vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a complaint regarding Bank XXXX XXXX handling of fraudulent charges on my account. My account had XXXX unauthorized ( fraudulent ) charges, which I promptly reported to the bank. It has now been over XXXX business days since I reported the issue, yet the bank has refused to provide a temporary credit or any meaningful update regarding the status of their investigation. 
When I call customer service, I am repeatedly told that the bank does not provide temporary credits. However, their own statements and federal law ( Regulation E ) require them to issue a provisional or temporary credit if the investigation can not be completed within XXXX business days. Either I am being misinformed by their representatives, or the bank is failing to comply with the law. 
It has now been almost a month, and I have not received any temporary credit, documentation, or explanation of their findings. I am requesting that Bank of Hawaii follow the law and provide the required provisional credit while their investigation continues. 
Thank you for your attention to this matter. I am happy to provide any additional details, account records, or correspondence upon request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I am a 100 % permanently and totally XXXXXXXX veteran receiving VA XXXX compensation ( XXXX ). The XXXX XXXX Department XXXX XXXX XXXX XXXX reported a child support obligation to Experian that was calculated using my VA disability benefits, which are federally exempt from attachment or enforcement under 38 U.S.C. 5301 ( a ) ( 1 ). 
I disputed this reporting with Experian on XX/XX/2025, and again on XX/XX/2025. On XX/XX/2025, Experian responded that the account was either updated or deleted. The tradeline was not deleted and remains on my report showing a XXXX XXXX  monthly obligation. 
Experian failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. The furnisher ( XXXX XXXX XXXX ) verified the account despite written confirmation that XXXX benefits were used to calculate income. No VA apportionment order exists. 
This reporting is inaccurate, discriminatory, and preempted by federal law. It continues to harm my credit, housing applications, and employment opportunities. I am requesting CFPB intervention to compel Experian to delete this account and confirm the verification method used.

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 2025-10-27 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: NM

Complaint narrative:
On XXXX looked at my report. I sent a letter to Experian, XXXX and XXXX on XXXX asking them to reinvestigate these accounts, they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general.lf, 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2025-10-27 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: MS

Complaint narrative:
I recently obtained a copy of my credit report and discovered that inaccurate personal information is being reported in the personal information section. Specifically, the report includes name variations, previous addresses, or employer details that do not belong to me and have never been associated with my identity. 

I contacted the credit bureau to dispute these inaccuracies and requested that only my legal name, correct address, and accurate identifying details remain on file. I also provided supporting documentation, including a copy of my government-issued ID and a recent proof of address. 

Despite providing the required verification, the incorrect information remains on my report, which could cause confusion or potential harm to my credit profile. I am requesting that the inaccurate personal information be permanently removed and that my file reflect only verified and accurate details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently obtained a copy of my credit report and discovered that inaccurate personal information is being reported in the personal information section. Specifically, the report includes name variations, previous addresses, or employer details that do not belong to me and have never been associated with my identity. 

I contacted the credit bureau to dispute these inaccuracies and requested that only my legal name, correct address, and accurate identifying details remain on file. I also provided supporting documentation, including a copy of my government-issued ID and a recent proof of address. 

Despite providing the required verification, the incorrect information remains on my report, which could cause confusion or potential harm to my credit profile. I am requesting that the inaccurate personal information be permanently removed and that my file reflect only verified and accurate details.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has repeatedly rejected my valid FCRA 605C XXXX documentation and blocked my online dispute access. My packetsdelivered XX/XX/year> and XX/XX/year> with proof of receiptmet all federal requirements. Im requesting CFPB intervention to compel TransUnion to accept my documentation, unblock my access, and remove coerced debts as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IA

Complaint narrative:
Complaint : Inaccurate Credit Reporting and FCRA Violations I am filing a complaint against the nationwide consumer reporting agencies ( TransUnion, Experian, Equifax ) for failing to maintain reasonable procedures to assure maximum possible accuracy of my credit information, as required by the Fair Credit Reporting Act ( FCRA ). 
The Problem : My credit reports from all three bureaus are riddled with material inaccuracies and inconsistencies on multiple accounts, including XXXX ( auto loan ), XXXX XXXX XXXX and several collections ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Key details like account balances, payment status, and dates differ from XXXX bureau to the next, proving the data has not been properly verified. 
Examples of Inconsistencies : XXXX XXXXXXXX auto loan is reported as a " Charge-off '' with two bureaus and a " Repossession '' with another. The amount owed differs by over {$2500.00}. 
The XXXX XXXX account shows three different " High Balance '' amounts : {$270.00}, {$0.00}, and {$200.00}. 
Collection accounts are reported as " Open '' with one bureau and " Closed '' with others. 
Attempts to Resolve : I have disputed these errors directly with the credit bureaus as required by law. 
Desired Resolution : I want the credit bureaus to conduct a proper, legally-mandated reinvestigation of these items, delete all information that can not be verified, and correct all inaccuracies. Their failure to maintain accurate data is harming my credit score and my ability to obtain credit

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 2025-10-27 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: NY

Complaint narrative:
I am submitting this formally dispute several inaccurate and misleading late payment entries currently appearing on my credit report. I am exercising my rights under FCRA 611 ( 15 U.S.C 1681i ) to dispute inaccurate information, 623 ( a ) ( 2 ) which requires furnishers to correct and update information, 623 ( b ) regarding the furnishers duty to investigate disputed data, and 602, which underscores Congresss intent for fair and accurate credit reporting practices that protect consumers like myself from harm due to inaccurate reporting. 
Below, I will provide a brief explanation and reasoning for each account listed. I kindly request a thorough investigation and correction of these inaccurate late payment notations. 
XXXX BANK, XXXX XXXX Balance : {$8700.00} late 30 days XXXX NR/SMS/CAL XXXX Balance : {$160000.00} late 30 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} late 30 days XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} late 30 days XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
I am submitting this formally dispute several inaccurate and misleading late payment entries currently appearing on my credit report. I am exercising my rights under FCRA 611 ( 15 U.S.C 1681i ) to dispute inaccurate information, 623 ( a ) ( 2 ) which requires furnishers to correct and update information, 623 ( b ) regarding the furnishers duty to investigate disputed data, and 602, which underscores Congresss intent for fair and accurate credit reporting practices that protect consumers like myself from harm due to inaccurate reporting. 
Below, I will provide a brief explanation and reasoning for each account listed. I kindly request a thorough investigation and correction of these inaccurate late payment notations. 
XXXX BANK, XXXX XXXX Balance : {$8700.00} late 30 days XXXX NR/SMS/CAL XXXX Balance : {$160000.00} late 30 days XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} late 30 days XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} late 30 days XX/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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a fraudulent text, then a phone call from a fake Well Fargo representative. I was advised my account had been compromised and needed to be closed. The representative walked me thru steps to close and secure my account as well as send me a new debit card. The call was suddenly dropped and my money was gone. I was tricked into transferring {$2300.00} into a XXXX XXXX account while my back account was being closed and secured. The number the text and call came from were invalid. I immediately reported the incident in its entirety to my financial institution ( Wells Fargo ) but my claim was denied.

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 2025-10-27 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: TX

Complaint narrative:
This letter serves as notice of my intent to pursue binding arbitration and litigation against Experian PLC ( Experian ) for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report. 

I. INACCURATE ACCOUNTS AND INFORMATION Despite my previous dispute ( s ), Experian continues to report the following inaccurate information on my consumer credit report : II. PREVIOUS DISPUTES I have previously disputed these inaccurate items with Experian : XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX. Date Filed : XX/XX/XXXX XXXX. XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX. Account XXXX. XXXX. Balance : {$0.00}. XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX$20000.00} ( Fraud Commenced XX/XX/XXXX ) Despite my reasonable investigation requests Experian has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Experian violates VIOLATION : 15 U.S.C. 1681i - INVESTIGATION PROCEDURES Experian dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
* * Consumer Dispute and Complaint Explanation * * ( To Credit Bureaus and XXXX XXXX XXXX ) * * Subject : * * Incorrect Identification and Improper Debt Reporting LVNV Funding LLC To Whom It May Concern, I am filing this dispute and complaint regarding inaccurate and improper reporting and collection actions associated with * * LVNV Funding LLC * * and their legal representatives * * XXXX, XXXX XXXX XXXX, XXXX * *. 
This company has initiated a collection lawsuit against me in the * * XXXX District Court of Michigan * * under the name * * XXXX XXXX * * ( Case No. XXXX ). However, my full legal name is * * XXXX XXXX XXXX * *, as it appears on all official identification documents, including my drivers license and government records. 
Because the name used in their filing does not accurately identify me, the alleged debt and court action do not legally correspond to my identity. I have * * never received prior notice * * of this debt, and the company failed to provide * * any validation or documentation * * proving the debt is mine as required by the * * Fair Debt Collection Practices Act ( FDCPA ) * *, 15 U.S.C. 1692g.

Furthermore, if this account or judgment is being reported to any credit bureau, such reporting constitutes a violation of the * * Fair Credit Reporting Act ( FCRA ) * *, 15 U.S.C. 1681s-2 ( a ), for furnishing inaccurate or unverifiable information. 
I am requesting : 1. Immediate * * investigation and deletion * * of any accounts, judgments, or collections reported under the name XXXX XXXX that are not properly validated and do not match my legal identity. XXXX. A copy of all documentation used to verify this debt. XXXX. Confirmation that this incorrect record has been corrected or removed from my credit file. 
Attached are copies of the * * court document showing the incorrect name * * and my * * identification * * proving my full legal name. I am also filing this with the * * Consumer Financial Protection Bureau ( CFPB ) * * and * * Federal Trade Commission ( FTC ) * * to document the ongoing misuse of my personal information. 
Sincerely, * * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I am again filing a complaint as I continue to resolve an issue with XXXX. I have been trying to resolve this issue since XXXX. I have been a member with XXXX for 10 years, however the last time I have used the company I have run into XXXX issues that have not been resolved. 

First my car was towed out from PA to CT in XXXX. They assigned me a towing company that overcharged me and was very unprofessional. I have spoken with XXXX different people. The CT representatives continued to state the PA club was responsible so they forwarded the issue to their department. Came to find the PA club forwarded the issue again back to the CT club saying that they are the ones responsible. They will not do anything to resolve this issue. They continue to pass the hot patato around not claiming any responsibility. I will continue to dispute this amount and even get legal advice to resolve this issue. I will soon expose this issue on my social media where I have close to XXXX followers. Maybe then XXXX will resolve this issue promptly and so will my credit card company. 

I ask again for my credit card company to insist on resolving this issue. I appreciate the time spent so far on resolving this issue since XXXX. I am personally exhausted myself. 

Thank you, 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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had overdraft fees or fees taken even when there was no money in the account sending the account to negative territories.

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 2025-10-27 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: WA

Complaint narrative:
I am formally disputing the following unauthorized inquiries, which were made without my authorization and without a permissible purpose, in violation of FCRA 604 ( 15 U.S.C. 1681b ), and appear to be the result of a mixed file or mistaken identity : XXXX XXXXXX/XX/year> XXXX XX/XX/year> Under FCRA 604, a consumer reporting agency is only permitted to furnish a credit report if there is a legally recognized permissible purpose, such as my application for credit, insurance, employment, or other situations specifically authorized by law. I have never applied for credit or services with the companies listed above, nor have I provided authorization for them to access my credit report. These inquiries are therefore unauthorized and unlawful.

Company response to consumer: Closed with explanation