vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: PR

Complaint narrative:
This complaint is against Equifax for repeated investigation obstruction and identity file processing negligence. 

Timeline of events and actions taken : - First dispute attempt submitted to Equifax online : XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
- Identity verification documents sent by consumer via postal mail : XX/XX/XXXX ( U.S. Passport, Social Security Card, Proof of Address, Birth Certificate ). 
- Investigations closed by Equifax citing unable to verify identity : XX/XX/XXXX. 
- Consumer resent identity package again by postal mail : XX/XX/XXXX ( same documents, resent due to wrongful closure ). 
- Investigations closed again by Equifax due to automated identity loop : XX/XX/XXXX. 
- Dispute reopened online for both accounts in Equifax Dispute Center : XX/XX/XXXX. 
- Most recent investigation closures citing identity verification failure despite confirmed document delivery : XX/XX/XXXX. 
- Furnishers failed to provide original signed contracts proving ownership of disputed debts : XX/XX/XXXX. 
- Consumer submitted CFPB complaints previously that were terminated due to Equifax internal processing negligence : XX/XX/XXXX. 
- Consumer again submitted identity proof via online upload in bureau portal : XX/XX/XXXX ( Passport, SS Card, Proof of Address ). 
- As of XX/XX/XXXX, XXXX accounts remain under active dispute in Equifax : XXXX. XXXX XXXX Bank XXXX XXXX : {$4500.00}, Opened XX/XX/XXXX, First Delinquency XX/XX/XXXX, Last Activity XX/XX/XXXX, Installment, Unsecured ). 
XXXX XXXX XXXX  ( Opened XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Charge-Off, transferred or sold, reported with incomplete furnishing data ). 

Nature of the problem : Equifax has received valid identity documents from me multiple times but has failed to correctly associate them to my internal consumer credit file, using automated identity obstructions as a mechanism to close FCRA investigations. This is a violation of reasonable compliance procedures under FCRA. 

Desired resolution : I request CFPB compel Equifax to perform : - Human Identity Override Verification, - Manual Consumer File Association Audit, - Reopen all cases previously closed due to bureau processing negligence, - And require furnishers to validate ownership using original signed contracts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I made a complaint to Chime asking for a reimbursement for debit card losses caused by a documented scam. 
I was induced into authorizing debit card transactions through intentional misrepresentation. I was contacted via XXXX and promised a monetary payout in exchange for an initial payment. After the first payment, I was instructed to send additional funds for various fees, with repeated assurances that money would be released immediately. No funds, goods, or services were ever provided. 
I reported the fraud to Chime as soon as I realized what was happening and filed a police report. Despite this, Chime denied my dispute solely on the basis that the transactions were authorized, without considering that authorization was obtained through deception and fraud. 
These transactions constitute fraud by misrepresentation and resulted in significant financial hardship. I am requesting that Chime conduct a supervisory review and reconsider reimbursement under Regulation E and applicable consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX ( XXXX ) credit account or application was opened using my identity on XX/XX/year>, without my knowledge or authorization. I reported this immediately to Synchrony Bank and have submitted a formal fraud dispute directly with them. Please investigate and provide written confirmation once the fraudulent SYNCB/DKS account and/or inquiry has been deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
I am filing this complaint regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appearing on my credit reports with TransUnion, Experian, and Equifax. This account previously included dispute comments, such as consumer disputes this account, which are no longer accurate because I am no longer disputing the account. The continued presence of these comments is misleading and may negatively affect my creditworthiness by causing lenders to assume the dispute is still active, potentially interfering with both automated credit scoring systems and manual underwriting. I am requesting that all three credit bureaus remove all dispute-related comments, codes, or notations associated with this account, update the account to reflect its accurate, non-disputed status, and provide me with updated copies of my credit reports showing the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On multiple occasions in XXXX and XXXX, I requested validation and documentation from Westlake Portfolio Management regarding an alleged auto loan and the negative information they are reporting to the credit bureaus. I sent a written affidavit and notice requesting ( 1 ) a full accounting, ( 2 ) the original signed contract with my wet signature, ( 3 ) verification of the claim, ( 4 ) proof of assignment/ownership, and ( 5 ) all documents supporting their credit reporting

. Westlake did not provide any of the requested information. Despite failing to validate the debt, Westlake continues to report negative and incorrect information to the credit bureaus. This includes reporting inaccurate personal information and maintaining an account that has not been verified as legally owed. Their failure to respond to my written dispute and request for validation violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB require Westlake Portfolio Management to : ( 1 ) provide all legally required documentation and validation, or ( 2 ) remove all unverified and inaccurate information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint because Synchrony Bank ( PayPal Credit SYNCB/PPC ) charged off and reported an alleged debt as a loss, yet failed to issue the required IRS Form 1099-C, while continuing to report the balance as owed on my consumer credit reports.

Synchrony Bank reports this account as charged off / collection / loss across consumer reporting agencies, indicating a cancellation of debt event. However, I have never received a Form 1099-C, nor has Synchrony Ba

nk provided confirmation that such form was issued to the IRS. Failure to Issue Required 1099-C Under 26 U.S.C. 6050P and applicable IRS regulations, when a creditor cancels or discharges indebtedness of {$600.00} or more, it is required to : Issue Form 1099-C to the consumer Report the cancellation to the Internal Revenue Service Synchrony Banks reporting of this account as charged off, profit and loss, or loss to creditor constitutes a cancellation of debt indicator, triggering the 1099-C requirement. 

Inconsistent and Improper Reporting Synchrony Bank is simultaneously : Treating the account as a loss for accounting and tax purposes, and Continuing to report the balance as owed and delinquent on consumer credit reports This dual treatment is inconsistent, misleading, and inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) requirement that information be accurate and not misleading. 

Once a debt is cancelled and reported as a loss, it can not continue to be reported as an active obligation without proper tax reporting and disclosure. 

Violations Identified Synchrony Banks conduct violates : 26 U.S.C. 6050P Failure to issue Form 1099-C 15 U.S.C. 1681e ( b ) Reporting information that is misleading or inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to correct inaccurate information after dispute Harm Caused Inaccurate credit reporting Potential tax reporting exposure without notice Artificial suppression of my credit scores Ongoing consumer harm due to contradictory reportingPlease see attached request for 1099 C letter, mailing receipt and CFPB complaint PDF regarding failure to issue required IRS Form 1099-C and continued inaccurate credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: UT

Complaint narrative:
I use Netspend as the account for my direct deposit, last week my check was on my card as it was supposed to be, yesterday it was not and when I called to find out why I was told that I needed to provide verification documents, I provided said documents and called to confirm that they were received and was told it would take XXXX hours to verify my account and that the money would be on my account after the verification period, aXXXX XXXX XXXX I called to find out why it wasnt there and was told that they didnt receive the documents and that I needed to send them again. This is getting irritating I have a XXXX dollar check that I worked very hard to make and they are holding it XXXX. They could have sent me an email or text message prior to my check being deposited but instead they waited until it was deposited and for me to call to find out why XXXX XXXX received my check. Now its taking forever to get MY MONEY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports maintained by Experian and TransUnion, which have caused me significant stress and financial concern. On my Experian report, there are inaccurate addresses listed, including XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX, neither of which I have ever occupied ; under FCRA Section 611 and FCRA ( 605 ), I am entitled to dispute any information that is incomplete or inaccurate and have these errors fully investigated and corrected. On my TransUnion report, I have identified hard inquiries that I did not authorize, specifically XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> ; per FCRA Section 611, I have the right to dispute inaccurate or unauthorized inquiries, FCRA Section 605 ( a ) limits how long inquiries may remain on my report, FCRA ( 605 ) requires outdated information to be removed, and FCRA ( 604 ( a ) ) mandates that all hard inquiries must have a permissible purpose. These inaccuracies and unauthorized inquiries have not only misrepresented my credit history but have also caused confusion, stress, and potential negative impacts on my ability to obtain credit. Despite my diligence in monitoring my accounts and maintaining accurate financial records, these errors remain on my reports, demonstrating a failure in proper verification and reporting practices by both bureaus. I am requesting that both Experian and TransUnion conduct thorough investigations into these inaccuracies, remove any unverifiable information, and provide me with corrected reports in compliance with federal 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 2025-12-27 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports maintained by Experian and TransUnion, which have caused me significant stress and financial concern. On my Experian report, there are inaccurate addresses listed, including XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX, neither of which I have ever occupied ; under FCRA Section 611 and FCRA ( 605 ), I am entitled to dispute any information that is incomplete or inaccurate and have these errors fully investigated and corrected. On my TransUnion report, I have identified hard inquiries that I did not authorize, specifically XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> ; per FCRA Section 611, I have the right to dispute inaccurate or unauthorized inquiries, FCRA Section 605 ( a ) limits how long inquiries may remain on my report, FCRA ( 605 ) requires outdated information to be removed, and FCRA ( 604 ( a ) ) mandates that all hard inquiries must have a permissible purpose. These inaccuracies and unauthorized inquiries have not only misrepresented my credit history but have also caused confusion, stress, and potential negative impacts on my ability to obtain credit. Despite my diligence in monitoring my accounts and maintaining accurate financial records, these errors remain on my reports, demonstrating a failure in proper verification and reporting practices by both bureaus. I am requesting that both Experian and TransUnion conduct thorough investigations into these inaccuracies, remove any unverifiable information, and provide me with corrected reports in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, XXXX was pulled form my account and sent through XXXX XXXX. This transaction was not authorized I never send XXXX XXXX in that amount and I dont not know the person XXXX XXXX XXXX I cancelled my debit card and contacted XXXX wells Fargo and XXXX. I lost my phone for 24hours and someone used my information to steal. Please help me get my funds back. I do not have a lot of money. My money was refunded but reversed on XX/XX/year>. This is completely and utterly unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 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 did not open or authorize this account, yet it has been added to my credit report with inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
JPMorgan failed to provide provisional credit for a transaction dispute on a checking account within the mandatory XXXX window and instead withheld the funds while charging abusive overdrafts. This failure caused the account to fall into a negative balance. Subsequently, the institution assessed multiple overdraft fees on the same business day, a quantity that exceeds the daily maximum cap explicitly stated in their standard overdraft practice governing documents. Customer service has refused to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I am disputing inaccurate and unauthorized address information on my consumer credit report that is interfering with my ability to dispute accounts accurately. 

An address I have never lived at or received mail at was reported to the credit bureau by multiple furnishers, including a financial institution. This address is being used during reinvestigations and is linked to active accounts on my credit file. I disputed this address through the credit bureaus online system, but I was blocked from completing disputes and instructed to contact furnishers directly. 

On multiple occasions in XX/XX/year>, I attempted to submit online disputes regarding both the incorrect address and related account inaccuracies. The credit bureau refused to process the disputes online and instead required phone calls or additional steps, preventing a complete written record. As a result, my disputes could not proceed through normal reinvestigation channels. 

The continued reporting of an address that is not mine is materially misleading and affects dispute verification, because furnishers are allowed to match accounts using incorrect identifying information. This has resulted in repeated verified outcomes without proper reconciliation of contradictory reporting across credit bureaus. 

I submitted a written dispute requesting deletion of all unauthorized addresses and correction so that only my current mailing address remains on file. Despite this, the inaccurate address continues to appear, and the bureau has not completed a proper reinvestigation. 

This conduct violates the requirement that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy and to conduct reasonable reinvestigations of disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Made an in-store order ; however, couldn't fit thru door, so only kept the 5 drawer dresser, and cancelled the product protection. I called every month for about a year to get this all fixed, and every month they waived the late fees ; or, so I was told on the phone. The dresser was {$350.00} plus tax and delivery, about {$420.00} which I paid in full. They still continued to charge late fees on the protection plan, but I had cancelled it. I have a letter from XXXX stating I don't owe anything, and the balance is XXXX. Yet Synchrony refuses to remove it.

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