vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am sending to you today because I believe it is important that my credit report accurately reflects the truth of my financial history, and recently I discovered a reporting issue that does not align with the complete or accurate information required under the Fair Credit Reporting Act. As I reviewed my TransUnion credit file, I noticed something unusual with one particular account XXXX, account ending XXXXXXXX XXXX XXXX and it prompted me to look deeper into how it was being reported. This account, with a balance of {$390.00}, opened on XX/XX/XXXX, and last active on XX/XX/XXXX, carries a series of reported late payments : specifically, XXXX late marks from XX/XX/XXXX to XX/XX/XXXX, and again from XX/XX/XXXX to XX/XX/XXXX. What immediately caught my attention was that these same late entries do not appear on my other credit bureau files. As someone who takes pride in maintaining financial responsibility, this inconsistency caused genuine concern because credit reporting should be uniform, accurate, and reflective of the same verifiable history across all bureaus.Under FCRA 611 ( 15 U.S.C. 1681i ), as a consumer, I am granted the right to dispute items on my credit report that I believe to be inaccurate or incomplete. Congress, through FCRA 602, emphasized that the purpose of the FCRA is to ensure fair and reliable credit reporting so that consumers are not harmed by inconsistencies or reporting practices that do not reflect the true nature of their financial accounts.

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXXMy name is XXXX XXXXSince XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXXI saw an American Express line of credit of XXXX in my credit report on late payment, a credit card that I do not use the only one I have and hardly use is a small line of credit that I have with XXXX and I do not use much. I call Amex express XXXXXXXX early this year and I asked for information and I provide all my information and they could find anything that match with the account. Later I found the credit card number related to that balance American expressXXXX XXXX XXXX XXXX XXXX XXXX, balance XXXX and I provide information and of course there my personal information does not match the information in the account and this is link to a company called XXXX XXXXI told them I do not have a business, I never had and I provide my current address and all my previous address and of course does not match to the account. I told them to please transfer me to the Fraud department and they said they already sent for collection something that I do not own. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
To Whom It May Concern at the CFPB, I am submitting this complaint regarding Cash Apps failure to resolve a fraudulent transaction I reported. 

On XX/XX/year>, I filed a dispute with Cash App concerning a fraudulent transaction. 
As of XX/XX/year>, it has been 94 days since my initial complaint, far exceeding the XXXX-day investigation period Cash App advised. 
Despite repeated emails and chats with Cash App XXXX, I have only been told the matter was escalated, with no clear explanation of the investigation or progress. 


Most concerning is the inconsistency in Cash Apps handling of the case : Cash App refunded {$13.00} of the fraudulent transaction. 
However, the remaining {$660.00} has not been refunded, despite being part of the same fraudulent transaction. 
Cash App has provided no explanation for why XXXX portion was refunded while the other remains unresolved. 


This prolonged delay, lack of transparency, and inconsistent resolution are unacceptable. I have provided all necessary information multiple times, yet Cash App continues to stall without justification. 

I respectfully request that the CFPB intervene to ensure Cash App completes its investigation and issues the full refund owed to me. I am prepared to provide copies of all correspondence with Cash App to demonstrate the repeated delays and lack of resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO 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 2025-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Synchrony Bank had denied my payment for several months from XXXX until XXXX, 2025. When they finally acknowledged the payment on XX/XX/XXXX, they did not remove the disputed amount from my account. They continue to claim that I owe that amount. I have requested an audit of my former account but Synchrony Bank has not done that audit. 

In addition, I have received text messages and phone calls daily from Synchrony Bank which amounts to harassment, I request they cease and desist this practice of harassment and comply with my request that they audit the account to disclose their accounting error. Thank you for assistance on these XXXX requests : audit the account and cease and desist harassment.

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 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX of this year ( XXXX  ) I realized someone had access into my bank account and made unauthorized movements, they sent money using Chime 's feature called " Pay Anyone '', in short word they sent money multiple times to the same person. I immediately called Chime to resolve the issue and even after explaining to them that they accessed using another phone and they being in another state far away from where I currently live all they said was " we will investigate this ''. I mean how hard is it to take a look on the logs and check it is impossible for me to be in XXXX different states with different phone... And after XXXX  days they closed the Dispute saying there was no error basically saying I'm Lying... I changed passwords from Chime account and XXXX, days went by and same unauthorized transaction happened to the same person on XX/XX/XXXX ... By XX/XX/XXXX that guy has made XXXX unauthorized transactions and still had access to my account even though I deleted all devices from the app and changed passwords... Had the XXXX step verification and everything and still was able to log in without activating the XXXX step verification.... I've made another Dispute and re opened the old XXXX, asked them if they could give me the phone number of the person or location as he's a chime member which they weren't any help... So I asked them to freeze my account so he doesn't take more money than already has and to possibly re open it after clearing everything which they did and said the account will be closed in XXXX  days, we will give you time to move funds ( I have none, were stolen ) and all that ; The lady on the phone assured me that I was going to still be able to add proof to the Dispute investigation... But weird enough, after asking them to temporary close my account while I fill out police reports, XXXX complaints and all that I cant access to my bank. I'm having an " error '' it seems to me like they don't want me to defend myself?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am sending a complaint regarding multiple inaccurate, unauthorized, and unverifiable items appearing on my Equifax credit file, which Equifax has failed to correct despite my dispute under the FCRA and FDCPA. My report contains personal information that is not mine, including the address XXXX XXXX XXXX, XXXX XXXX, SC XXXX, which I have never lived at or been associated with, in violation of FCRA 607 ( b ). My file also shows a fraudulent or unverified collection account from XXXX for {$1600.00} that I do not recognize, was never billed for, and believe is the result of identity theft or a mixed file. Additionally, several accounts including XXXX XXXX, XXXX XXXX, and XXXX are reporting inaccurate, inconsistent, or unverifiable charge-off information. Under FCRA 605B, 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ), as well as FDCPA requirements, I requested that Equifax conduct a reasonable reinvestigation, remove inaccurate and unverifiable data, block any identity-theft-related information, and provide documentation used to verify these items. Equifax has not provided proper validation or corrected the reporting. These inaccuracies are significantly harming my credit and financial stability, especially given my exposure to multiple national data breaches. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX, XX/XX/year> Applicable Federal Statutes FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA 807809 Prohibits false, deceptive, or unverifiable collection activity

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 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XXXX XXXX XXXX, my XXXX XXXX debit card showed approximately {$2600.00} in unauthorized transactions. I reported the fraud and BMO provided provisional credit. On XX/XX/year>, BMO issued a final decision ( attached ) listing the disputed transactions but provided only {$190.00} with no explanation or supporting documents. After I sent my evidence and requested the documents under 12 C.F.R. 1005.11 ( d ), BMO reversed a portion of the provisional credit, sent my account negative, assessed multiple fees, and later closed my account. The merchant confirms it never received returned funds from BMO related to these transactions. BMO failed to produce the complete investigation file within XXXX business days as required and has not explained the basis for its reduced credit. This mishandling caused overdrafts, returned-payment fees, reconnection fees, late fees, account closure, and significant emotional and financial hardship. I am requesting full reimbursement of all unauthorized transactions ( approx. {$2600.00} ), reimbursement of all related fees, reinstatement of my account or assistance opening a comparable account without negative reporting, production of the complete investigation file, and an additional {$500.00} for hardship.

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Complaint against Master Servicers ( aka principals ) Wells Fargo bank and XXXX XXXX XXXX for fraud, racket, money laundering, theft, intentional infliction of emotional distress and other crimes. And demand to immediately cease and desist their criminal activities. 

On XXXX XXXX I was drafted into a securitization scam operated by hedge fund XXXX XXXX who via chain of sham conduits sold me a table funded dry transaction- illegal in Michigan XXXX XXXX who posed as the property Sellers lender allegedly issued a false release of mortgage on XXXX XXXX- which is evident that no money came from anyone at my closing on XXXX XXXX, because it was a dry table funded transaction in violation of Michigan predatory lending laws, TILA and RESPA Well Fargo started to steal my payments via its XXXX companies XXXX and XXXX whose employees collected my checks via complex chain of XXXX XXXX and laundered all my money via sham accounts in XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Mortgage Servicing Platform which is owned and operated by XXXX XXXX XXXX XXXX XXXX XXXX of undisclosed to me XXXX or of Wells Fargo logged into MSP and transferred my payments from XXXX  account into another, secretive account without crediting a cent to any principal or any XXXX  Wells Fargo also has XXXX agreements with XXXX XXXX XXXX XXXX which Wells Fargo steal and launder my payments in this complex racket scheme Both banks illegally and secretly, acting names of various fake companies, conducts servicing of my transaction via XXXX XXXX and XXXX who paid for my property taxes and home insurance from unknown to me funds. My funds are collected by Wells Fargo via its XXXX XXXX As the result, all my money are stolen and laundered by Wells Fargo and XXXX XXXX XXXX XXXX 

I demand Wells Fargo and XXXX XXXX XXXX to immediately cease and desist any involvement or any collection racket of my funds and refund me already stolen money

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 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
My car was repossessed and sold at auction on XX/XX/XXXX. I was sent a statement letter showing that I had an approximately {$6000.00} surplus that I was owed. The letter also stated that I should be receiving that surplus check on or around XX/XX/XXXX. The check never came. Around XX/XX/XXXX, I called Honda and spoke to a representative that told me the check was being processed, and I should receive in about XXXX days. On or around XX/XX/XXXX, I called Honda again because I have not received the check. I was told by another representative that the check was still being processed and now I have to wait another XXXX days. To date I still have not received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am sending this complaint in pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my TransUnion credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} Date XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Additionally, I have been affected by multiple national data breaches other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable information. These items violate FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) and must be deleted promptly. 
Requested Action ( Required Under Federal Law ) Under FCRA 605B, 607 ( b ), 611, and FDCPA requirements, I am requesting that TransUnion : Conduct a reasonable reinvestigation Block and delete any identity theftrelated or unauthorized information Remove all unverifiable, inaccurate, or mixed-file data Provide written results of the reinvestigation Provide copies of ALL documentation used to verify disputed items ( per FCRA 609 ( a ) ) If any furnisher can not provide legally valid documentation including signed contracts, billing statements, or proof of permissible purpose the information must be deleted, not updated. 
Applicable Federal Statutes FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA 807809 Prohibits false, deceptive, or unverifiable collection activity.

Company response to consumer: Closed with non-monetary relief