vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I paid for a XXXX XXXXXXXX procedure in XXXX using my Wells Fargo credit card. I was promised specific surgical results and post-operative care by a provider who claimed to be a XXXX XXXX XXXX After the XXXX, I developed a serious XXXX and was left with visible physical damage. I later had to seek XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, where I was prescribed antibiotics. 

After extensive research, I discovered the individual who operated on me is not a XXXX XXXX XXXXn and has multiple malpractice lawsuits and death investigations in XXXX. He misrepresented himself, failed to deliver promised services, and has completely stopped responding to any attempts at communication. I also paid for an insurance policy that was never provided. 

I filed a dispute with Wells Fargo, explaining that this was not a simple dissatisfaction with services but a fraudulent transaction involving misrepresentation, unauthorized medical practice, and bodily harm. Despite the evidence I was prepared to submit, Wells Fargo denied the dispute and stated it was not their responsibility. 

I am requesting that Wells Fargo be required to reopen the dispute and process a chargeback based on fraud, misrepresentation, and failure to deliver contracted services. 

I can provide : Proof of payment Photos of XXXX XXXX XXXX documentation from XXXX XXXX attempts with the provider Proof the provider is not licensed This is a serious matter involving health, safety, and consumer fraud. I am asking the CFPB to step in and hold Wells Fargo accountable for refusing protection under their own dispute policies.

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 monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXXI sent a certified letter to Experian on XXXX. The letter has a tracking of XXXX XXXX XXXX XXXX XXXX XXXX Per the USPS the letter was delivered on XXXX  The letter is requesting Experian to promptly delete serval accounts that are being reported with errors. The accounts listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They replied on XXXX stating that they think someone else may have sent this on my behalf and did nothing to resolve my issue. I proceeded to send another letter to Experian on XXXX and until this date I haven't received a response from Experian."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
Subject : Dispute of Collection Account XXXX XXXXXXXX XXXX ( Account # XXXX ) To Whom It May Concern, I am writing to dispute a collection account listed on my credit report that appears to be inaccurate and unverified : Creditor : XXXX XXXXXXXX XXXX Original Creditor : XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$630.00} Status : Collection ( as of XX/XX/XXXX ) On Record Until : XX/XX/XXXX Last Reported Payment : {$0.00} on XX/XX/XXXX This account has been reported as a collection account for over 5 years, with no activity, payments, or changes to the balance since XXXX. Despite a dispute I filed previously ( processed in XX/XX/XXXX ), this account continues to report inaccurately and without sufficient validation. I now formally request : Full verification of the debt, including the original signed agreement and a breakdown of the amount owed. 

If XXXX XXXXXXXX XXXX can not fully validate the account, its immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

If this debt is valid but outside the statute of limitations for collection in my state or has been inactive long enough to qualify for removal, I request that it be reviewed accordingly. 

Please complete your reinvestigation and provide a written response within 30 days of receipt of this letter. Enclosed are copies of my ID and proof of address for verification purposes. 

Thank you for your time and cooperation. 

Sincerely, 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 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony closed two accounts. Amazon and Sam 's Club. Reason : High risk of failure to pay. Both accounts had a XXXX balance. I had a perfect payment history when I did have a balance. I called the number on the letter, the XXXX XXXX was non-American and did not understand why I was calling. At this point, I can live without the cards. I want to know why they closed two accounts in good standing and I want to be assured that Synchrony does not submit a negative report to any credit reporting agencies.

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 2025-07-16 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:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX XXXX DATE XXXX XXXXXX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX DATE XXXX XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within XXXX  days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
I tried to dispute this information dating back to XX/XX/year> without receiving any documentation 1 ) full agreement with my signature 2 ) payment history 3 ) chain of custody

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter and an official Identity Theft Report to XXXX  via Certified Mail ( tracking number : XXXX ). This correspondence notified XXXX  of multiple fraudulent accounts appearing on my credit report, which were opened as a direct result of identity theft. I specifically requested that these accounts be blocked from my credit report under the provisions of 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

According to USPS tracking, this letter was delivered to XXXX  on XX/XX/year>. 

Upon review of my XXXX  credit report as of XX/XX/year>, XXXX  has only partially complied with my request. While two of the identified fraudulent accounts have been removed or blocked, a third fraudulent account, which is a charged-off account with the largest balance, remains on my credit report. This account, specifically a charged-off closed credit card account, is also a direct result of identity theft and was clearly identified in my original dispute and Identity Theft Report. 

XXXX has failed to fulfill its legal obligation under 15 U.S.C. 1681c-2 to block all information on my credit report that resulted from identity theft within four business days of receiving my valid identity theft report and detailed request. I have not received any official dispute results or notification from XXXX  regarding this remaining fraudulent account. 

My desired resolution is for XXXX  to immediately and permanently block this remaining fraudulent charged-off account from my credit report, as it is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several hard inquiries were made to my Experian credit file by companies I never applied for or authorized, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These inquiries occurred without my consent or a permissible purpose in violation of the FCRA, specifically 15 USC 1681b, which prohibits access to a consumer report without a valid reason. This situation mirrors XXXX v. Experian, where the court ruled that unauthorized credit pulls without a legitimate purpose violate the FCRA and entitle the consumer to damages. I demand the immediate deletion of these unauthorized 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 explanation
Consumer complaint received 2025-07-16 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:
This is a formal dispute of a collection item reported under my credit file. I have no knowledge of, nor did I authorize, the account in question. Reporting such false information without proper verification undermines my rights under the Fair Credit Reporting Act.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am writing after carefully reviewing my credit reports from TransUnion, Experian, and Equifax. I have identified several accountsspecifically related to late payments, collections, and a repossessionthat are inaccurately reported, outdated, or unverifiable. These reporting errors are severely affecting my credit standing and do not reflect the accurate status of my credit history. 

Despite previous attempts to dispute and resolve these issues directly with the credit bureaus, the items in question remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable information on my credit reports. The following discrepancies remain unresolved : Late Payments : There are accounts still showing late payment history even though the debts were either paid on time, settled, or brought current. Some show multiple late entries inconsistent across bureaus, and others were reported beyond the allowable time frame. 

Collection Accounts : Several collection entries lack validation or supporting documentation. Some appear to be duplicated across multiple bureaus with differing statuses. Others are outdated, paid, or never authorized. These accounts continue to report despite being disputed under FCRA 611 and 809 of the FDCPA.

Repossession : One or more repossession accounts are inaccurately reported and lack verifiable documentation of the original loan agreement, the lawful process of repossession, and the accurate balance or deficiency amount. Some reports still reflect this as an open or active derogatory account when it has long been resolved or should be removed due to reporting limits.

Additionally, certain items are labeled as dispute resolved consumer disagrees without providing the documentation I rightfully requested. This violates my right to full investigation and correction under FCRA 611 ( a ).

I am requesting immediate reinvestigation and removal of all unverifiable, outdated, or inaccurate entries. Failure to comply with these obligations under the FCRA and FDCPA may result in further action, including formal complaints with the CFPB and State Attorney General.

These errors are currently preventing me from obtaining essential financial opportunities, including housing and auto financing. I expect a full resolution and written confirmation within the time frame allowed by federal law.

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 2025-07-16 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: TX

Complaint narrative:
I am writing after carefully reviewing my credit reports from TransUnion, Experian, and Equifax. I have identified several accountsspecifically related to late payments, collections, and a repossessionthat are inaccurately reported, outdated, or unverifiable. These reporting errors are severely affecting my credit standing and do not reflect the accurate status of my credit history. 

Despite previous attempts to dispute and resolve these issues directly with the credit bureaus, the items in question remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and verifiable information on my credit reports. The following discrepancies remain unresolved : Late Payments : There are accounts still showing late payment history even though the debts were either paid on time, settled, or brought current. Some show multiple late entries inconsistent across bureaus, and others were reported beyond the allowable time frame. 

Collection Accounts : Several collection entries lack validation or supporting documentation. Some appear to be duplicated across multiple bureaus with differing statuses. Others are outdated, paid, or never authorized. These accounts continue to report despite being disputed under FCRA 611 and 809 of the FDCPA.

Repossession : One or more repossession accounts are inaccurately reported and lack verifiable documentation of the original loan agreement, the lawful process of repossession, and the accurate balance or deficiency amount. Some reports still reflect this as an open or active derogatory account when it has long been resolved or should be removed due to reporting limits.

Additionally, certain items are labeled as dispute resolved consumer disagrees without providing the documentation I rightfully requested. This violates my right to full investigation and correction under FCRA 611 ( a ).

I am requesting immediate reinvestigation and removal of all unverifiable, outdated, or inaccurate entries. Failure to comply with these obligations under the FCRA and FDCPA may result in further action, including formal complaints with the CFPB and State Attorney General.

These errors are currently preventing me from obtaining essential financial opportunities, including housing and auto financing. I expect a full resolution and written confirmation within the time frame allowed by federal law.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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