vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Dear sir/Madam : I am writing to ask why my Lowes account was closed. I was told that there were 2 STOP payment orders on my Lowes account, XX/XX/year>, and more recently XX/XX/year>, and that was the reason for closing my account. Each of these events were preceded by my paying my account IN FULL via electronic debit. I had scheduled ongoing monthly automatic debits from my bank that apparently were cancelled by Lowes as the account balance was XXXX at the time. Both events were classified as a STOPPED payment. My bank could not or would not tell me who or what did this. Additionally, there was a letter sent to me in XX/XX/year>XXXX  saying ] that my monthly automatic debit had been changed from {$100.00} to {$22.00}. THEN THIS PAYMENT WAS SENT AND THEN REJECTED! I DID NOT ACTIVELY DO ANY OF THIS!!! I suspect that Lowes did it because the account balance was XXXX each time. SO NOW MY ACCOUNT IS BEING CANCELLED BECAUSE OF THIS!!! Are you kidding me??? I have always made payments either by one time debit or automatic debits!!! This is a FLAW in the accounting system of LOWES. I want this error and any reports to any credit reporting agency CORRECTED!!! 
PLEASE contact me as soon as possible to discuss and correct this situation.

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 2025-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
The company thats trying to collect debt, I have no acknowledgment of or any agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-08-23 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This complaint concerns the furnishers of credit information who are knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). After being placed on notice through my disputes to the CRAs, these furnishers have failed to investigate, correct, or delete inaccurate information as required by law. 

The furnishers at issue include but are not limited to : Wells Fargo Bank, N.A., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Violations : Failure to conduct reasonable investigations upon receipt of dispute notices from CRAs ( 1681s-2 ( b ) ( 1 ) ( A ) ).

Failure to review all relevant information provided by CRAs ( 1681s-2 ( b ) ( 1 ) ( B ) ).

Continuing to furnish inaccurate charge-offs and accounts that have been discharged, transferred into trust ownership, or rendered uncollectible ( 1681s-2 ( b ) ( 1 ) ( C ) ( E ) ).

Reporting accounts without lawful basis, including debts transferred into securitized trusts where ownership/standing has been severed.

This conduct creates systematic inaccuracies and demonstrates disregard for both federal law and fiduciary obligations. 

Fiduciary, Charter, and Trust Law Dimensions : Federally chartered banks ( Wells Fargo, XXXXXXXX XXXX XXXX  ) have obligations under their charters and OCC/Federal Reserve oversight to maintain fairness, accuracy, and compliance with law. Continuing to furnish false data undermines their charter purpose and the publics trust. 

Debt buyers and trustees ( XXXX, XXXX ) operate under trust and indenture principles, which impose duties of loyalty and care. Misreporting false data to CRAs violates these duties and constitutes an abuse of trustee capacity. 

Equity principles hold that once a furnisher has actual or constructive knowledge that data is inaccurate, it has a duty to correct the record. Continuing to furnish false derogatories is analogous to maintaining a cloud on title, which equity does not permit.

Harm and Equity : The furnishers conduct has caused irreparable harm to me, including denial of housing, denial of employment, higher credit costs, reputational damage, and the loss of financial opportunities. No monetary remedy can restore the loss of credibility and trust once false data is published.

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 2025-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
I recently purchased my first home, after purchasing it I was bombarded with sales people on all kinds of stuff. I had a company XXXX XXXX reach out & they were very consistent with phone calls and messages. I was considering it but was still in doubts and the specific salesman I dealt with was very persuasive, I was definitely pressured into purchasing my solar panels. I was lied to about receiving a 30 % credit for installation of the solar panels. I was told when purchasing them I would get a little over {$20000.00} within a year for the Arkansas solar program & if I applied that payment to my principal on the account my payments would change. A year later when filing my taxes they said they do give a credit torwards taxes but you dont receive physical money from it so the sales person knew I wouldnt be able to make that payment & did not disclose the facts. I was manipulated into purchasing solar & I highly regret it. They do not produce as described, my electric bill has tripled since having solar installed. I dont really know what to do at this point, Im not happy with my solar, Im not happy with XXXX XXXX XXXX They do 3rd party Lender they use is XXXX, 18 months if you havent hit your targeted amount which is whatever your payment is plus the 30 % rebate for having the solar installed is your payment dramatically changes. I do know I signed the contract but that was based upon false advertising & manipulation on the sales end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the collection account reported under Credit collections XXXXXXXX XXXX XXXX XXXXXXXX. This account is inaccurate and must be removed from my credit report. 

Under 15 U.S. Code 1635, I have the right to rescind certain credit transactions, and I am exercising my right to challenge the validity of this account. 

Per 15 U.S. Code 1692g, I request full validation of this debt, including proof of the original creditor, a complete payment history, and documentation with my signature establishing responsibility. Until validation is provided, continued collection or reporting violates federal law. 

Additionally, under 15 U.S. Code 1681b ( a ) ( 2 ), you may not access or use my consumer report without a permissible purpose. Reporting an unverified account is a violation of this section. 

If this account is not promptly deleted from my credit file, I will escalate the matter to the CFPB, FTC, and other higher regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
I am disputing the collection account reported under Credit collections XXXXXXXX XXXX XXXX XXXX  This account is inaccurate and must be removed from my credit report. 

Under 15 U.S. Code 1635, I have the right to rescind certain credit transactions, and I am exercising my right to challenge the validity of this account.

Per 15 U.S. Code 1692g, I request full validation of this debt, including proof of the original creditor, a complete payment history, and documentation with my signature establishing responsibility. Until validation is provided, continued collection or reporting violates federal law.

Additionally, under 15 U.S. Code 1681b ( a ) ( 2 ), you may not access or use my consumer report without a permissible purpose. Reporting an unverified account is a violation of this section. 

If this account is not promptly deleted from my credit file, I will escalate the matter to the CFPB, FTC, and other higher regulatory authorities.

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 2025-08-23 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: GA

Complaint narrative:
Included in attachments to this dispute, company directly contradicts itself in every aspect of their standings. 
1. I ask for 1099-C as they continually report account as written off. They respond that the debt is not forgiven.

2. I expressed that the account is closed and my credit reflects sick information. In the statement from XXXX, The account is OPEN 3. They refuse to delete the inaccurate information from my credit report maintaining a deliberate violation on FCRA compliance. 

XXXX XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX screenshot of company name * Second image is furtherance of first image continued information * Third image XX/XX/year>XXXX  Experian reporting as of XXXX XXXX  * Excerpt from companies response to CFPB dispute 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 2025-08-23 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: GA

Complaint narrative:
Included in attachments to this dispute, company directly contradicts itself in every aspect of their standings. 
1. I ask for 1099-C as they continually report account as written off. They respond that the debt is not forgiven. 
2. I expressed that the account is closed and my credit reflects sick information. In the statement from XXXX, The account is OPEN 3. They refuse to delete the inaccurate information from my credit report maintaining a deliberate violation on FCRA compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX screenshot of company name * Second image is furtherance of first image continued information * Third image XX/XX/year> XXXX  reporting as of XXXX XXXX XXXX  Excerpt from companies response to CFPB dispute XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OK

Complaint narrative:
I am filing another complaint regarding Equifax 's blatant, willful, and ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), despite multiple prior complaints filed through this CFPB portal resulting in what can only be described as a sham investigation process.

The issue is with a specific tradeline : XXXX XXXXXXXX ( Account XXXX XXXXXXXX ). This debt was discharged in XXXX  XXXX bankruptcy in XX/XX/year>. This is a legal fact that has been verified multiple times. 

My dispute is, and always has been, simple and clear : Equifax is not reporting the post-discharge status of this account accurately. I am NOT, as Equifax incorrectly presumes and tells this Bureau, seeking its deletion. I demand it be reported accurately.

The specific inaccuracies Equifax refuses to correct are : Incorrect Status & Balance : The account is listed as " Closed. {$4000.00} written off. '' This is false and misleading. A discharged debt is not " written off '' ; it is extinguished by federal court order. It must report a {$0.00} balance with the status "
Discharged in Bankruptcy. '' Duplicate & Misleading Reporting : The report lists XXXX XXXX as the creditor but notes it was " sold '' to XXXX A debt buyer can not report a discharged debt as a collectible obligation. This creates a misleading double negative in my report.

Incorrect Payment History : The report shows late payments ( " 30, '' " 60, '' " 90, '' " CO '' ) after the bankruptcy was filed. When a bankruptcy is filed, an automatic stay is imposed. Reporting these late payments is inherently inaccurate. 

THE CORE OF THIS COMPLAINT IS EQUIFAX 'S AND THE CFPB PROCESS 'S FAILURE : Despite FIVE previous successful CFPB complaints that resulted in Equifax being formally notified of this error, they have done nothing. Their " investigations '' are a farce. They have a verified legal document ( the bankruptcy discharge order ) and my clear, repeated instructions.

Each time, Equifax closes the CFPB complaint with a response stating they have " verified '' the account and taken no action, operating under the demonstrably false premise that I am seeking deletion. They are either incapable of reading a dispute or are intentionally mischaracterizing it to avoid their legal obligations.

The CFPB 's own process is failing to protect consumers when a credit reporting agency simply ignores its directives. Sending the same dispute through the same channel for a sixth time is the definition of insanity. The CFPB must now take more severe action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
Equifax TransUnion Experian ( for confirmation ) Re : Formal FCRA Dispute XXXX XXXX  Account XXXX XXXX XX/XX/XXXX, Closed XX/XX/XXXX ) Background : I am formally disputing the inaccurate reporting of my XXXX XXXX XXXX XXXXXXXX XXXX 
Account details are as follows : - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX - Original Balance : {$720.00} - Status : Paid, Closed, Never Late - Payment history : 100 % on-time ( 24 months ) Experian correctly reports this account as " Paid, Closed/Never Late. '' However, other credit bureaus are displaying a derogatory symbol or failing to accurately reflect this positive account history. 

Violations : 1. FCRA 607 ( b ) : Failure to maintain maximum possible accuracy account should reflect 100 % on-time payment history and positive closure.

2. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

3. FCRA 611 : You are required to reinvestigate and correct inconsistent reporting across credit bureaus.

Requested Resolution : 1. Remove all derogatory marks associated with this account on Equifax and TransUnion. 

2. Update account status across all credit bureaus to reflect Experians accurate reporting : " Paid, Closed, Never Late. '' 3. Provide me with written confirmation of the correction within 30 days as required by law. 
Notice : If this account is not corrected, I will escalate the FTC, and the Illinois Attorney Generals Office for enforcement of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-24 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: AZ

Complaint narrative:
Identity Theft Dispute under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally dispute and request the immediate blocking of certain inaccurate and unauthorized information from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C.

1681c-2. 

The following item ( s ) on my credit report are the result of identity theft and were not authorized by me : Creditor Name : XXXX XXXX Account Number ( s ) XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Number ( XXXX ) XXXX Creditor Name : XXXXXXXX XXXX XXXX Account Number ( s ) XXXX I did not authorize this account, nor did I have any knowledge of it until reviewing my credit report. I am a victim of identity theft and am requesting that this item be blocked from appearing on my credit file with your bureau. 
In support of this request, I am enclosing the following documentation as required under FCRA 605B : Pursuant to FCRA 605B, you are required to block the fraudulent information from my credit report within four business days of receipt of this request and supporting documentation.

Please send me a written confirmation once the information has been blocked, or notify me if any additional documentation is needed. 
Thank you for your prompt attention to this serious matter. 
Sincerely, 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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I revived XXXX pieces of physical mail. They both contained welcome letter to Chime. One had a debit card and the other had a credit card with my name on both of them. They have codes to scan and activate which I have not done so and do not intend to activate. I have never provided any information to Chime not have I ever wanted to open an account with them however an account has been opened on my behalf. I have checked for identity theft ( the reason Chime claimed the cards were opened ) but have not been able to find any reliable information suggesting that my identity was stolen. It looks like Chime has unethically taken my information and opened XXXX cards on my behalf. I can provide any more information needed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
XX/XX/XXXX - Sent 2 certified formal dispute letters regarding the alleged student loan debt MOHELA agency claims I owe and a demand for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The final items were requested ( 1 ) Complete Chain of Custody and Legal Assignment, ( 2 ) Original Signed Master Promissory Note ( MPN ) with verifiable wet signature or authenticated digital signature logs, and ( 3 ) Detailed Itemized Statement and Balance Calculation. The dispute letter was documented as a final notice stating, " Until and unless your agency provides proper and complete validation, you must immediately cease all collection activities and suspend reporting of this account to any consumer reporting agency. 
Unless and until all requested documentation is provided, I do not acknowledge any liability or obligation regarding this alleged debt. You must : Cease all collection activity Remove or suspend any credit reporting Refrain from further contact, except to comply with this request Any attempt to continue reporting or collecting without providing the above may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. I also reserve the right to pursue legal action for any violation of the FDCPA or FCRA '' Received a letter in the mail dated XX/XX/XXXX stating my request had been received and is expected to be processed within the next 90 business days ( 30 days was given in the dispute letter request ). Then received a letter dated XX/XX/XXXXXXXX  titled " Loan Update '' even though my request clearly noted, " refrain from further contact, except to comply with this request ''. There has been no contact since.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-24 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:
Due to a lack of funds in my account since XX/XX/XXXX XXXX  I have been charged 10 overdraft fees. I paused my card to prevent any additional damage and attempted to mitigate any charges. However, instead of stopping any payments, Wells Fargo continued to charge me while my account was negative. Effectively putting me in a deeper hole than I was already in. I requested they be fair about this and work with me on these overdrafts because as of right now I am still {$300.00} negative. Coincidentally my account is now basically over drafted because of these fees. I called on XX/XX/XXXXXXXX  and attempted to resolve this, to which I was told no and they would file a formal complaint on my behalf. I am unsure how to bring my account current without them continuing to pull money out because any money going into that account just gets charged as overdrafts and continues to put me more negative. This practice feels highly immoral and there in lies my complaint.

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