vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
TransUnion Is Not a Credit Bureau Under Federal Law : Under 15 U.S.C. 1681a ( w ), a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis must meet specific statutory criteria.

According to 12 U.S.C. 5301, the Consumer Financial Protection Bureau ( CFPB ) is the only federal agency recognized to enforce federal consumer credit protection laws, effectively superseding private, third-party data brokers like TransUnion.

TransUnion operates as a non-affiliated third party and relies solely on consumer consent to access and report personal data.

2. Failure to Assure Maximum Accuracy 15 U.S.C. 1681e ( b ) : The FCRA imposes a legal duty on entities like TransUnion to ensure the maximum possible accuracy of the information they report.

Despite my formal dispute, TransUnion has continued to report negative or unverifiable information with no proper investigation, correction, or deletion, in violation of its obligations.

3. Permissible Purpose and Privacy Violations 15 U.S.C. 1681b : TransUnion has failed to demonstrate a permissible purpose for collecting, maintaining, and disseminating my credit information. 
Under FCRA privacy protections, any access or use of consumer information must be clearly justified by law, contract, or consumer consent. None of these have been clearly demonstrated in this case. 
4. Willful Noncompliance and Civil Liability 15 U.S.C. 1681n : TransUnions failure to act upon my formal dispute within the time allowed by law constitutes willful noncompliance.

This gives rise to civil liability, including statutory and actual damages, attorneys fees, and possible punitive damages, under 15 U.S.C. 1681n.

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 2025-07-15 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: NY

Complaint narrative:
TransUnion Is Not a Credit Bureau Under Federal Law : Under 15 U.S.C. 1681a ( w ), a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis must meet specific statutory criteria.

According to 12 U.S.C. 5301, the Consumer Financial Protection Bureau ( CFPB ) is the only federal agency recognized to enforce federal consumer credit protection laws, effectively superseding private, third-party data brokers like TransUnion.

TransUnion operates as a non-affiliated third party and relies solely on consumer consent to access and report personal data.

2. Failure to Assure Maximum Accuracy 15 U.S.C. 1681e ( b ) : The FCRA imposes a legal duty on entities like TransUnion to ensure the maximum possible accuracy of the information they report.

Despite my formal dispute, TransUnion has continued to report negative or unverifiable information with no proper investigation, correction, or deletion, in violation of its obligations.

3. Permissible Purpose and Privacy Violations 15 U.S.C. 1681b : TransUnion has failed to demonstrate a permissible purpose for collecting, maintaining, and disseminating my credit information. 
Under FCRA privacy protections, any access or use of consumer information must be clearly justified by law, contract, or consumer consent. None of these have been clearly demonstrated in this case. 
4. Willful Noncompliance and Civil Liability 15 U.S.C. 1681n : TransUnions failure to act upon my formal dispute within the time allowed by law constitutes willful noncompliance.

This gives rise to civil liability, including statutory and actual damages, attorneys fees, and possible punitive damages, under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After thoroughly reviewing the information, I have determined that this bankruptcy entry is incorrect and should not be associated with my file. I have official documentation from the court that clearly confirms this bankruptcy was not to be reported to any credit reporting agencies. Despite this, the account continues to appear on my credit report, which is both misleading and harmful to my credit profile. 

What makes this situation even more alarming is the involvement of an XXXX XXXX XXXX  This adds a serious layer of concern regarding the integrity and security of my personal information. I have never given permission for anyone to act on my behalf in this matter, nor have I been involved in any actions that would justify this bankruptcy being reported.

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 2025-07-15 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
my personal information was a part of the Equifax data reach, which resulted in unauthorized accounts being Open unknowingly To my knowledge, as a result, these counts became collection accounts reported on all bureau to know of this have tried to communicate with collection company personally, and the credit bureau. Personally action has been taken to relieve this account from Credit!!! report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
I'm contacting you regarding fraudulent accounts on my consumer report linked to identity theft. I never authorized these accounts with a wet signature or any written consent. Despite previous communication with your organization, these inaccurate items remain on my report, causing significant emotional and financial distress by misrepresenting my credit history. These fraudulent entries have prevented me from achieving important financial goals like purchasing a home and supporting my family properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
My Chime account was closed without any notification or reason as to why it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Consumer Complaint Summary Synchrony Bank / CareCredit Account Ending in XXXX This is my XXXX formal complaint against Synchrony Bank for deceptive and unlawful handling of my CareCredit account. Despite multiple certified letters and previous CFPB complaints, Synchrony continues to issue contradictory statements, alter reported balances, and damage my credit during an active dispute. 

Most recently : Last week, Synchronys own records reflected XXXX different negative balances on my account within days of each other : A formal statement reported to credit bureaus showing {$640.00} An internal system record showing {$530.00} with no minimum payment due These negative balances indicate credits owed to me and strongly suggest Synchrony internally closed my account last week without notifying me. 
On XX/XX/year> at XXXX, Synchrony emailed me a letter dated XX/XX/year> ( that's a Sunday ) stating my account had been closed per my request while still reporting a {$530.00} balance. I have never agreed to any remaining balance, and Synchrony has provided no documentation or explanation for how ANY of these balances were calculated over the last XXXX months. ( see enclosed timeline ), Synchrony, in the last 3 months has : Issued XXXX separate refunds, which clearly shows they knew these charges were wrongful. 
Reset my balance to zero twice, then readded thousands in charges without explanation. 
Removed dispute remarks from my credit file only after I demanded it, while continuing to report the account as delinquent. 
Ignored repeated requests for full billing statements and itemized accounting. 
This pattern is not accidental. It reflects a deliberate course of harassment and gaslighting intended to weaken me and wear me down into giving up my dispute. The repeated contradictions, unexplained balances, and credit damage amount to unfair and deceptive practices. 

These actions violate the Fair Credit Billing Act ( 15 U.S.C. 1666 ) by billing during a pending dispute, the Truth in Lending Act ( 12 CFR 1026.4 ) by charging for a product I never knowingly enrolled in, and the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ) by furnishing inconsistent and misleading information to credit bureaus.

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 monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at around XXXX I was stopped at a traffic intersection by a man who offered to clean my windshield. I said I would pay him {$5.00} through Cashapp, but he refused to tell me his account name and instead took my phone from me to put it in himself. He completed the {$5.00} payment I had intended to send him at XXXX, and then in less than a minute proceeded to send a new payment to which I did not consent for {$200.00}. This was a fraudulent payment and theft. I called Cashapp support as soon as I arrived at my destination to ask them to cancel the second payment, and they said they could not do that. I gave them all the details of what happened so they could file a fraud report. They eventually ruled that no fraud had taken place, despite it seeming strange that I would send a new user two significantly different amounts of money within the span of one minute. I now have a pin set up so nobody can send unauthorized payments, which is a security feature I had to find on my own after this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I've moved out of Region 's service area, so I'm trying to close my account. In order to do this, I need to transfer my money out. I've tried to do this with external transfers and through XXXX. Anytime XXXX try and setup an external account and do this, they block/freeze the transaction and tell me to call them. I call them, they waste an hour of my time, tell me they've unfrozen my account, only to have the same thing happen again the next attempt. I've explained this whole loop to them and they are completely and totally unwilling to help. 
In addition to this, they want to charge a {$25.00} account closure fee. I shouldn't be penalized for not wanting to use a bank that is this incompetent. I've moved out of their service area, I should be allowed to close my account without penalty.

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 2025-07-15 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-15 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo claims dept. Denies every claim presented and when escalated the Wells Fargo executive offices don't investigate either they just stand by the original decision .. here is a copy of my complaint denied and why the bank don't do anything in good faith to help their costumers ... they're are only trained to deny not to investigate or help. 

Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Consumer Financial Protection Bureau , case number : XXXX Dear XXXX XXXX XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. 

Claim number XXXX On XX/XX/year>2025, your claim was opened for disputed XXXX transactions totaling {$14000.00} on your account. We mailed a letter dated XX/XX/scrub> 2025, advising the claim was denied because it was determined that no error occurred as the transactions were completed as requested by you, to the account associated with the phone number or email that was provided. 



Actions taken We received your submission, which was forwarded to us by the Consumer Financial Protection Bureau to dispute the findings issued by our Claims Department. The Executive Office submitted the additional documentation for reconsideration of your claim decision.

After a thorough review, the claims department has determined that the original decision will stand. The claim remains denied because no error occurred as the XXXX transactions were completed as requested by you, to the account associated with the phone number or email that was provided.

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 2025-07-15 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/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