vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
So I order a product from a seller with in the app " XXXX '' an app I pretty frequent. I order from a seller named XXXX XXXX. I bought a XXXX XXXX XXXX XXXX XXXX XXXX I payed nearly XXXX bucks for this product and waited 2 weeks but nothing I contaced the sellee through XXXX where they sent me the conformation email and even their XXXX provided on their website. After awhile they never responded so i contaced XXXX support and they advised my to contact my card provider for a dispute, because the sellers website had be come offline and even the order which had a package status update went offline. So I realized the shop must have closed down. So I contaced cash app with tons of evidence and screen shots that the seller hasn't not contaced me back and hasn't even shipped the product to me. But I was denied twice with even a message from XXXX support even saying they've didn't ship the product. I even called and contaced cash app support contaced times but they keep saying to make another dispute, I called them asking what is it their looking for so I can get approved. And they keeped saying we'll email you but nothing, and to look at the past emails of the declined disputes but they just say the same thing, that the seller has for filled their obligations, but no that haven't. So now im righting this complaint to hopefully get some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNT : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-21 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:
I discovered multiple unauthorized accounts on my credit reports that I did not open, including credit cards and collection accounts from XXXX XXXX Bank, XXXX XXXX, XXXX, and XXXX Funding. These accounts were fraudulently established and do not reflect any transactions I made. My personal information was clearly used without consent, constituting identity theft. Under 15 U.S.C. 1681c-2, I formally request a block on all information resulting from this theft. Additionally, under 1681s-2, furnishers are required to report accurate data and correct or delete disputed information that is not verified. These provisions support the immediate removal of these items from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I discovered multiple unauthorized accounts on my credit reports that I did not open, including credit cards and collection accounts from XXXX XXXX Bank, XXXX XXXX, XXXX, and XXXX Funding. These accounts were fraudulently established and do not reflect any transactions I made. My personal information was clearly used without consent, constituting identity theft. Under 15 U.S.C. 1681c-2, I formally request a block on all information resulting from this theft. Additionally, under 1681s-2, furnishers are required to report accurate data and correct or delete disputed information that is not verified. These provisions support the immediate removal of these items from my credit files.

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 2025-06-21 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: PA

Complaint narrative:
I am filing this complaint due to the failure of the credit bureaus to properly investigate the disputes I have submitted regarding inaccurate and negative information on my credit report. These reporting errors have adversely affected my credit score and limited my access to credit, resulting in significant stress and financial 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 explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I am filing this complaint due to the failure of the credit bureaus to properly investigate the disputes I have submitted regarding inaccurate and negative information on my credit report. These reporting errors have adversely affected my credit score and limited my access to credit, resulting in significant stress and financial 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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have paid down my debt by a significant amount and the credit agency decreased my points. Paying off debt is supposed to increase your points. I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the handling of an account that your company has reported and verified. The account in question was marked as closed with a remaining balance, and despite my previous request for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), your company proceeded to verify the account without providing sufficient documentation. 

To date, I have not received the original contract, itemized charges, or any documentation proving I am legally obligated to pay this alleged debt. Simply verifying the account with the credit bureaus without proper debt validation is a violation of my consumer rights under federal law. 

Additionally, I would like a detailed explanation as to why the account was reported as closed with a balance, and request all relevant documentation to support this status. 

This letter serves as a formal dispute of the account. If you can not provide the required validation within XXXX  days, I respectfully demand that : The account be removed from all credit reporting agencies. 

You cease all collection activity related to this debt. 

You provide written confirmation of these actions. 

If this matter is not resolved appropriately, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Thank you for your prompt attention. I look forward to your written response. 

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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX  used TD Retail Card Services to finance purchases on XXXX we have been making payments since we aquire the account since XXXX. Never missed a payment, XXXX in XXXX decided to close out the account and also change the website payments. Eventhought we had set up automatic payments. We never received a statement or a document mentioning that the website is down and can not accept payment as they are modifying the website access. We tried contacting customer service as we did not have a physical credit card dispaying all 16 creidit card numbers in order to sign up to the new website that was displaying to sign up. After multy attempts to reach TD bank they placed a missed payment which is affecting my credit report. But we never received a physical credit card or the whole account number. We applied online and approved for the purchase and payments are made by saving your bank account and thats it. At this time I request that my credit report be fixed. As a consumer that has a good faith in paying the account and have keept my account in perfect estanding but this accounbt is affecting my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
On XX/XX/year>, a {$1000.00} charge was made to my Wells Fargo checking account by a company called XXXX XXXX I submitted a formal dispute to Wells Fargo on XX/XX/year>, explaining that the transaction was authorized under false pretenses and that the company used deceptive and coercive tactics to mislead me into believing I was paying a mandatory government fee to stay compliant with FMCSA ( USDOT # XXXX ). 

The merchant falsely presented themselves as a government agent. They used legal citations ( 49 CFR 367, 382, 391 ), titled themselves DOT Agent, and stated that I was not compliant and could face civil penalties of $ XXXX unless I acted immediately. They warned me to avoid other solicitors while failing to disclose they were one themselves. 

They also obtained my drivers license without disclosing they were a third-party service provider. I later found out I was already compliant with FMCSA, and the agency even refunded one of the filings ( UCR ), confirming the merchant acted improperly.

Despite this, Wells Fargo filed my dispute under unauthorized transaction instead of merchant fraud/misrepresentation, which caused the claim to be denied. My original complaint included legal documentation, timelines, and a breakdown of how I was deceived but the bank failed to reclassify or escalate the case properly. Because of this internal misfiling, both the Attorney General and XXXX also closed their investigations, believing the charge was legitimate.

This misclassification and failure to investigate based on the actual facts caused me direct financial harm, privacy risk, and business delays. The charge was not unauthorized it was a fraudulent merchant transaction, and Wells Fargo did not fulfill its duty under Regulation E ( 12 CFR 1005.11 ).

The original email is copied below. Screenshots are attached showing all of the companies I attempted to resolve this issue with. Unfortunately, I was unsuccessful due to a processing error on Wells Fargos part, which misclassified my dispute.

The evidence I provided includes : ( 1 ) the original complaint and documentation sent to Wells Fargo, ( 2 ) my XXXX dispute against the company, and ( 3 ) confirmation from the FMCSA/UCR that a refund was approveddemonstrating the company misrepresented itself and acted without proper authorization. Despite this, Wells Fargo still ruled the charge valid, ignoring both regulatory support in my favor and the deceptive nature of the transaction.

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 2025-06-21 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 explanation
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted Paypal Credit aka Synchrony Bank by phone regarding my account, which had an original balance of approximately {$300.00}. I have since been charged {$240.00} in late fees {$41.00} per month over several monthsdespite my ongoing efforts to resolve the debt. 

I explained to a representatives and multiple managers that I am willing and able to pay the full original balance. However, I requested that the {$240.00} in late fees be waived or removed, as they are excessive and disproportionate to the original amount owed. I also made clear that I am not seeking a settlement or debt forgiveness, but simply a fair and reasonable opportunity to pay the actual amount I borrowed. 

The manager informed me that my only options were to either accept a partial late fee waiver of {$140.00} or settle the account for less than the total balance. I declined both, as I want to resolve the account in good faith and have it reported as paid in fullnot settled or delinquent.

I believe these feestotaling over 80 % of my original balanceare punitive and possibly abusive, especially under the standards set forth in the CARD Act of 2009, which requires that late fees be reasonable and proportional. I also understand the CFPB has recently proposed new rules to cap such fees, suggesting that current practices may indeed be harmful to consumers.

I am requesting that the CFPB review this matter and urge Synchrony Bank to waive these excessive fees so I may pay my balance in full and close the account in good standing.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
Ok so I was supposed to receive a check on XX/XX/year> of XXXX check of XXXX. When I went on XXXX  XXXX  the day they said it hit it was nothing on there I called to see why and they only keep saying its not there, then I called my depositor and there saying they sent and didnt receive the check back. Ive been calling XXXX XXXX about the same thing for almost a month now and still getting the same response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Theres a closed credit card on my account that I never opened. Capital one that I would like removed along with the missed payments and derogatory marks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: PA

Complaint narrative:
I was never contacted about payment or repayment then started receiving XXXX day late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file an official complaint against XXXX XXXX XXXXXXXX regarding a charge-off that is being falsely reported on my credit report. 

Despite multiple attempts to resolve this issue with your customer service representatives, I continue to see this charge-off actively listed on my credit reports. Every time I contact your team, I am told that no such account or charge-off is showing in your system. However, I have sent you clear proof, including screenshots and copies of my credit report, which explicitly show XXXX XXXX XXXX as the furnisher of this negative account. 

It appears that either : This issue is being misrouted to the wrong department, or Your internal records are not syncing properly with what is being reported to the credit bureaus. 

Either way, XXXX XXXX  XXXX remains ultimately responsible for correcting false or outdated credit reporting. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputed credit information and correct or delete inaccurate, incomplete, or unverifiable data within XXXX days. 



What I Am Requesting : XXXX. A full internal investigation of the charge-off XXXX XXXX  is reporting. 
XXXX. A written confirmation that XXXX XXXX  has requested deletion or correction from all three major credit bureaus. 
XXXX. A copy of any records XXXX XXXX  claims to have associated with this alleged account or debt. 



Failure to Act Will Result In : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A complaint filed with the Federal Trade Commission ( FTC ) Contact with the credit bureaus under Section XXXX of the FCRA Potential legal action for credit defamation and non-compliance This matter has gone unresolved for far too long. I am demanding immediate action and a full written response within XXXX business days.

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