE ACCOUNTS OFF OF CONSUMER CREDIT PROFILE BY LAW.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681 c-a ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ). ( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY 605B ( 15 U.S.C. 1681 c-2 ) that you XXXX, XXXX XXXX XXXX and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a multitude of fraudulent accounts. These accounts has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and ALL COMPANIES did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( ATTACHED TO THIS COMPLAINT ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

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 2025-09-10 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: LA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-10 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: Crown Asset Management, LLC, Duluth, GA Branch
State: VA

Complaint narrative:
I am filing this complaint against Crown Asset Management LLC, XXXX XXXX XXXX, and their attorneys, XXXX, XXXX XXXX XXXXXXXX XXXX for unlawful debt collection practices and inaccurate credit reporting.

Crown Asset Management and XXXX XXXX  have filed lawsuits against me in Virginia : XXXX ( Crown Asset judgment entered XX/XX/XXXX ) XXXX ( Crown Asset pending XX/XX/XXXX ) XXXX ( XXXX XXXX judgment entered XX/XX/XXXX ) I dispute these alleged debts. Both Crown and XXXX have failed to provide validation required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), including : Certified copies of judgments with the courts seal.

Original signed contracts with the original creditors.

Full accounting/ledgers of the alleged debts.

Complete chain of title proving lawful transfer of the accounts.

The alleged accounts were previously charged off by the original creditors. Despite this, both the original creditors and these debt buyers ( Crown and XXXX ) are reporting them simultaneously. This creates duplicate and misleading entries on my credit report, which is inaccurate under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) and damages my creditworthiness. 

Despite my written dispute sent to XXXX, XXXX XXXX XXXX, they continue collection activity without validation. I also have concerns about the unauthorized use of my Social Security Number in these collection attempts, which may violate 18 U.S.C. 1028 and 42 U.S.C. 408 ( a ) ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, multiple unauthorized or disputed transactions were charged to my Venmo Debit Card. I promptly filed disputes for these transactions through Venmo. The transactions and dispute case IDs are as follows : XXXX. Case ID : XXXX {$32.00} USD, Transaction ID XXXX ( XX/XX/year> ) Denied XXXX. Case ID : XXXX {$7.00} USD, Transaction ID XXXX ( XX/XX/year> ) Denied XXXX. Case ID : XXXX {$32.00} USD, Transaction ID XXXX ( XX/XX/year> ) Denied XXXX. Case ID : XXXX {$10.00} USD ( transaction amount {$10.00} USD ), Transaction ID XXXX ( XX/XX/year> ) Denied XXXX. Case ID : XXXXXXXX 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 XXXXXXXX, listed as XXXX XXXX XXXXXX/XX/year> ) Resolved, credited by Venmo on XX/XX/year> This shows that Venmo inconsistently resolved disputes of the XXXX merchant, same type, and same circumstances : one was credited and marked resolved, while others were denied. 

For all denied disputes, Venmos notices stated only that after careful investigation, an error has not occurred. They provided no documentation or evidence of their review.

As directed in their notices, I submitted formal written requests to Venmos Dispute Resolution Department, asking for all documentation, records, and evidence relied upon in their decisions. These requests cited my rights under Regulation E ( 12 CFR 1005.11 ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

Venmo has not provided this documentation, leaving me unable to verify or challenge their denial decisions. The lack of transparency and the inconsistent treatment of nearly identical disputes raises serious concerns about whether Venmo is complying with federal law.

I am filing this complaint because Venmo has denied multiple disputes without providing the documentation required by law, and has inconsistently handled similar disputes. I request that Venmo : Provide the full investigation records for each dispute, Explain why similar Apple.com/Bill disputes were treated differently, Reverse the improper denial of these disputes, and Ensure compliance with Regulation E and the Fair Credit Billing Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Collection Agency Name XXXX XXXX I am writing in response to your letter/phone call regarding the alleged debt you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of this alleged debt.

Specifically, please provide : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized statement of charges, fees, and interest.

3. A copy of the original signed agreement or contract that verifies I am legally obligated.

4. Documentation showing you are authorized to collect this debt.

Until these documents are provided, you must cease all collection activities, including reporting to credit bureaus, as required by federal law. 

Please note that I am requesting this information in writing only, and I expect all further communication regarding this matter to be by mail. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX : I opened a Bank of America XXXX XXXX Banking checking account online, enrolling with the offer that if {$15000.00} or more is received through Qualifying Direct Deposits within 90 days of account opening, a {$500.00} cash bonus will be deposited to the checking account. 

XX/XX/XXXX : I called customer service to confirm the enrollment status of my bonus. During the call, the customer service representative enrolled me in a different offer ( offer code : XXXX ) that if more than {$2000.00} or more is received through Qualifying Direct Deposits within 90 days of account opening, {$300.00} cash bonus will be deposited to the checking account. 

XX/XX/XXXX : The direct deposit of {$2000.00} was made to the checking account. This was a direct deposit from payroll, made within 90 days of account opening, thereby satisfying the requirements for the {$300.00} bonus. 

XX/XX/XXXX : I called customer service again to confirm the enrollment status of my bonus. This time, I was told nothing except to visit a local branch for more information. 

XX/XX/XXXX : I visited the Bank of America XXXX XXXX in XXXX XXXX, California, and spoke with Banker XXXX XXXX. After his investigation, I was told that the call with customer service was recorded with notes, there was a record showing the {$300.00} opening offer is active, and I should wait until the end of XXXX for the deposit to be made. The offer page states : " If you've met all requirements, 90 days after account opening we'll attempt to deposit your bonus into your new eligible account within 60 days, '' so theoretically I should have received the deposit by the end of XXXX. 

XX/XX/XXXX : I still had not received the cash bonus, so I visited the Bank of America XXXX XXXX in XXXX XXXX, California, and spoke with Banker XXXX XXXX again. After another investigation, I was told the next step would be to escalate to managers and I was expected to hear back within XXXX week. I was provided with his phone number and email address for follow-up. 

XXXX : After waiting two weeks, I followed up multiple times every week by email and phone over the course of three weeks to check for updates, but received no response in any form. I was not contacted by email or phone with any update on this case. At this point, there appears to be no way to resolve this matter through regular channels by contacting Bank of America.

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 2025-09-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
My information was stolen and now my credit report is very low and keeps going lower and charges are not mine or the information, I am facing difficulties in my life because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I originally contacted AAFES/Military StaXXXX in 2020, when I noticed they were reporting my payments as late. After speaking with a representative and notified me that I wasnt able to make online payments and that I would have to go in directly to an AAFES location to make payments which are located on military installations. After informing her that I wasnt able over XXXX miles from a military installation due to me being in a school program she let me know that the minimum payments wouldnt be taken directly from my military pay and that the late payments would be corrected on my credit reports. I have had to dispute late charges over the last 5 years because of the same issue. Times where I am stationed on an installation I have been able to make payments in person but there are many times where I am doing long term training at off site locations without access to an AAFES. This should not be allowed to occur if it has a negative impact on my credit. Serving military members who are often tasked for training and blocking me from making online or over the phone payments places a hardship on me as a consumer and has impacted me very negatively. AAFES corrected my late payments when I originally disputed in 2020, however since then the same late payments and additional ones have continuously been placed on all three of my credit reports. The minimum payments are still being taking directly from my pay in 3 month increments since 2020.

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 2025-09-10 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: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/year>, I used an ATM at approximately XXXXXXXX XXXX I did not receive any money from the machine. I only checked the conversion rate and then removed my card without taking any cash. However, the transaction record shows that cash was dispensed at XXXX, after my card was removed at XXXX. 

This sequence contradicts the standard operational flow of this ATM, whichbased on the transaction immediately preceding minedispenses cash before ejecting the card. The transaction records provided demonstrate that the ATM consistently follows this order, making the entry for my transaction clearly inconsistent. 

On XX/XX/year>, I filed a dispute regarding this charge. My claim was denied solely on the basis of the transaction log that was provided to me. However, it is evident from that very log that the order of events is wrong, and I was wrongfully charged for cash I never received. 

Furthermore, the company has not provided additional proof such as cash dispenser logs, reconciliation reports, or surveillance footage to confirm that money was actually dispensed. These records would definitively show whether cash left the machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-10 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-10 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief