vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
To Whom It May Concern : Bethpage XXXX Account XXXX I disputed the accuracy of a charge-off account being reported on my credit file from Bethpage XXXX XXXX I provided sufficient identifying information and clearly outlined the nature of my dispute. I ask the company to verify the debt was actually mine. 
The company states that the account was verified as accurate. However, they have failed to provide documented evidence that supports ownership and the reported balance. I recicieved a letter from Bethpage stating that when the account was closed in XX/XX/2024 the balance was {$0.00} and the account was paid in full but on my XXXX XXXX XXXX credit reports, there is a balance of {$290.00} This constitutes a violation of the Fair Credit Reporting Act : Violations of the FCRA 1. 15 U.S.C. 1681i ( a ) You must conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information. Simply parroting the furnishers prior response does not meet the standard of a reasonable reinvestigation as required by law. 
2. 15 U.S.C. 1681e ( b ) You must follow reasonable procedures to assure maximum possible accuracy. Continuing to report an inaccurate balance is a direct violation.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Any disputed information that can not be verified must be deleted from my credit 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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On or around XXXX XXXX XXXX, I purchased a vehicle from XXXXXXXX XXXX XXXXXXXX located in XXXX XXXX XXXX, XXXX, NJ XXXX, and financed it through Wells Fargo Auto. I paid a {$5000.00} down payment and began making monthly payments of approximately {$1000.00}.

Since the purchase, the dealership has failed to submit the title and registration paperwork to the DMV. Despite repeated calls to both the dealership and Wells Fargo, the title has not been issued, and the vehicle remains unregistered, making it illegal for me to drive.

I am currently on a work assignment out of state and need this vehicle for travel, yet it has been sitting unused for months. The dealership has repeatedly stated they sent the paperwork, but the DMV confirms nothing has been received. Wells Fargo has continued to demand payment without providing proof that the title is secured. 

I sent a formal certified letter to Wells Fargo on XX/XX/year>, demanding loan cancellation due to the dealerships failure to transfer ownership and provide legal possession of the vehicle. I have received no resolution. 

At this point, I am requesting Wells Fargo take immediate action to cancel the loan and assist in returning the vehicle, as I have been deprived of the ability to use it and have suffered financial and practical harm from paying for a car I can not legally operate.

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 2025-08-10 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint to formally dispute an auto loan being reported under my name by JPMCB Auto. I do not recognize this account, and I have never applied for, co-signed, or authorized any such loan with this company.

This account does not belong to me, and I believe it is the result of an error or potential identity theft. I am requesting that this matter be fully investigated. If the lender can not provide verifiable documentation with my signature proving that I am responsible for this account, I request that it be removed from my credit report immediately.

I have never conducted business with JPMCB Auto, and the reporting of this false account is causing harm to my credit profile and reputation.

Please confirm receipt of this complaint and update me with the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This debt does not belong to me and may be the result of an error or identity theft. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Cease all collection activities until you provide complete validation of this debt.

Provide all supporting documentation, including any signed contract or agreement bearing my signature that proves I am legally responsible for this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Subject : Urgent Request for Refund and Fraud Reporting Dear XXXX XXXX, I am writing to formally request a refund of {$60.00} for an item I purchased from your company on XX/XX/XXXX. I paid for this purchase via CashApp, and the transaction is associated with the tracking number XXXX. However, the tracking status indicates that the item was " delivered, '' but I can assure you that it never arrived at my address. 
This is not the first time I have experienced issues an issue from your company, which I now suspect to be fraudulent. I have experienced this same type of situation previously with another company, and the tracking number provided was also inaccurate. 
In addition to the delivery issue, Ive also encountered attempts to set up unauthorized automatic deductions from my CashApp account, in the amount of {$39.00} on a regular basis. Upon noticing this, I contacted CashApp immediately, and they refunded the unauthorized transaction. I have since blocked any further transactions from your company. 
Given the ongoing issues with both the tracking number and the automatic deductions, I believe this situation is a clear case of fraud. I am requesting an immediate refund of {$60.00} for the undelivered item. I also intend to escalate this issue further by reporting it to the consumer protection agencies such as XXXX XXXX Department, the Federal Trade Commission and the XXXX XXXX XXXX 
I have already contacted CashApp customer support, who advised me to reach out directly to you. If necessary, I am more than willing to provide additional information or visit my local Post Office to further investigate the tracking number you provided. I have attached documentation for your review. PLEASE NOTE THERE WAS ANOTHER ATTEMPT JUST YESTERDAY TO WITHDRAW MONEY FROM MY CASHAPP ACCOUNT again Please respond to me as soon as possible with a resolution to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
XXXX XXXX XXXX : Account # XXXX Formal Debt Validation & Investigation Request To Whom It May Concern, I am disputing the accuracy of the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Pursuant to FDCPA 809 ( 15 USC 1692g ) and FCRA 623 ( a ), you are required to provide : Proof of Legal Right to Collect Full chain of assignment from Achieve Personal Loans to XXXX XXXX, including contracts granting you authority to collect and report this debt. 


Itemized Balance Breakdown An accounting showing how the original balance of {$9600.00} became {$9800.00} written off, including all interest, fees, and other charges. 


Validation of FDCPA Compliance Proof that you sent the required written notice of debt validation within five days of initial contact, as mandated by law.

Date of First Delinquency Verification that the DOFD reported to credit bureaus matches that of the original creditor and has not been altered ( re-aging ). 
Additionally, I am requesting : A complete copy of your investigation into this dispute. 


Copies of all documents, records, and communications you have in your possession, or relied upon, regarding this account. 
Until these items are provided, you must immediately cease all collection activity and suspend all credit reporting on this account. Reporting or attempting to collect without full validation and accurate reporting is a violation of federal law and subject to civil liability.If you can not fully validate this debt as required, you must delete all related tradelines from any consumer reporting agency to which you have reported.This is not a refusal to pay ; it is a demand for proof. You have 30 days from receipt of this letter to comply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
XXXX XXXX XXXX : Account # XXXX Formal Debt Validation & Investigation Request To Whom It May Concern, I am disputing the accuracy of the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Pursuant to FDCPA 809 ( 15 USC 1692g ) and FCRA 623 ( a ), you are required to provide : Proof of Legal Right to Collect Full chain of assignment from Achieve Personal Loans to XXXX XXXX, including contracts granting you authority to collect and report this debt. 


Itemized Balance Breakdown An accounting showing how the original balance of {$9600.00} became {$9800.00} written off, including all interest, fees, and other charges. 


Validation of FDCPA Compliance Proof that you sent the required written notice of debt validation within five days of initial contact, as mandated by law.

Date of First Delinquency Verification that the DOFD reported to credit bureaus matches that of the original creditor and has not been altered ( re-aging ). 
Additionally, I am requesting : A complete copy of your investigation into this dispute. 


Copies of all documents, records, and communications you have in your possession, or relied upon, regarding this account. 
Until these items are provided, you must immediately cease all collection activity and suspend all credit reporting on this account. Reporting or attempting to collect without full validation and accurate reporting is a violation of federal law and subject to civil liability.If you can not fully validate this debt as required, you must delete all related tradelines from any consumer reporting agency to which you have reported.This is not a refusal to pay ; it is a demand for proof. You have 30 days from receipt of this letter to comply. 
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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
VI. ADDITIONAL DISPUTE DISTRESS LAWSUIT & FAILURE TO INVESTIGATE Summary : I have an active distress lawsuit in the U.S. District Court, Northern District of Georgia, due to the continued refusal of Equifax, XXXX, and XXXX  to : Conduct a reasonable investigation into each dispute filed, as required by FCRA 1681i ( a ). 

Provide tangible evidence or documentation outlining the specific steps taken when disputed items were allegedly validated. 

Correctly update and maintain my credit score in violation of FCRA 1681e ( b ) and CFPB guidelines.

Provide me with an updated credit report after reinvestigation, as required under FCRA 1681i ( a ) ( 6 ).

Consumer Harm & Endangerment : Their repeated refusal to investigate and correct my reports caused : Housing denial : I was turned down for safe and stable housing.

Credit denial : I was refused new credit cards and financial products.

Ongoing endangerment : Lack of safe housing options placed me in potentially unsafe environments.

Financial injury : Higher interest rates and loss of credit opportunities.

Emotional distress : Severe XXXX, sleeplessness, and impact on personal well-being.

Legal Violations : FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation. 

FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681g ( a ) : Failure to provide all information in the consumers file upon request.

FCRA 1681h ( a ) : Failure to disclose in plain language the methods used to investigate disputed items.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide the consumer with a description of the procedure used to determine the accuracy and completeness of disputed information.

FCRA 1681n & 1681o : Liability for willful and negligent noncompliance, including actual, statutory, and punitive damages.

15 U.S.C. 6802 ( GLBA ) : Mishandling and unauthorized sharing of my personal nonpublic information.

I request that the CFPB : Compel Equifax, XXXX, and XXXX  to produce detailed records of each investigative step taken for every disputed account. 

Require them to update my credit scores and issue a full updated credit report to me. 

Investigate their failure to comply with consumer protection laws and impose civil penalties for each violation. 

Consider my housing denials and ongoing endangerment in the enforcement and penalty assessment process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: VA

Complaint narrative:
Dispute was filed to Experian on XX/XX/25 and debt validation was updated as verified on XX/XX/25 without providing me with the information that I requested : XXXX. Proof that you have legal ownership of the debt XXXX. A copy of the original signed agreement with the original creditor XXXX. Complete payment history, and a breakdown of the current balance XXXX. Verification that you have the right to report this collection to credit bureaus Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-08-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I got a offer from XXXX XXXX. I applied and was denied. I got the letter stating why. They said-serious delinquency, time since deliquency to recent. Length of time account have been established. Balance from loan amount to loan balance to high. 
My credit points is approximately XXXX. All of this information is false!!

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 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: NC

Complaint narrative:
I submitted a chargeback dispute. I reached out to customer service when more information was requested as I did not request a cancelation for the transaction I was disputing, so there was no way for me to answer the questions I was being asked. I reached out to the agent and specifically stated that I reached out to the merchant to change the dates for my reservation and instead the merchant cancelled my reservation. At no time did I request a cancelation of my reservation. The screenshots I provided prove this as well along with the documentation. Your agent instead supplied to the chargeback team that I requested the cancelation and did not supply the correct information. I found this out when I received a chargeback denial stating " The transaction ( s ) you attempted to dispute are related to a service that's non-refundable when cancelled by the customer, as per the merchant 's XXXX XXXX XXXX ". Which is incorrect since I never requested a cancelation. I also never provided or stated such information. The proof is in the chat thread as to what I stated and how the agents repeatedly ignored my request for a supervisor in the chargeback department or someone in complaint department, even though they provided inaccurate information which is why my chargeback request was erroneous denied and needs to be reopened and processed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I tried to use this card online with XXXX XXXX declined on XX/XX/scrub>XXXX  tried to use cards in XXXX, XXXX, XXXX and XXXX .. none of these stores accepted amer prepaid gift cards. these transactions were on XXXX the stores didn't even try to cards because they don't accept gift cards... I have 2 {$500.00} gift cards {$1000.00} and noone will accepted them. I even called the number on the back of the prepaid gift card from Amerexpress and they just said keep trying at some other stores XXXX they couldn't tell me where XXXX and I could hardly understand the customer service person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-11 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I wanted to know why it's only an Interest only loan and not a principal loan as well.

Company response to consumer: Closed with explanation