vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: CA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because multiple furnishers and credit reporting agencies ( XXXX, Equifax, and TransUnion ) are reporting inaccurate, incomplete, re-aged, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. Despite prior disputes, the information has not been corrected as required under the law. 


Details of the Issue : I have multiple accounts reporting inaccurate or unverifiable information, including : XXXX XXXX ( XXXX charge-offs inaccurately updated every month ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts contain the following violations : 1. Inaccurate Reporting ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) The bureaus are reporting information that is false, conflicting, incomplete, or contradictory to the original lenders statements.

2. Failure to Conduct Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) I previously disputed several of these accounts, yet the bureaus verified them without providing supporting documentation or correcting the inaccuracies.

3. Illegal Re-Aging of Debt ( FCRA 605 ( c ) ) Some accounts are being re-reported every month as new charge-offs, which is prohibited.

4. Reporting Information Without Proper Verification ( FCRA 623 ( a ) ( 1 ) ( A ) ) Furnishers continue to report information they can not ( or have not ) verified.

5. Failure of Furnishers to Review Disputes ( FCRA 623 ( b ) ) Furnishers are not completing a legally required reinvestigation.

What I Am Requesting : I am requesting that the CFPB : 1. Require the bureaus to conduct a lawful investigation of each disputed account.

2. Require the furnishers to provide actual documentation supporting reported data.

3. Require correction or deletion of any item that can not be verified with documentation, per FCRA 611 ( a ) ( 5 ).

4. Investigate the furnishers for violations of FCRA 623 obligations.

5. Order full 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/XXXX I transferred funds ( {$3000.00} including fees ) from my XXXX XXXX account to Wise so that they can transfer funds to XXXX XXXX XXXX XXXX XXXX XXXX the intermediary bank for Intercam ( Now, XXXXXXXX XXXX ). I was paying my mortgage in XXXX, the same way I have been since XX/XX/year>. 
XXXX notified me on XX/XX/year>, that they never received the funds from XXXX XXXX XXXX XXXX XXXX XXXX ( please see attached ). I sent an additional payment from XXXX XXXX directly to XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, which they received successfully. 

I contacted Wise and they informed me that the funds were successfully transferred to XXXX XXXX XXXX XXXX XXXX XXXX howeverXXXX XXXX XXXX XXXX XXXX XXXX XXXX told XXXX that they did not receive ( please see attached ) Then, I called XXXX XXXX to request a recall on the payment made on XX/XX/XXXX for {$3000.00}. XXXX XXXX deposited the funds back into my checking account. 

Then, Wise informed me that I have a negative balance and need to re-deposit funds in order to keep my account active. They said that they would recall the funds from XXXX XXXX XXXX XXXX XXXX XXXX on their end to get my money returned. I agreed and sent {$3000.00} including fees back to my Wise account. I waited for the return of my funds but never arrived. 

I followed up with Wise and they sent me an email stating that the recall was unsuccessful and I would not get my money back. ( See attached ) I contacted XXXX and Wise numerous times for answers. No one knows where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
After I paid my balance in full on XX/XX/year> for {$1000.00}, the creditor charge me an interest charge of {$2.00} on XX/XX/year>. Since I was not expecting any more charges a payment was not made and I was charge a late fee payment on XX/XX/year> for {$37.00}. On XX/XX/year> another interest charge for {$2.00} was made to the account and on XX/XX/year> a late fee for {$41.00} was added. If I had not called to explain the charges, the creditor will have added another round of interest charge and late fees for XXXX. I paid the balance and cancelled the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I opened acct in accordance to a {$320.00} bonus offer for opening an acct and setting up first direct deposit within XXXX days on XX/XX/year>. I learned today XX/XX/year> that my account was closed XX/XX/XXXX without notice for inactivity. I notified social security of my change in direct deposit on XXXX XXXX. Social security confirmed the change and notified mt the direct deposit would change and the first deposit would be made XX/XX/XXXX. At XXXX time wad i informed my acct would be closed prior to the XXXX  day window.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I previously submitted a written dispute to YAMAHA MOTOR FINANCE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), YAMAHA MOTOR FINANCE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since YAMAHA MOTOR FINANCE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure YAMAHA MOTOR FINANCE s immediate compliance with FCRA requirements. YAMAHA MOTOR FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX # XXXX XXXX NY XXXX and I have personally typed this complaint to bring to your attention unauthorized negative accounts on my credit report. I will make sure they are included below. These have kept my score low and as a result I am unable to grow and improve my life as a soon to be mom because of credit denials in order to take care of my family. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of either. I have tried my best to resolve this with the credit agencies ( TRANSUNION, EXPERIAN ) but they refuse to help. I need these investigated and removed

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am an XXXX retiree living on Social Security with a XXXX XXXX income of approximately {$2200.00}. Due to increased out-of-pocket medical expenses, my available monthly cash flow has decreased significantly, making it difficult to sustain my current minimum payment obligations while covering essential living expenses. 

DATES AND ACTIONS TAKEN : On XX/XX/year> and again on XX/XX/year>, I contacted Bank of America to request enrollment in a short-term hardship or payment assistance program on my credit card account ending in XXXX. I explained that I can sustainably pay $ XXXX per month and requested a temporary reduced payment plan or interest rate reduction to keep my account open and reported current while I manage necessary medical costs on a fixed income. 



On both calls, I was denied. The Bank of America XXXX asked only XXXX questions : " What is your monthly income? '' and " What is your rent? '' Based solely on these XXXX data points, their automated system immediately denied my request for assistance. The agents did not ask XXXX their system did not considermy actual essential expenses, including : Utilities ( gas, electric, water ) Food and groceries Out-of-pocket medical costs ( the primary reason for my hardship ) Transportation Other debt obligations When I attempted to provide my complete monthly budget to demonstrate my actual financial situation, I was told the system does not allow for a full budget review. I requested to speak with a supervisor who could conduct a manual review. I was denied the opportunity to speak with a supervisor or anyone other than the agent I was speaking with.This incomplete assessment process is fundamentally flawed and does not comply with reasonable underwriting or hardship evaluation standards. By refusing to consider my actual essential expensesparticularly the new medical costs that are the direct cause of my hardshipBank of America is : Denying a reasonable short-term accommodation to a vulnerable customer on a fixed income who is proactively trying to avoid delinquency ; Using an automated system that produces inaccurate conclusions about my ability to pay ; Refusing to allow human review or override of an obviously deficient process ; Forcing me toward unnecessary delinquency, late fees, interest charges, and negative credit reporting despite my good-faith effort to work out a sustainable payment arrangement. 
I am not asking the bank to forgive my debt. I am asking for a temporary accommodation that allows me to meet my obligations at a reduced level while managing a temporary increase in medical expenses. Bank of America 's refusal to conduct a reasonable, complete financial assessment is arbitrary and harmful.

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 2025-11-20 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:
I am submitting this complaint because multiple furnishers and credit reporting agencies ( XXXX, Equifax, and TransUnion ) are reporting inaccurate, incomplete, re-aged, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and applicable federal laws. Despite prior disputes, the information has not been corrected as required under the law. 


Details of the Issue : I have multiple accounts reporting inaccurate or unverifiable information, including : XXXX XXXX ( XXXX charge-offs inaccurately updated every month ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts contain the following violations : 1. Inaccurate Reporting ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) The bureaus are reporting information that is false, conflicting, incomplete, or contradictory to the original lenders statements.

2. Failure to Conduct Reasonable Investigation ( FCRA 611, 15 U.S.C. 1681i ) I previously disputed several of these accounts, yet the bureaus verified them without providing supporting documentation or correcting the inaccuracies.

3. Illegal Re-Aging of Debt ( FCRA 605 ( c ) ) Some accounts are being re-reported every month as new charge-offs, which is prohibited.

4. Reporting Information Without Proper Verification ( FCRA 623 ( a ) ( 1 ) ( A ) ) Furnishers continue to report information they can not ( or have not ) verified.

5. Failure of Furnishers to Review Disputes ( FCRA 623 ( b ) ) Furnishers are not completing a legally required reinvestigation.

What I Am Requesting : I am requesting that the CFPB : 1. Require the bureaus to conduct a lawful investigation of each disputed account.

2. Require the furnishers to provide actual documentation supporting reported data.

3. Require correction or deletion of any item that can not be verified with documentation, per FCRA 611 ( a ) ( 5 ).

4. Investigate the furnishers for violations of FCRA 623 obligations.

5. Order full compliance with federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-11-20 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I'm writing to file a formal complaint regarding multiple inaccurate and fraudulent accounts that are being reported on my credit reports. I am a victim of identity theft and have already submitted an identity theft report through the FTC. Despite this, the accounts listed below are still being reported and are severely damaging my credit and overall financial standing. 
The accounts in question are from XXXX XXXX XXXX original creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX. Each of these accounts is being reported across one or more credit bureaus with conflicting, inconsistent, or flat-out false information. Some of the data reported is not only inaccurate but also appears to violate the Fair Credit Reporting Act and XXXX XXXX compliance standards. 
For example, the XXXX XXXXT account is reported differently on TransUnion, Experian, and Equifax, with various conflicting commentssome indicating the account is disputed, others not. XXXX XXXX XXXX shows inconsistencies in the reported date of last activity, and the XXXX XXXX XXXX account shows it as both an open account and a collection account, depending on the bureau. The dates for when the accounts were last active are also inconsistent and suggest re-aging of the debt, which is unlawful. 
These discrepancies are not only confusing but theyre making it extremely difficult for me to move forward with repairing my credit. Even after notifying the credit bureaus and furnishers of my identity theft and submitting proper documentation, these accounts remain on my reports. None of the furnishers have provided any valid certification of the debts or proof that I owe them. In some cases, they have continued reporting collection statuses even though the accounts are clearly fraudulent. 
Im frustrated and overwhelmed by this process. Ive done everything I was supposed to do to alert the proper authorities and bureaus about the identity theft, but I feel like Im not being taken seriously. Im asking for your help in having these accounts removed from all three of my credit reports as they are fraudulent, reported incorrectly, and are in clear violation of federal law.

Please help me resolve this issue and ensure that these furnishers are held accountable for the harm theyve caused. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Possible Financial Inc
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX, and XXXX  are reporting an inaccurate and completely unverifiable account under the name XXXX  XXXX *, Date Opened XX/XX/year>, with a Balance Owed of {$280.00}, listed as a Charge-Off. I have no knowledge of this account and have never opened, authorized, or maintained any financial relationship with Possible Finance connected to this account. This account does not belong to me and is being falsely reported under my credit profile. 

This false and damaging entry violates my consumer rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), which require credit bureaus to report only accurate and fully verifiable information, and to delete any data that can not be substantiated. Despite my previous dispute request, this account continues to appear on my credit report with no documentation, proof, or signed agreement from the original creditor showing that this account is legitimate or associated with me. 

The continued reporting of this inaccurate and unverifiable account has caused emotional stress, lowered my credit score, and interfered with my ability to access fair financial opportunities. This negligence reflects a failure to comply with federal consumer protection laws designed to prevent false, misleading, and harmful reporting.

Company response to consumer: Closed with explanation