vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Central Holdings, LLC
State: IN

Complaint narrative:
I am filing this complaint because XXXX  and the furnisher, Credit Central LLC ( Account XXXX XXXXXXXX ), are violating the Fair Credit Reporting Act ( FCRA ) by knowingly reporting information that is inconsistent, unverifiable, and is being illegally re-aged. 

Deletion by Competing Bureau ( Inconsistency ) : The identical Credit Central account was fully DELETED from my XXXX  credit report after investigation found the data unverifiable. I have attached the official XXXX  dispute results confirming this deletion. For XXXX  to continue reporting this data is a violation of the FCRA 's standard for maximum possible accuracy across credit bureaus. 

Failure to Delete/Re-verification : I filed a subsequent dispute with XXXX  ( Dispute # XXXX ) providing this deletion proof. XXXX  denied my request on XX/XX/XXXX, claiming the data was " Verified as Reported '' but simultaneously indicating a change to the Account History, which is contradictory. 

Illegal Re-aging/Obscuring : Credit Central is attempting to illegally extend the reporting period of this obsolete account. The Date of First Delinquency is XX/XX/XXXX. The maximum legal reporting period is 7 years from this date, which would be XX/XX/XXXX. However, Credit Central updated the Date of Last Reported Update to an active date of XX/XX/XXXX, which incorrectly refreshes the account 's status as if a new negative event just occurred. This update and the continued reporting of the account is an attempt to illegally re-age the account in violation of 15 U.S.C. 1681i. 

I demand an investigation into Credit Central 's practice of updating negative accounts with current dates and XXXX  's failure to delete accounts that are either unverifiable ( as determined by XXXX  ) or have been improperly maintained past their legal reporting limit. 

Furthermore, the attached XXXX  PDF shows that Credit Central LLC as " On Record Until XX/XX/XXXX '' date. This helps prove the account 's original intended expiration date was passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
In 2025, Absolute Resolutions Investments ( XXXX  ) began reporting a {$2600.00} collection account that originated from a fraudulent XXXX XXXX credit card account. This account was opened through identity theft and is not mine. Prior to XXXX purchasing the account, XXXX XXXX was repeatedly notified that the account was fraudulent and was provided multiple police reports and an FTC Identity Theft Report. 



Despite having been put on notice of identity theft, XXXX XXXX sold the fraudulent account to XXXX on XX/XX/year>. After purchasing the account, XXXX immediately began reporting it to the credit bureaus as a valid collection account. 



I immediately notified XXXX of the fact that this account is fraud as a result of identity theft and is under dispute : They were provided with the following : Police identity-theft reports FTC Identity Theft Report Written disputes Documentation showing the account was not mine I also requested validation, including : a signed application, copy of identification, original account documents, and any materials used to verify the debt. XXXX stated they do not have a signed contract, do not have identification, and can not produce any documentation linking me to the account. Despite admitting they can not validate the debt, XXXX continues to report it to the credit bureaus and verify it during investigations. 



XXXX has continued collection activity and credit reporting even after receiving identity-theft documentation and without providing required validation. I am requesting CFPB assistance because XXXX is knowingly reporting and verifying a fraudulent identity-theft debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing this complaint because the dealership ( XXXX Honda of XXXX XXXX ) added unauthorized and deceptive add-on products to my lease contract without my consent, proper disclosure, or any separate signed agreements. 

The contract includes the following add-ons that I never approved, requested, or knowingly purchased : CarDoc Maintenance {$1300.00} Clear Shield {$890.00} Wheel Locks {$390.00} These items significantly increased the cost of the lease, and I was not informed clearly that these were optional nor was I provided any separate product contracts to review or sign. These add-ons were inserted into the electronic XXXX contract without full transparency. 

I paid {$1500.00} at signing, and the vehicle has less than XXXX miles because I am attempting to resolve this issue immediately after realizing the added charges. 

I emailed the dealership multiple times but they refuse to reply in writing. The only response I received was a phone call telling me to come to the dealership in person, which I declined because I want written documentation. 
Honda Financial Services has also not provided a written response. 

I am requesting the CFPB to investigate this dealer for possible deceptive practices, unauthorized add-on products, and unfair leasing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As attorney-in-fact under a valid XXXX Durable Power of Attorney ( DPOA ) for a XXXX dependent XXXX, I filed CFPB complaint XXXX on XX/XX/XXXX alleging that Wells Fargo enabled elder financial abuse . 

On XX/XX/XXXX, Wells Fargo acknowledged the complaint ( Case XXXX ) and stated they would respond within 10 business days. 

On XX/XX/XXXX, Wells Fargo sent a letter refusing to act, claiming they had no authorization to release information to a third party. This statement is incorrect and contradicts the legal documents they already received. 

This refusal enables ongoing financial abuse and violates multiple legal requirements : CA Probate Code 4128 Financial institutions must accept a valid Power of Attorney or request certification within 7 business days. 
CA Probate Code 4130 Unreasonable refusal to accept a POA creates liability for damages.

CA Welfare & Institutions Code 15630.1 Banks are mandated reporters and must take action when elder financial abuse is suspected or reported.

Dodd-Frank 1034 Requires meaningful, good-faith responses to consumer complaints. Wells Fargos XXXX letter is not meaningful and does not address the abuse. 

Attached XX/XX/XXXX court orders ( from an existing protective-order case ) confirm that my DPOA authority is valid, deny the abusers motions, and leave the prior restraining-order findings intact. The abuser has no legal right to the Social Security representative payee account opened in XXXX or to the XXXX checks deposited during XXXX. 

As of XX/XX/XXXX, the account remains active under the abusers control. No freeze, no report, and no protective action has been taken by the bank.

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I needed to send a money wire transfer, and it was denied by the bank with no reason. 
Because of their denial I lost a large sum of money. This was sent to pay a fee to my broker.

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 2025-11-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account that I never opened appeared on my Experian credit report. It is listed as : XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Charge-off amount : {$9000.00} Status : Closed Charged OfXXXX I am a victim of identity theft. I have : Filed an identity theft affidavit with the FTC Despite all documentation, the account has not been removed from my Experian credit report and continues to harm my credit. 

This failure to remove the fraudulent information violates my rights under the FCRA.

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 2025-11-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account that I never opened appeared on my Experian credit report. It is listed as : XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Charge-off amount : {$9000.00} Status : Closed Charged OfXXXX I am a victim of identity theft. I have : Filed an identity theft affidavit with the FTC Despite all documentation, the account has not been removed from my Experian credit report and continues to harm my credit. 

This failure to remove the fraudulent information violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened this account so that I can have my XXXX check from the state deposited into my synchrony bank account. My money was deposited and I linked 2 of my prepaid account to my synchrony account. Those 2 account are XXXX XXXX XXXX. Synchrony needed to verify these 2 accounts which required me on the phone with synchrony agent while they called the other 2 prepaid account to verify they belonged to me. We'll XXXX of the XXXX accounts were easily verified leaving XXXX that still needed to be verified because the number synchrony was calling from XXXX  had blocked. So everytime synchrony called it just gets a busy tone. If you call XXXX from any other number than XXXX number it will go through. So being that they could not verify my XXXX account my synchrony account is on hold/ freeze. I've been calling them everyday to find out the status or try to help them verify the account but they keep saying its under review. I just feel like they are not doing anything or even reviewing mu account. I requested to remove the XXXX account since its not able to be verified. But they won't even do that. I no longer have access to my account online and my debit card doesn't even work.

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and found information being reported that I believe is inaccurate, incomplete, or can not be verified under the Fair Credit Reporting Act. I contacted the credit reporting agency and the furnisher to request verification and documentation for the accounts being reported. However, the company did not provide any original signed contracts, account-level documentation, or evidence proving the accuracy or ownership of the information. 

Despite my disputes, the items continue to be reported without proper investigation or validation. The company failed to provide the required level of detail, did not confirm the accuracy of the information, and did not demonstrate compliance with the FCRAs verification and reinvestigation requirements. 

Because the furnisher has not provided documentation to support the reporting, and the credit bureau has continued to report the information without proper verification, I believe the information is unverifiable and inaccurately maintained in my file. 

I am filing this complaint because I have followed the dispute process and the companies involved have failed to conduct a proper investigation, failed to provide proof, and failed to correct or remove the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have negative depths on my credit report that I need to be removed because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX Balance {$7300.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX - included in regular letter XXXX  XXXX XXXX Balance {$2600.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX - previously late open/ included in regular XXXX XXXX XXXX Balance {$10000.00} -included in regular letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX Balance {$7300.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX - included in regular letter XXXX  XXXX XXXX Balance {$2600.00} Date opened XX/XX/XXXX Last Payment Date XX/XX/XXXX - previously late open/ included in regular XXXX XXXX XXXX Balance {$10000.00} -included in regular letter

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 2025-11-17 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: United Revenue Corporation
State: TX

Complaint narrative:
Victim of XXXX  Data Breach ( Case No. XXXX ) Violations : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION United Revenue are unlawfully harassing me over a purported debt of {$580.00} ; allegedly owed. United Revenue collection letters and calls supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation. 
In order to satisfy the consumer protection statutes at the federal and state level, United Revenue must furnish the following documents prior to its reporting of the account : 1. Original Purchase Agreement : A copy of the fully executed, original ( or certified copy ) purchase agreement that evidences the existence and terms of the original debt, including Plaintiffs signature or acknowledgment of the terms. 
2. Notice of Sale : A copy of the notice of sale or other documentation evidencing the transfer or assignment of the alleged debt from the original creditor to Defendant, evidencing a complete and unbroken chain of title.

3. Additional Permissible Purpose Documentation : Any additional documentation that demonstrates the existence of a legally cognizable permissible purpose pursuant to 15 U.S.C. 1681b for reporting the alleged debt. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against United Revenue for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal tray, commission identify, theft, affidavit. please delete these items as soon as possible.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-11-17 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: NC

Complaint narrative:
I am getting overwhelmed & anxiety attacks have been bad due to this, I cant get a place because of this negative account. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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