vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint to report ongoing inaccuracies and inconsistent reporting of multiple credit accounts across Experian, Equifax, and TransUnion, which has resulted in an incomplete and misleading representation of my credit history. Upon reviewing my credit reports, I identified several accounts where balances, dates of last activity, reporting dates, and payment statuses differ materially between bureaus, even though the accounts originate from the same creditors and time periods. For example, my XXXX XXXX account ending in XXXX is reported as 30 days late on Experian with a balance of {$7000.00} and a last activity date of XX/XX/year>, while Equifax reflects the same account in good standing, and TransUnion reports a different balance of {$7100.00} with a different last activity date of XX/XX/year>. Similarly, my XXXX XXXX account ending in XXXX shows a consistent balance of {$2900.00} but conflicting last activity dates and repeated XXXX late indicators across all three bureaus, making it unclear which timeline is accurate. My XXXX XXXX account ending in XXXX is reported with XXXX different balances XXXX and {$670.00} along with varying reporting dates and late payment statuses, suggesting the information was not properly verified before being furnished. In addition, older accounts with XXXX balances, such as mXXXX XXXX XXXX XXXXccount ending in XXXX and my XXXX XXXX XXXX account ending in XXXX, continue to display late payment indicators on Experian and TransUnion while being reported in good standing on Equifax, despite identical account ownership and resolution. These inconsistencies indicate failures in the duty to ensure maximum possible accuracy, investigate disputed information, and correct or update records as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681s-2, and have caused ongoing confusion, reputational harm, and potential adverse credit decisions based on conflicting data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NV

Complaint narrative:
I am submitting this complaint to report ongoing inaccuracies and inconsistent reporting of multiple credit accounts across Experian, Equifax, and TransUnion, which has resulted in an incomplete and misleading representation of my credit history. Upon reviewing my credit reports, I identified several accounts where balances, dates of last activity, reporting dates, and payment statuses differ materially between bureaus, even though the accounts originate from the same creditors and time periods. For example, my XXXX XXXX account ending in XXXX is reported as 30 days late on Experian with a balance of {$7000.00} and a last activity date of XX/XX/year>, while Equifax reflects the same account in good standing, and TransUnion reports a different balance of {$7100.00} with a different last activity date of XX/XX/year>. Similarly, my XXXX XXXX account ending in XXXX shows a consistent balance of {$2900.00} but conflicting last activity dates and repeated XXXX late indicators across all three bureaus, making it unclear which timeline is accurate. My XXXX XXXX account ending in XXXX is reported with XXXX different balances XXXX and {$670.00} along with varying reporting dates and late payment statuses, suggesting the information was not properly verified before being furnished. In addition, older accounts with XXXX balances, such as mXXXX XXXX XXXX XXXXccount ending in XXXX and my XXXX XXXX XXXX account ending in XXXX, continue to display late payment indicators on Experian and TransUnion while being reported in good standing on Equifax, despite identical account ownership and resolution. These inconsistencies indicate failures in the duty to ensure maximum possible accuracy, investigate disputed information, and correct or update records as required under the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681s-2, and have caused ongoing confusion, reputational harm, and potential adverse credit decisions based on conflicting data.

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 2025-12-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I went to the doctor for an opinion concerning my body. My original doctor was absent so I was seen by another physician who came in an examined the area. She then stated that she was unsure at the time. I was billed and after being billed I complained that there was no service provided. I future stated that if there was I had medical insurance. The office was not helpful in this situation and now I see that there is a issue on my credit because of this. This was an unfair hit to my credit and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They repeatedly place holds on my account or card, transactions denied repeatedly for years this has gone on, let unauthorized charges go through and declined my attempts, they never sent proper notice of holds on account or cards, they denied me the right of not canceling my cards repeatedly after telling me they saw no fraud of which they put holds on, I don't have access to online banking after numerous requests for assistance with this issue, they hung up on numerous times after requesting to file complaints against wells fargo without me ever getting to challenge their actions. If my account is looked at thoroughly then what I'm reporting can be proven because they started this around XXXX when I was banking at the XXXX XXXX  location in XXXX XXXX XXXX  causing me to eventually loose possession of my vehicle and unable to pay utilities seeking public assistance to avoid interruption of services. I've fallen behind in rental payment due to holds on account I was paying through the seller and had no access to my account for nearly four months in XX/XX/XXXX until XX/XX/XXXX, they had no information for me after telling me that a hold of suspicion of fraud had taken place through XXXX and my email but never being able to show me the transaction and never did and they did this without notifying me I had just received a settlement for exposure to black mold and I deposited a XXXX check from XXXX XXXX firm and the abuse is still going on month to month forcing me to live on overdraft fees and taking the bulk of my monthly social Security check that gets direct deposited since 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 2025-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am filing a complaint regarding an unresolved freeze on my American Express High Yield Savings Account that has prevented access to my funds despite repeated verification attempts. 

On XX/XX/year>, my wife and I transferred {$32000.00} to a new joint XXXX with XXXX from a debit account held with XXXX XXXX  / XXXX Skylight. The initial transfer was reversed by XXXX  because the joint account names did not match exactly. This issue was subsequently resolved with both institutions, with account verification via XXXX, and the transfer ultimately completed successfully on XX/XX/year>. 

Despite this resolution, XXXX XXXX froze all transfers on XX/XX/year>, following an internal Protection Department review. American Express requested verification that the originating account belonged to us. I provided an official account statement from XXXX XXXX  clearly identifying my wife as the account holder. American Express declined to lift the freeze, stating that the banks name was not on the statement, despite the bank name being present on the document. 

I then attempted to facilitate a three-way call between American Express and XXXX XXXX to resolve the issue directly. American Express declined to remain on the line due to extended hold times with XXXX XXXX. The last agent refused to offer any additional assistance and hung up on us. Since the start, I have made multiple attempts to resolve the matter by phone. Each call requires prolonged wait times, and no clear remediation path or timeline has been provided. 

As of today, the account remains frozen including an additional {$18000.00} deposited from our XXXX XXXX accounts, my access to a total of {$50000.00} is restricted, and American Express has not identified any additional documentation that would resolve the issue. The burden placed on me to regain access to my own funds has been excessive and unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
This dispute with TransUnion over a XXXX XXXX dispute is not a question of my credit worthiness nor should effect my credit card.Back at the end of XXXX I had a person working for me. And I had them go to a Cafe and get lunch .Well I had no idea they grabbed the wrong card I told them to get out my truck and paid for the food and anyways well its two months later and I just happen to see my credit score drop over XXXX points and I got to looking and I seen a charge for the XXXX XXXXXXXX with my XXXX XXXX card XXXX XXXXXXXXSo then I check my XXXX XXXX app and Im two months past due and owe {$90.00} and my credit limit is suspended.I immediately call XXXX  XXXX tell them what I happened and it was an accidental charge but I couldnt press charges because it was an honest mistake of my worker.So I paid the {$90.00} in full and asked for my credit to be reinstated and it was but now I believe this the loss of XXXX points to my TransUnion credit score is a false representation of my creditworthiness.I feel as though it was clerical mix up and not as much as lack of worthiness to pay my bills because look, I paid the whole bill off as soon as I figured out about it .I could have chose to pay minimum.That right there should show my worthiness of my original credit score prior to this inaccurate representation of my credit history and would ask for it to be immediately restored please

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading information on my credit reports with TransUnion. On my TransUnion report, an unauthorized inquiry from XXXX dated XX/XX/year> appears, which I did not authorize, initiate, or consent to, and I have reason to believe my personal identifying information was used without my permission. Despite providing documentation including my drivers license, proof of address, and an FTC Identity Theft Report, this inquiry has not been removed, and I have not received verifiable proof from TransUnion showing that I authorized it, in violation of the Fair Credit Reporting Act ( FCRA ) Sections 605B, 609 ( a ) ( 1 ), and 611, which indicate that I am disputing the account, even though I am no longer disputing it. These remarks are misleading, can interfere with automated and manual credit reviews, and prevent lenders from accurately assessing my creditworthiness.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
To the best of my knowledge, I do not owe the amount claimed by the Plaintiff. In XX/XX/year>, I contacted the original creditor, XXXX XXXXSynchrony Bank , to close my account. During that call, I was informed by the representative that there had been a system error associated with my account. I was specifically instructed to disregard that account and to instead monitor a different account that reflected a XXXX balance. Based on that information, I believed the account was properly closed and resolved, with no remaining balance due. 
Following that conversation, I did receive mail correspondence from the creditor. However, because I had been expressly told the account was closed and should be disregarded, I reasonably believed those mailings were related to the resolved account and did not reflect an active balance. I did not receive any clear or direct notice indicating that money was still owed. The court summons was the first time I became aware of any alleged outstanding balance.

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 2025-12-27 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: TN

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments and delinquency on my account, as these entries do not reflect the true status of my payments or agreed terms.

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 2025-12-27 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: OK

Complaint narrative:
I did not open or authorize this account, yet it has been added to my credit report with inaccurate information.

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo froze my account after an unauthorized transaction was reported and required multiple security steps, including repeated password resets and submission of a government issued ID and a separate selfie holding the ID. I completed all requested verification steps. 

After confirming the unauthorized transaction and reversing it, Venmo asserted that I had created multiple Venmo accounts and listed three usernames, including accounts that do not belong to me. I responded in writing that I own and control only one XXXX  account and that the other listed accounts belong to separate individuals. 

The additional accounts Venmo referenced belong to family members in my household. In the past, we have used shared devices, which appears to have caused Venmo to incorrectly associate separate individuals accounts. Shared device usage does not establish account ownership, control, or a violation of the Venmo User Agreement.

Despite this clarification and without providing evidence that I own or control the other accounts, Venmo stated that my account was cancelled. In the same email thread, Venmo simultaneously instructed me to complete additional verification steps to unfreeze the account.

In practice, my account remains suspended rather than fully closed. Venmos communications are internally inconsistent and have left my account in a restricted state despite my completion of all requested security and identity verification steps.

Venmo has not identified a specific policy violation supported by facts, nor provided a meaningful opportunity to address or correct any alleged issue. The attached email record documents Venmos contradictory statements and the unsupported basis for the continued restriction of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I was emailed by my office oXXXX XXXX XXXX XXXX  XXXX XXXX XXXX was going to garnish my wages for a total of {$5200.00}. On XX/XX/XXXX I went to court to submit an order to show. I was granted by the judge the next day on XX/XX/XXXX that the garnishment be removed. Afterwards I mailed first class mail to the XXXX XXXX  and Tromberg, Morris & Partners, PLLC the order to show form signed by the judge. The next pay period, I noticed the they still garnished my wages for my XX/XX/XXXX pay check. I called the office and then they finally submitted the wages garnished to be returned to me. Afterwards Tromberg, Morris & Partners, PLLC put a hold on my Savings account for an amount under what they say I owe. When I called their lawyers, he hinted if I pay half, they will take it off. I told him I was going to court. A few days later on XX/XX/XXXX they put a hold on for a little {$5000.00} on hold until XXXX/XXXX/XXXX. I don't know what to do. This debt is not on my credit report and I have received nothing from them in regard to the debt. 

Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Their ad on XXXX says they will approve any credit, it says sign and drive, but I got denied.

Company response to consumer: Closed with explanation