vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX XX/XX/year> while I was traveling in XXXX XXXX my cellphone was stolen. Hacker got into my bank account making illegal cash advances of around {$7000.00} dollars. The hacker was able to withdraw that amount. As soon as I noticed the illegal transactions I reported it to Wells Fargo instantly freezing my accounts. The hacker successfully completed the cash advances in my credit card. Wells Fargo has done nothing to resolve this problem. Once I reported it they should have taken responsibility to clear the amount taken from my account but nothing has been done. Im stuck with the amount stolen and with monthly high interests.

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 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 2025-10-14 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-14 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: OH

Complaint narrative:
I dispute the accuracy and completeness of the above tradeline. Your file shows Closed/ Transferred to another lender ; Balance {$0.00} ; Date Reported XX/XX/XXXX. Experian simultaneously reports Open / Current ; Balance {$37000.00} ; Date Reported XX/XX/XXXX. Both can not be true. I also dispute every month you have ever coded XXXX in the Payment History Profile ( PHP ) for this tradeline. 
Independent Verification Required ( not parroted codes ) : Produce running monthly statements and a complete account ledger for each allegedly late month ( showing contractual due date date received date posted ). Metro 2 codes and generic verified notations are not proof. 
Law : FCRA 607 ( b ) ; 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) ) ; Reg V 12 C.F.R. 1022.42 ; XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ( independent reinvestigation required ). 
Metro 2 fields breached : Account Status, Current Balance, Special Comment ( Transferred ), Payment History Profile, Date of Account Information, Portfolio/Product Type. 
Demand : Correct to fully verified facts or delete all disputed data/delete the entire tradeline under 1681i ( a ) ( 5 ) ( A ). Failure triggers CFPB/FTC/State AG complaints and litigation under 15 U.S.C. 616617.

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 2025-10-14 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: CT

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Negative Reporting by Experian Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request immediate assistance in resolving an issue involving inaccurate and unjust negative reporting on my credit report by Experian, which stems from an error made by XXXX XXXX XXXX XXXX XXXX XXXX the issuer of the XXXX  credit card ). 

Summary of the Issue : On XX/XX/year>, I received a notification from Experian that a 60-day late payment of {$5.00} had been reported on my XXXX credit card account. I immediately contacted XXXX to understand the issue. A XXXX representative reviewed my account and acknowledged that this was an error caused by a processing issue during a payment system update on their end. I was assured that the matter would be resolved without issue and that a dispute and request to correct the error had been submitted to Experian. 

On XX/XX/year>, I received a formal letter from XXXX confirming my dispute and outlining the steps they had taken to correct the mistake by notifying the national credit bureaus. I have attached this letter to support my claim. 

Despite this, Experian has refused to remove the negative mark. I have : Submitted multiple disputes to Experian, as advised by both Experian and XXXX. 

Attached the letter from XXXX as supporting documentation. 

Spoken to Experian representatives, one of whom confirmed that the letter should satisfy their requirements. 

Still, Experian continues to state that the language in the letter is not clear enough, and they have closed my disputes without correction. 

This situation has now extended into XXXX, and I continue to suffer harm to my credit profile for an error that is clearly not my fault, as confirmed by the creditor involved ( XXXX ). Experians refusal to correct this despite receiving proper documentation is unacceptable and damaging. 

Request : I respectfully request the CFPB to conduct a formal investigation into Experians handling of this matter and to compel them to remove the inaccurate 60-day late payment from my credit report. I have maintained excellent credit history, always pay my bills on time, and take my financial responsibilities seriously. 

I believe this negative mark is not only unjustified but is also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute. 

Thank you for your time and assistance. Please find attached the supporting letter from XXXX. 

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 2025-10-14 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: TX

Complaint narrative:
Kindly take the necessary steps to remove the disputed accounts within the timeline set by 15 U.S. Code 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
I have been told that my Google Pay account has been suspended because they are not able to verify a user being added. I've explained to Google very clearly in writing that I'm the only account holder, I'm also the original account holder and there should not be anyone else added to my Google Pay account. I've send in my identification and bank records to show that as per their request. It seems that they are not understanding what the issue is. They want me to confirm the details of the person who should not be on this account and provide documentation for this person! There seems to be a communication gap. My attempts to reach a live person have been ignored and only scripted emails are being sent back to me. 

I received an email on XX/XX/XXXX stating that payments profile ID XXXX will be suspended unless I provide information on the person who should not be on my account as an authorized user. The simplest and easiest way is to cancel that request however I'm being asked to not only send in my information, which I did, but also the person who shouldn't e on my account. 

Due to this, my Google Pay account is now currently locked up. I'm not able to make payments. Also when I try to purchase more space to my Google account, it's being denied because my Google Pay is suspended. Due to this I'll no longer be able to use my XXXX account soon which will have a major impact on me. 

My ticket/incident # with Google is [ XXXX ]. I was also given another ticket/inquiry # Support Inquiry [ XXXX ]. My email address with Google is : XXXX. My phone # is 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX - XXXX - {$250.00} THIS IS A PAID ACCOUNT XXXX XXXX - XXXX {$460.00} this is also paid off THESE 2 ACCOUNTS ARE PAID OFF!!!!! AND THEY ARE STILL REPORTING THEM AD UNPAID AND ALSO HAVE THEM AS A COLLECTION/CHARGE OFF WHICH IS INCORRECT. I HAVE TRIED TO FIX THIS NUMEROUS TIMES AND I HAVE BEEN DENIED THE CORRECTION BY THE CREDIT BUREAUS. PLEASE HELP ME CORRECT THIS IN MY CREDIT REPORT

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX - XXXX - {$250.00} THIS IS A PAID ACCOUNT XXXX XXXX - XXXX {$460.00} this is also paid off THESE 2 ACCOUNTS ARE PAID OFF!!!!! AND THEY ARE STILL REPORTING THEM AD UNPAID AND ALSO HAVE THEM AS A COLLECTION/CHARGE OFF WHICH IS INCORRECT. I HAVE TRIED TO FIX THIS NUMEROUS TIMES AND I HAVE BEEN DENIED THE CORRECTION BY THE CREDIT BUREAUS. PLEASE HELP ME CORRECT THIS IN MY CREDIT REPORT

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 2025-10-14 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: NJ

Complaint narrative:
Dear TransUnion, I am writing to formally dispute the reporting of late payments on my XXXX XXXX  credit card account ending in XXXX, which appears on my credit file with your bureau. 
For over a year, I have made multiple written requests to XXXX XXXXXXXX XXXX XXXX. to investigate and verify the accuracy of the late payment information they are furnishing to your bureau. XXXX has failed to provide any documentation or proof that the reported delinquencies are accurate, complete, or verifiable under the law. 
Despite my documented attempts through direct correspondence and a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Chases responses have not included any substantiating evidence. Their continued reporting of unverifiable information constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( b ) : The duty of furnishers to conduct a reasonable investigation upon notice of dispute, and to report only accurate and verifiable information.

15 U.S.C. 1681i : The duty of consumer reporting agencies to reinvestigate disputed information and delete any item that can not be verified.

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 2025-10-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-14 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: GA

Complaint narrative:
Summary of Update This submission serves as a formal supplemental update to the above-referenced complaints, all filed on XX/XX/XXXX, regarding the continued reporting of unverified bankruptcy information and the improper use of consumer data by the three nationwide credit reporting agencies. 

On XX/XX/XXXX, I mailed certified dispute letters to each bureau, as documented in the exhibits already provided. 
Under the CFPBs Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), these disputes are subject to a 60-day right-to-review and correction period. 
That statutory timeframe expires on XX/XX/XXXX. 

To date, none of the three bureaus has provided written verification from the originating court or removed the disputed bankruptcy record, despite confirmation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that courts do not furnish consumer data. 

Expanded Findings Further investigation shows that the unverified public-record data originates through third-party data aggregatorsnot the courtsincluding : XXXX XXXX XXXX and XXXX XXXX ( both opted out XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX XXXX no file found ). 

In addition, XXXX adverse actions occurred as a result of this faulty data chain : XXXX XXXX XXXX ( XX/XX/XXXX ) : Declined purchases citing a recent bankruptcy generated by an AI-based model with no human reviewviolating ECOA XXXX XXXX XXXX ( b ). 

XXXX XXXX  ( Credit Card Incident ) : The Card Was shipped to the wrong address, resulting in erroneous reporting. I request correction to never activated by consumer, deletion of related inquiries, and production of address-source and decision logs. 

Legal Basis FCRA 607 ( b ) : Failure to assure maximum possible accuracy FCRA 611 ( a ) : Failure to complete reinvestigation within the required period FCRA 623 ( a ) ( 2 ) : Continued reporting of unverifiable data ECOA Reg B 1002.9 ( b ) : Automated adverse actions without human review CFPA 1036 : Unfair or deceptive acts and practices ( UDAAP )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Today XX/XX/year> I noticed an email stating my PayPal Credit Card was shipped. I did not authorize this or request it. 

I called Synchrony Bank who manages PayPal account and was informed I could not opt out because I did not reply to their email sent approx XX/XX/year>. I never received such email nor received anything in the USPS mail. They said my PayPal account was converted to a PayPal Credit Card. The current balance of my PayPal account was transferred to this unauthorized PayPal MasterCard Credit Card that I never requested. 

It is all quite confusing and feels like a real scam taking place. BTW, I am a senior citizen age XXXX. 

I had to ask for supervisor with Synchrony PayPal and after pressing and saying I would contact CT Attorney General and Consumer Protection, the supervisor person at Synchrony told me that I could cancel the credit card and my current balance would revert back to my standard PayPal with all the previous terms and conditions. 

I am very concerned that such a transaction of unauthorized credit card and now closing it would somehow impact my credit score. I am still confused what to expect going forward and feel that this type of unauthorized financial credit card transaction should be illegal. 

Sincerely

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for an American Express " Bread Cashback '' credit card from Comenity Capital Bank, last XXXX, at which time I requested MAILED monthly statements. 
I used the card for a short period in XXXX and XX/XX/year> ( possibly XXXX ). 

I applied to get my monthly statements via XXXX, and received only the XX/XX/year> statement, which I paid in full. 
I did not receive an XXXX statement, or any further statement until XXXX XX/XX/year>, when a statement arrived claiming ; XXXX My account was suspended for lack of payment ; XXXX My card had been charged fees of {$160.00} in XXXX. 
XXXX My account had been charged interest of {$12.00} I immediately called the BreadFinancial phone line [ XXXX ] and was told charges were made on this card -- - which I had not used after XXXX -- - XXXX at least for {$760.00} in XXXX along with other charges. 
When I told the customer rep that I suspected fraud, she transferred me to " XXXX '', who told be that his records showed all my statements had been mailed to my address. He further volunteered that he knew of other cases of fraud and intercepted mailings via the the XXXX XXXX. I requested he mail me the months of missing statement so I could dispute the charges, fees, and penalties. HE REFUSED. 
He stated I had to log in to my BreadFinancial online account, which had been blocked. 
He tried various ways to let me log in to my account. None worked. 
After XXXX minutes of " customer service '', XXXX stated he'd spent enough time with me and hung up. 
I need your help to get Bread Financial to send me the statements and investigate fraudulent usage of their credit card -- - which those statements should confirm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: PR

Complaint narrative:
After thoroughly reviewing my credit reports from TransUnion, Experian, and Equifax, I identified several inaccurate, misleading, and unverifiable accounts and inquiries that continue to appear despite previous disputes. These errors are not only damaging to my creditworthiness but also in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Creditors and furnishers such as XXXXXXXX XXXX XXXX XXXX XXXX ), and XXXXXXXX XXXX  have reported inconsistent, unverifiable, and re-aged accounts that lack proper supporting documentation. The accounts listed under XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX all contain conflicting information such as active balances on closed accounts, contradictory charge-off and closed statuses, and continuing updates after closureall of which constitute inaccurate reporting. 

Furthermore, XXXX has failed to validate ownership or provide any documentation proving its right to collect on the alleged debt. These deficiencies violate FCRA 607 ( b ) ( accuracy of information ), FCRA 611 ( a ) ( consumers right to dispute and reinvestigation ), and FDCPA 809 ( b ) ( debt validation requirements ). 

Additionally, there are unauthorized inquiries from XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX none of which were initiated, authorized, or consented to by me. These inquiries were made without permissible purpose in violation of FCRA 604 ( a ) ( 3 ).

The continued reporting of these inaccuracies and unverifiable items demonstrates a failure by the bureaus and furnishers to maintain the maximum possible accuracy of consumer data, as required under federal law. These errors have caused undue harm to my credit profile, misrepresented my payment behavior, and restricted my access to fair credit opportunities.

Company response to consumer: Closed with explanation