vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SYNCB/CARECR s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Equifax yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. SYNCB/CARECR has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. SYNCB/CARECR 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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Credit card debt has been sold to another company and still expects me to pay. Then soon after I was notified by the bank that my account is closed due to fraudulent activity on my account so they closed it. Tried to do an appeal still nothing. I dont think its fair or right for me to pay for anything when they are the ones who informed me that my account is closed due to fraudulent activities on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint throug

h the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX account XXXX XXXX XXXX XXXX XXXX  was fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent account from harm to my creditworthiness and financial well-being. XXXX XXXXXXXX XXXX XXXX Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c- 2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ).

In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
My credit report includes collection accounts that I believe contain inaccurate information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting that these accounts be reviewed, and if they can not be confirmed as accurate, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: TX

Complaint narrative:
I am submitting this complaint because my credit reports maintained by the major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXXs well as certain secondary reporting agencies contain inaccurate or incomplete information. 

These errors include accounts and information that do not belong to me and/or are reported incorrectly. The presence of these inaccuraci

es is causing me financial harm and may negatively affect my ability to obtain credit and fair lending terms. I have not filed disputes directly with the bureaus. Instead,
I am requesting that the Consumer Financial Protection Bureau ensure that each credit reporting company conducts a full and proper investigation into my reports and corrects or removes inaccurate information, as required by the Fair Credit Reporting Act ( FCRA ).

I am prepared to provide supporting documentation as needed, including identification and evidence of inaccuracies, to assist in resolving these issues.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Even though I know this report will end up on the crooked and corrupt XXXX Is desk and then straight into the trash, I chose to write it via the CFPB so that it goes into public record. 

Last time I lodged a claim against XXXX, the crooked and corrupt Wells Fargo claims department closed my case stating that they sent me a letter asking for more info when in reality, I never received any such letter. That was just a convenient excuse for them to close the claim and side with the merchant. I expect the same exact XXXX to happen again. 

Heres what happened this time : I paid {$310.00} to a property {$63.00} of that specifically for a credit and background check. I submitted the application after business hours and withdrew it just a few hours later still during their closed hours. XXXX XXXX The credit and background checks were not done. Period. XXXX XXXX  The next morning, the merchant initially refused to refund the {$63.00}. I informed them that under California law, it is illegal to profit from application fees. That money is strictly meant to cover the actual cost of running a background and credit check. When no check is done, the money must be refunded. Thats not my opinion thats the law. 

Eventually, the manager admitted this in writing and agreed to refund the application fee. But instead of refunding the full {$310.00}, they sent a check for {$250.00} short by exactly {$63.00}. 

I filed a claim with Wells Fargo and, on the same day XXXX, emailed their claims department all the emails between me and the merchant, where the merchant clearly states the application fee will be refunded. 

Now I check the status of the claim and surprise Wells Fargo has marked it as we sent you a letter requesting more information. I know how this game works. I will never receive that letter, because XXXX XXXX  there is no letter XXXX XXXX This is the same scam Wells Fargo ran last time, and its part of the dirty tricks the executive office pulls to quietly deny claims. 

Attached are the screenshots of the emails showing the merchant admitted the refund was due. I have no further documents to provide to Wells Fargo other than the attached screenshots. 

I know that the crooked and corrupt XXXX XXXX and XXXX will respond in a few months if at all because these individuals are not only lazy and dishonest, but abuse what little authority they have. Still, Im putting this in writing because it needs to be on public record, and Im not going to be silent while Wells Fargo keeps playing games with legitimate claims backed by written proof.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I went on my credit, I noticed 10 years ago someone opened up accounts under my name including : XXXX XXXX : Acct # XXXX - This account was opened fraudulently. Please remove from my credit report Contact : XXXX American Express : Acct # XXXX - Please remove from my credit report Contact : XXXX XXXX : Acct # XXXX - Please remove from my credit report Contact : XXXX XXXX XXXX : Acct # XXXX - Please remove from my credit report Contact : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: WA

Complaint narrative:
I am formally sending the following unauthorized inquiries, which were made without my authorization and without a permissible purpose, in violation of FCRA 604 ( 15 U.S.C. 1681b ), and appear to be the result of a mixed file or mistaken identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute multiple inaccurate items appearing on my credit file. These errors include incorrect addresses, a charge-off that I do not believe is accurate, and several unauthorized inquiries. Please treat this letter as my written dispute under the Fair Credit Reporting Act ( FCRA ), and conduct a full reinvestigation of the items listed below.Please remove the following addresses from my credit file. These addresses are not associated with me and appear to be the result of a data entry error or identity mix-up : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX PL XXXX XXXX GA XXXX I dispute the accuracy of the following charged-off account. Please reinvestigate and provide verification : CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} I did not authorize the following inquiries. Under the FCRA, inquiries must have a permissible purpose. Please remove these inquiries unless you can provide documented proof of a lawful, consumer-initiated transaction : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> These inaccuracies violate my rights under the FCRA, including but not limited to : FCRA 604 ( 15 U.S.C. 1681b ) inquiries must have a permissible purpose. 

FCRA 607 ( b ) / 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute and requires a prompt reinvestigation.

FCRA 605B / other applicable sections furnishers and CRAs must correct or delete unverifiable information. 

Requested Remedies & Documents As part of your reinvestigation, please : Perform a complete reinvestigation of all items listed above and correct or delete any information that can not be fully verified. 

Provide a written report of the results of your reinvestigation and send me a copy of my updated credit report showing any changes you make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX, graduated in XXXX, and took out both federal and private loans. XXXX misrepresented job guarantees, employment rates, and program quality. The XXXX XXXX XXXX XXXX discharged my federal loans through XXXX XXXX to Repayment. 
I am requesting that Mohela also discharge these private loans, as they were obtained under the same fraudulent circumstances. Continuing to collect on this debt is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
A furnisher has reported false information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Despite being notified of the error through my dispute, the furnisher continues to verify the incorrect account as accurate, without providing evidence to support their claim. This has caused ongoing harm to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-30 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:
A furnisher has reported false information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Despite being notified of the error through my dispute, the furnisher continues to verify the incorrect account as accurate, without providing evidence to support their claim. This has caused ongoing harm to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is both accurate and verifiable. I am requesting a review of these entries, and if they can not be properly verified, they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: WA

Complaint narrative:
I am formally sending the following unauthorized inquiries, which were made without my authorization and without a permissible purpose, in violation of FCRA 604 ( 15 U.S.C. 1681b ), and appear to be the result of a mixed file or mistaken identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: WA

Complaint narrative:
I am formally sending the following unauthorized inquiries, which were made without my authorization and without a permissible purpose, in violation of FCRA 604 ( 15 U.S.C. 1681b ), and appear to be the result of a mixed file or mistaken identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-30 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.

Complaint narrative:
I am writing to formally dispute certain information in my credit file. I recently reviewed my credit report and found accounts being reported by XXXX XXXX ( XXXX  ) XXXX XXXX under account numbers XXXX and XXXX, showing balances of XXXX and XXXX respectively. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible purposes. XXXX such purpose is with the written consent of the consumer. I have never given written authorization or consent to XXXX XXXX ( XXXX  ) XXXX, XXXX, or any other related entity to furnish, obtain, or share my personal information with your bureau. 

Because no such authorization exists, this reporting is unlawful and inaccurate. I am therefore demanding that : XXXX. You conduct a full reinvestigation of these accounts. 


XXXX. You provide me with documented proof of my written consent authorizing the furnishing of my credit information. 


XXXX. If no such proof exists, you must immediately delete these accounts from my credit file in compliance with 15 U.S.C. 1681i ( a ).

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 2025-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
They ( XXXX XXXX XXXX ) are holding insurance claim funds and refusing needed home repairs ( roof )

Company response to consumer: Closed with explanation