vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Complaint Summary I am filing a complaint against the XXXX nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) for inaccurate, incomplete, and inconsistent reporting of a XXXX XXXX  ( Acct. # XXXX * * * * ). Despite the account being closed and paid/settled, each bureau is reporting different and contradictory information regarding the balance, status, and payment history. These inaccuracies are materially damaging to my credit profile and violate the Fair Credit Reporting Act ( FCRA ). 

Details of Inaccuracies : - XXXX XXXX : Equifax reports {$0.00} balance, while TransUnion and Experian report a {$450.00} balance. 
- XXXX XXXX : Equifax reports 'Paid/Closed/Settled, ' while TransUnion and Experian continue to XXXX late XXXX notations. 
- XXXX Remarks : Remarks are inconsistent across bureaus, including 'Canceled by credit grantor, ' 'Closed due to inactivity, ' and XXXX accepted. ' Only XXXX closure reason can be accurate. 

Laws Violated : - FCRA 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information.

- FCRA 611 : Consumers have the right to dispute inaccurate information, and CRAs must correct or delete unverifiable information.

- FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers ( Target/TD ) must not report information they know, or have reasonable cause to believe, is inaccurate.

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 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was sending my mom a XXXX to help her out with her rent. I used her email address : XXXX to send {$1000.00}. It showed me her name on there so I push send. Do to it being a holiday that following Monday I told my mom it probably hasn't process because of the holiday. That Tuesday morning when I look and noticed it was no longer pending, I called my mom to see if she received it and she said no. I Instantly called Chase to report she hasn't received money and to start a claim. They said theres nothing they can do because it process and I explained over and over the situation at state. So I disputed twice and there's Lack of information that they are providing me that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Climb Credit Inc.
State: LA

Complaint narrative:
Some time in XXXX I enrolled in an online coding bootcamp named XXXX, based on their claims of live mentorship, career coaching, job placment support, and full-stack development training. The total cost of the program was a 1 time payment of {$10000.00}. When I said I have no way to pay for it, the people at XXXX said " Don't worry, we can get you a loan through our 3rd party lending partner, XXXX XXXX. '' I was never told the APY of the loan, nor was I given any means to set up an account with them to even pay the loan. The sales process was highly aggressive, with pressure to sign up quickly due to limited availibility and also a refund if I was unsatisfied with the program itself. Upon begining the course I realised that it was incomplete, had no structure, and there was no live mentorship at all. Once I noticed the deception that had taken place, I had requested a refund but I was ignored. When I asked a second time, I was told that there are no refunds at all and that I could try talking with XXXX. Eventhough the service was not as promised, XXXX XXXX still expects me to pay the loan in full with intrest. I feel like there was substancial deception and misrepresentation resulting in a financial burden from a servic that was not delivered as advertised. I wish for the CFPB to investigate the condut of both XXXX  and XXXX XXXX, and assist in canceling the loan or securring a full refund. I also hope that people will see and take this as a warning for any of those online bootcamp programs, and others that are similar.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: WA

Complaint narrative:
I am a XXXX XXXX user, backed by Wells Fargo. On XXXX XXXX, I used the app to create a rent payment in the form of a check to my landlord. However, the app crashed during the creation of the first check. I did initially check to see if it had been created, which it hadn't. I went through the process again, which worked and showed on my record. 

I checked the following day and saw that two checks for the same day had been created. I called to dispute the transaction, to which they opened a claim. Nothing happened with this claim only to receive notice that it had been closed today, well long after both checks had already been mailed out.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX I went to my bank Vystar in XXXX Florida located on XXXX XXXX .. and was disrespected by the teller and another customer. 

I called in to cooperate and to make an complaint about what happen.. 

The Customer service lady was very understanding and apologetic towards my experience! And found out today after trying to use my card..

My accounts was closed without notice.. I had too many payments from credit cards coming out soon and Im XXXX  parent no way Ill be able to feed my daughter for the next week or so.. 

If it was such a problem the manager would called cooperate or the police..

what they did was unlawful and unjustified. I even apologize to manager and customers for using curse words. When I left everybody was smiling and manger telling me its ok because that customer is known for getting into arguments with customers but to close my account and not the other XXXX  lady account is XXXX discrimination. 


Please investigate ASAP and make them Pay for all the fees I will have to pay back for return payments

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I filed claims with Chase Bank for numerous unauthorized transactions on my account ending in XXXX. Two of these claims, totaling over {$7100.00}, were subsequently denied without any supporting evidence. 

Specifically : - On XX/XX/year>, Chase denied claim number XXXX, which covered 20 transactions amounting to {$6100.00}. 

- On XX/XX/year>, Chase denied claim number XXXX, which covered two ATM withdrawals amounting to {$1000.00}. 

In both denial letters, Chase stated only that the transactions were " processed according to the information you provided or was authorized ''. The letters state I can " Contact us if you would like to request the information we used for our research, '' but the bank has not provided this information. I am disputing this outcome because Chase has failed to provide any proof to substantiate their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint against the three nationwide credit reporting agencies ( TransUnion, Experian, and Equifax ) and the furnisher ( XXXX or its successor ) for violating the Fair Credit Reporting Act ( FCRA ). Despite my disputes, they continue to report inaccurate and inconsistent information on my credit file. 
Details of the account in question : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( partial ) Date Opened : XX/XX/year> Violations : 1. Balance is reported as {$0.00} while the account is still listed as derogatory charge-off. This violates FCRA 602 ( A ).

2. Payment history shows 'OK ' after charge-off, which is inaccurate. This violates FCRA 607 ( B ).

3. Each bureau reports different 'Date Last Active ' and conflicting comments. This violates FCRA 623 ( a ) ( 1 ) ( A ).

4. Furnisher continues to report misleading and inconsistent information without proper reinvestigation. This violates FCRA 611 ( a ).

5. Reporting account as charged off while balance is zero constitutes misrepresentation. This violates FCRA 623 ( a ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your records account number. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please cease all contact with me by phone, mail, email, or any other means, except to provide written confirmation that you will comply or to notify me of specific legal actions you intend to take.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Send the letter certified mail with a return receipt and keep a copy for your records. If LVNV Funding continues to contact you after receiving the letter, you may have legal grounds under the FDCPA to pursue remedies.

This approach protects your rights and helps stop unwanted debt collector contact from LVNV Funding while maintaining a professional record of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I formally dispute the reporting of accounts listed under my profile that were not authorized by me. Please investigate thoroughly and remove them. Supporting documentation is enclosed.

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 2025-10-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AA

Complaint narrative:
sold my home and closed XX/XX/year>. 

paid off my {$250000.00} credit line in order to close out the sale. wells changed payoff amount and argued with closing title company and then could not explain increased payoff amount for 10 days after closing. Additionally they confirmed that they had received the wire from me 5 days after the closing and then 2 weeks later without my account showing closed out, had the executive office ask me to send another wire for {$250000.00} and claimed they had returned the first wire.

this back and forth went on for nearly 30 days and finally they verbally told me the loan was closed out and sent me the lien release and debt satisfied. 

its now XX/XX/year> or 100 days since payoff and my credit score and information still show that i owe the {$250000.00} and monthly payment of {$1700.00} and this is negatively impacting and lowering my credit score by XXXX to XXXX points. my score was at XXXX or so before this closing and now at XXXX. ive called wells several times and it never gets resolved and today they said theyd investigate and get back to me by XX/XX/year>. unacceptable. XXXX received wire payoff same day for {$29000.00} and the loans was. immediately removed from my credit report and they arent a bank.

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 2025-10-02 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:
They are reporting several accounts late on my report and i never been late on my credit report I been asking them now for 4 months now and no one is taking this seriously this has stressed me out and has become a big problem, I take my credit serious and its no way I would not make a payment, You can't be showing I'm 180 days late when that's not true because i was in forbearance and then they debit out of my account now the loan is sold and they are affecting my dad credit as well he has nothing to do with this it's not right when I'm paying on time and i get this kind of services, They make everything so confusing I've done everything the right way and I'm still getting affections my credit Here are the statements I gathered. I paid manually on XX/XX/XXXX, had auto pay setup. Auto pay went out on XX/XX/XXXX, and it was also supposed to go out on XX/XX/XXXX, but the new lender paid it off on XX/XX/XXXX, so I had nothing to pay on XX/XX/XXXX. These statements should reflect that I never ever been late, I also sent you the credit report that's been reporting late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Bridgecrest has reported an address that I have never lived at-my fathers old address in XXXX XXXX XXXX This incorrect address appeared on my credit report after I informed Bridgecrest in good faith, that I might visit my father due to financial hardship and my granddaughters medical condition renal XXXX failure. I never authorized this address to be used or reported.iolates the Fair credit reporting act XXXX As a result, I have received no proper notices for the repossession and sale of my vehicle. While my credit report is shows an address that I have never lived at and I have not changed my address in XXXX  years. I have disputed this with XXXX, but they refused to remove that address said that they could not remove that address XXXX XXXX XXXXXXXX Bridgecrest told them too! That made absolutely no sense to me as Bridgecrest already knows this as they repossessed my vehicle at my home address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not in XXXX XXXX where they left a voice message stating that I had so many days to respond to a letter they sent to the XXXX XXXX address. I believe this violates the Fair credit reporting act FCRA and may also involve deceptive practices in XXXX  XXXX. Additionally, I was notified by the credit reporting agency XXXX  that my personal information was leaked on the dark web that same week. Since then I have been notified that it has been exposed over XXXX times. I am concerned that Bridgecrest mishandling my data to this breach. I request that the CFPB investigate XXXX. The unauthorized use of my fathers address XXXX. Failure to send the proper paperwork on the repossession and sale notices to my actual address that is written on the contract. XXXX. The refusal by XXXX  to correct my inaccurate address XXXX. Where Bridgecrest must of experienced a data breach and failled to notify by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I was charged {$3200.00} by XXXX XXXX XXXX for a subscription. On XX/XX/year>, the charge posted to my Capital One account. On XX/XX/year>, I requested cancellation and a refund. XXXX refused a refund, citing non-refundable terms, but offered an account credit instead. 

I then filed a dispute with Capital One under cancellation / no longer wanted service. Capital One reviewed and resolved the dispute against me, siding with the merchant based on their terms and the credit offer. 

After that dispute was closed, XXXX closed my account entirely. Despite Capital One re-charging me the full {$3200.00}, I was left with no access to the platform, no service delivered, and no refund. 

I contacted XXXX multiple times for reinstatement or refund but received no response. I then contacted Capital One disputes and explained that this was now a services not provided issue, separate from the original cancellation dispute. I specifically asked if a new dispute could be filed under that category. A supervisor told me no, that Capital One would not accept a new dispute, and that there was nothing more they could do. 

As a result, I have paid {$3200.00} and received nothing. This should not be allowed. Consumers should not lose both their money and their service simply because they exercised their right to dispute a charge through their credit card company. A business should not be permitted to retain full payment while refusing to provide either service or refund. 

I am requesting this be reviewed as a new dispute under services not provided, since the facts changed after the first case was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within XXXX  days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-10-03 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: MI

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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