vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint regarding inaccurate and unauthorized information being reported on my credit file, which violates the Fair Credit Reporting Act ( FCRA ). Despite my efforts to maintain accurate records, the following items have been reported incorrectly and are negatively impacting my credit profile : Bankruptcy XXXX  XXXX Docket Identifier XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX This bankruptcy record is falsely associated with me. I have never filed for bankruptcy, nor have I ever been involved in any such proceeding in any court. This information appears to have been reported in error, and I request an immediate investigation into how this false record was placed on my credit file. 
XXXX Inquiry Dated : XX/XX/year>XXXX  This credit inquiry was not authorized by me. I did not apply for credit or grant XXXX permission to access my credit report. This constitutes an unauthorized inquiry and is a clear violation of the FCRA. I request that this inquiry be removed and that the bureau provide documentation showing who initiated this access and for what purpose. 
These inaccurate entries have caused harm to my credit standing and do not reflect my actual financial history. I request the CFPBs assistance in ensuring that the credit reporting agencies and the data furnishers investigate these issues thoroughly and delete any unverifiable or incorrect information from my credit file. 
Please confirm receipt of this complaint and provide me with updates regarding the actions taken by the reporting entities to resolve these issues.

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 2025-11-01 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: GA

Complaint narrative:
I recently inquired about getting an auto loan through experian database. During the process they did not notify me as a customer that this will be a hard credit inquiry on my credit profile. The only thing that they stated is that they had a third party system that would a course see if I have offers to refinance my auto loan.

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 2025-11-01 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is a follow-up to my prior CFPB complaint regarding Synchrony Banks mishandling of my XXXX  XXXX XXXX XXXX  account. Despite certified-mail presentments, billing-error affidavits, and lawful payment tender that were received and signed for by Synchrony, the company continues to furnish inaccurate and damaging information to credit bureaus. As of XX/XX/year>, Synchrony lowered my credit limit from {$2000.00} to {$250.00} and reported a {$2200.00} balance ( 888 % utilization ). When I contacted Synchrony via live chat, representatives admitted they do not have the option to correct the reporting or provide written confirmation of the dispute, which violates 15 U.S.C. 1666 and 1681s-2 as well as 12 C.F.R. 1026.13. I request immediate CFPB investigation, deletion or correction of all inaccurate tradeline data, restoration of my original credit limit or {$0.00} balance status, and written confirmation that this account is formally marked in dispute. Please note that as of XX/XX/year>, Synchronys prior inquiry was deleted from my credit report, confirming data changes are possible. I request immediate correction of the remaining inaccurate tradeline and written proof of compliance.

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 2025-11-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the U.S. Federal Trade Commission, confirming these items were reported as fraudulent and are the result of identity theft.

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 2025-11-01 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: MO

Complaint narrative:
This complaint is being filed with the Consumer Financial Protection Bureau ( CFPB ) pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that all 3 bureaus block and remove all fraudulent information from my consumer credit report within four ( 4 ) business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. These accounts have led to multiple fraudulent hard inquiries and collections being reported on my consumer credit report. I do not recognize or authorize any of the above accounts, inquiries, or collections. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have included a copy of my FTC Identity Theft Report ( Criminal Complaint # ( Private Case Number ) ) as official documentation from the U.S. Federal Trade Commission, confirming these items were reported as fraudulent and are the result of identity theft.

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 2025-11-01 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:
I am writing to formally request a reinvestigation of an inaccurate address currently listed on my credit report. The address showing XXXX XXXX XXXX XXXX XXXX, TX is incorrect and does not exist. 

When I initially filed my dispute, I provided both a utility statement and government-issued identification to verify my correct address. Despite this, the dispute results were returned as verified, which leads me to believe a thorough investigation was not completed. 

Additionally, I was informed that the dispute results are being mailed to my correct address which is XXXX XXXX XXXX XXXX, TX XXXX, further confirming that the address displayed on my report is inaccurate. I respectfully request that this matter be reexamined and corrected promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I opened my checking account in XXXX of this year. For opening the account I was offered {$400.00} bonus if I direct deposited {$3000.00} within a 90 day period. According to the verbal terms advised to me I was told I had 90 days starting the date I made the first direct deposit. They had me sign somethings on a computer however only verbally explained the promo never showed me in writing. I confirm with the branch manager and the banker several times I had 90 days from the first direct deposit to meet the {$3000.00} requirement. They assured me yes that was the case. If they had not told me this I would have waited a few days to open the account. I waited the period to receive my bonus and never received it. I called the call center and escalated to the executive dept to try to resolve the issue however they continue to deny my {$400.00} that I was promised. This is wrong that the branches are lying to consumers to open accounts. This is bad business practices. I would like this matter further reviewed please so I can receive my {$400.00} because of the $ XXXX I have direct deposited within 90 days of the first direct deposit. 


Wells Fargo case number : XXXX Wells Fargo case number : XXXX Reference # XXXX Thank you for your help

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 2025-11-01 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: OH

Complaint narrative:
I am disputing inaccurate charge-off reporting by XXXXXXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX  ) that violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Metro 2 Reporting Standards. 

Two XXXX XXXX accounts continue to report the same charged-off balances ( {$2000.00} and {$610.00} ) each month since XXXX, even though the debts were charged off years ago. Under Metro 2 fields XXXX, XXXX, and XXXX, a charged-off or sold account must report a {$0.00} balance and Closed/Transferred status. XXXX XXXX ongoing furnishing of static, unpaid charge-off data is inaccurate, misleading, and damaging to my credit score. 

I previously disputed these items with XXXX, TransUnion, and XXXX, yet XXXX XXXX continues to re-report the same false balances. 

I also request proof of securitization or sale under 15 U.S.C. 1641 ( g ) and Regulation Z 1026.39 ( d ) showing whether these accounts were transferred, securitized, or pooled into any trust. Additionally, I request any IRS Form 1099-C ( Cancellation of Debt ) filed under 26 U.S.C. 6050P, which must be issued when a debt is charged off or forgiven.

If either event occurred, XXXX XXXX has no legal authority to continue reporting any owed balance. 

I am requesting immediate deletion or correction of both tradelines and {$1000.00} in compensation for negligent and willful non-compliance causing credit harm and emotional distress. 

Supporting XXXX  documentation is attached.

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 2025-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank They keep charging excess tax fees for transferring between my own accounts. Its getting to the point where theyre taking so much money that I cant pay for my basic necessities. I have tried to deal with this personally with the bank and the CEO but nothing is being done. XXXX dollars Every time I transfer in between my account. Between my own accounts in the app. They have probably taken at least hundreds of dollars or more over the years. With everything going on with the government right now I cant afford to lose all this. They say its after a certain amount of transfers you get billed but I get billed no matter what

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because multiple inaccurate and unverifiable items are being reported on my credit reports by various furnishers and the credit reporting agencies. These inaccuracies are negatively affecting my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Below are the specific issues and accounts in question : XXXXXXXX XXXX XXXX XXXX, MA XXXX Wrong Address In addition, the following accounts are being reported inaccurately and require prompt correction or removal after verification : XXXXXXXX XXXX XXXXXXXX ( Acct : XXXXXXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2700.00} This account is being reported as a charge-off, which is incorrect. I have no knowledge of this account or any debt related to it. Please provide full validation or remove it entirely if unverifiable. 
XXXX XXXX ( Acct : XXXXXXXX XXXX ) Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$6800.00} This account is being incorrectly reported with late payments. I have never been late on this account, and the payment history should be corrected to reflect an accurate and positive status. 
XXXX ( Acct : XXXXXXXX XXXX XXXX ) XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} This account also shows inaccurate late payment reporting. Please verify your records and correct the status to reflect on-time payments. 
XXXX ( Acct : XXXX ) XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$850.00} This is listed as a collection account that I do not recognize. I have no knowledge or records supporting this account. Please provide validation, including original creditor information, or remove it from my credit file. 
These errors violate FCRA 602 ( A ), 607 ( B ), and 611, as the credit bureaus and furnishers are required to report accurate information and to verify any data disputed by the consumer. Furthermore, if verification can not be provided, the items must be deleted immediately.

I have already contacted the credit bureaus to dispute these items, but the inaccurate information remains. I am now requesting CFPBs assistance to ensure that these furnishers and credit reporting agencies conduct a full and proper investigation, correct or delete unverifiable information, and confirm compliance with the law. 
Please investigate these reporting violations and hold the involved parties accountable for failing to maintain fair and accurate reporting standards. 
Thank you for your assistance.

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 2025-11-01 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: FL

Complaint narrative:
I am truly frustrated to see that these inaccurate accounts are still appearing on my credit report even after everything Ive done. Im pleading that you carefully go over the documents Ive sent so this issue can finally be put to rest and I can have some peace of mind.

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 2025-11-01 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct : XXXX, Acct : XXXX, Acct : XXXX, has violated my rights. 

And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are not suppose to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: LA

Complaint narrative:
On XX/XX/year>XXXX  a debt collection was posted to my credit report from a collection named USCB CORPORATION, in the amount of {$2300.00}. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : The general dispute section that requires CRAs to reinvestigate disputed information within 30-45 days. However, Section 605B is the specific and faster route for identity theft.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/year>XXXX  Date : XXXX To : XXXX  XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Account Reporting Account Name : Midland Credit Management Account Number : XXXX Dear XXXX, I am writing to formally dispute the accuracy of the Midland Credit Management account listed on my XXXX  credit report. The account is reported as a collection account with a past due balance of {$790.00} allegedly originating from XXXXXXXX XXXX XXXX XXXX 

I dispute this account in its entirety on the grounds of inaccurate, incomplete, and unverifiable information. I have never received proper verification of this debt, nor have I provided Midland Credit Management with written consent to collect or furnish this information to the credit reporting agencies, as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

Please conduct a full investigation into this matter. If Midland Credit Management can not verify the account with complete documentation from the original creditor, I am requesting that this item be immediately deleted from my credit report pursuant to 15 U.S.C. 1681i.

Please provide written confirmation of the results of your investigation and an updated copy of my credit report once your review is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Signature if mailing ] SSN ( Last XXXX ) : XXXX DOB : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account currently reported as owed to MRS BPO / XXXX. 
It has come to my attention that this account was purchased by a third-party collector. The amount listed on my credit report is not accurate and does not reflect the amount that was purchased or settled by the third-party collector. I do not know how much the collector paid for this debt, and this information is not reflected anywhere on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i ( a ), all information reported to credit bureaus must be complete, accurate, and verifiable. Reporting a debt with an incorrect or incomplete amount violates federal law. 
Since the information currently reported is not accurate and not complete, I request that this collection account be deleted immediately from my credit report. Please provide written confirmation once this deletion has been completed. 
I have attached a copy of my credit report highlighting the disputed account for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested proof that I were late on the accounts reported. I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation