vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated XXXX timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Bankruptcy XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} 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

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 2025-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Im really frustrated to see that the unauthorized inquiries are still appearing on my credit report today, and I have no idea why this issue hasnt been fixed. Even after refreshing my browser, they remain visible. Im urgently requesting that the documents I provided be reviewed carefully so this problem can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against SYNCB/MATHIS BROTHER XXXX XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.SYNCB/MATHIS BROTHER 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXXXXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$76.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, WA 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 2025-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2025, I rented a vehicle. Later that same day, an unauthorized charge of {$200.00} from XXXX XXXX XXXX XXXX XXXX appeared on my Capital One account. I immediately reported the dispute. 
In Capital Ones XX/XX/2025, response to the CFPB, they claimed they issued me a temporary credit on XX/XX/2025, and sent me an upload link by email on XX/XX/2025. Both claims are false. My transaction history shows I did not receive any credit until XX/XX/2025. I also never received any upload link on XX/XX/XXXX. The only emails I received were XX/XX/2025 : notifying me that a document was posted in my Capital One portal. XX/XX/2025 : notifying me that the dispute had been closed. 
On XX/XX/2025, Capital One finally applied a temporary credit of {$200.00} and sent me a letter in my portal stating that I had until XX/XX/2025, to submit documentation. Despite this, they told the CFPB on XX/XX/XXXX that my dispute had already been denied. Then, on XX/XX/2025, Capital One reversed the credit and re-applied the {$200.00} charge, before my XX/XX/XXXX deadline had even expired. 
Capital One misrepresented the facts and timeline to the CFPB while depriving me of the fair dispute process required under Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX BalanceXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX BalanceXXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA 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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against XXXX XXXX XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracyXXXX XXXX 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Formal Dispute Transunions Failure to Complete Investigation Within Statutory Timeframe Immediate Deletion Required To : CFPB / TransUnion This is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

The following accounts are being reported inaccurately and remain unresolved : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX I originally submitted disputes regarding these accounts more than 30 days ago. As shown in the attached PDF proof ( screenshot from CFPBs platform ), TransUnion has failed to complete the required reinvestigation within the statutory period. This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The current delay exceeds the statutory limit by nearly two months.

Because the bureau has failed to comply with the reinvestigation requirement, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to immediately delete these accounts from my credit file.

This is not a request for further reinvestigation. It is a demand for deletion of the listed accounts, effective immediately, as required by law when the bureau fails to meet the 30-day reinvestigation deadline.

Please update your records, delete the accounts, and provide written confirmation of permanent removal.

Attachment : CFPB Proof PDF Evidence of Violation

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 2025-09-26 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  Portfolio recovery no proof that the. XXXX account are mine and no documentation proving it is my debt. No proof that they purchased the debt or that the debt was paid off by the original owner. A straw purchace

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
I am submitting a follow up complaint regarding inaccurate reporting on my credit report related to several accounts, with a particular concern about XXXX account that appears to be reported inconsistently across credit bureaus. Most notably, my XXXX XXXX account ( ending in XXXX ) shows a XXXX late payment reported for XX/XX/year>. This is especially concerning because this account is reported as closed by XXXX major credit bureaus, TransUnion and Equifax. It does not make sense that a closed accountwhich should have no new activity or balancewould suddenly generate a late payment. This inconsistency raises serious questions about the accuracy of the information reported by both the creditor and the credit reporting agencies. I kindly request a thorough review and correction of this entry to ensure it accurately reflects the accounts true status. In addition to the XXXX  XXXX account, the following accounts also have late payment entries that I want to bring to your attention : XXXX XXXX Account ending in XXXX ) : XXXX days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$410.00}. XXXX  XXXX XXXX ( Account ending in XXXX ) : XXXX  days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$690.00}. XXXX XXXX XXXX  XXXX ( Account ending in XXXX ) : XXXX  days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$720.00}. While I acknowledge that I experienced some financial difficulties that caused these late payments, I also firmly believe that my credit report should be accurate, complete, and fair. The Fair Credit Reporting Act ( FCRA ) guarantees that all information reported must be true and non-misleading, and consumers have the right to know what is being reported, request reinvestigation of questionable information, and expect corrected or removed inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
I am submitting a follow up complaint regarding inaccurate reporting on my credit report related to several accounts, with a particular concern about XXXX account that appears to be reported inconsistently across credit bureaus. Most notably, my XXXX XXXX account ( ending in XXXX ) shows a XXXX late payment reported for XX/XX/year>. This is especially concerning because this account is reported as closed by XXXX major credit bureaus, TransUnion and Equifax. It does not make sense that a closed accountwhich should have no new activity or balancewould suddenly generate a late payment. This inconsistency raises serious questions about the accuracy of the information reported by both the creditor and the credit reporting agencies. I kindly request a thorough review and correction of this entry to ensure it accurately reflects the accounts true status. In addition to the XXXX  XXXX account, the following accounts also have late payment entries that I want to bring to your attention : XXXX XXXX Account ending in XXXX ) : XXXX days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$410.00}. XXXX  XXXX XXXX ( Account ending in XXXX ) : XXXX  days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$690.00}. XXXX XXXX XXXX  XXXX ( Account ending in XXXX ) : XXXX  days late ( XX/XX/year> ), XXXX  days late ( XX/XX/year> ), balance {$720.00}. While I acknowledge that I experienced some financial difficulties that caused these late payments, I also firmly believe that my credit report should be accurate, complete, and fair. The Fair Credit Reporting Act ( FCRA ) guarantees that all information reported must be true and non-misleading, and consumers have the right to know what is being reported, request reinvestigation of questionable information, and expect corrected or removed inaccuracies.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I reported to Wells Fargo that I had been the victim of a scam. I never received the goods or services that I paid for. Despite providing Wells Fargo with my contract and documentation proving that no service was delivered, they sided with the scammers and dismissed my claim. The scammers address listed is in an abandoned building. 

Wells Fargo informed me that the other party provided documentation, but I was never shown this, and it does not change the fact that I never received what I paid for. My contract clearly shows the terms, and I submitted this as evidence. 

Because Wells Fargo denied my dispute, I have lost {$990.00} to fraud. I am seeking a full refund of the disputed transaction and for Wells Fargo to properly review the evidence I submitted but they will not reopen.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX BalanceXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX BalanceXXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX BalanceXXXX XXXX XXXX   (Original Creditor: XXXX XXXX XXXX BalanceXXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Robinson Economic Development Corporation
State: CA

Complaint narrative:
Interest rates are way too much. It's too much I just need some breathing room. Now the debt is even worse.

Company response to consumer: Closed with explanation