vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Dispute Regarding Late Payments Reported During the COVID-19 Emergency Period Dear CFPB Representatives, I am writing to formally dispute the reporting of multiple late payments on my credit report related to XXXX held with WFBNA card. These late payments have been reported continuously since XX/XX/year> and are negatively impacting my credit profile. 
During this time, the United States was under a national emergency due to the COVID-19 pandemic. In response, Congress enacted the CARES Act, specifically Section 4021, which amended 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Fair Credit Reporting Act ( FCRA ). This amendment prohibits furnishers from reporting late payments if the consumer was in an agreement of forbearance, deferment, or payment accommodation due to the national emergency.

Despite these protections, the late payments have continued to be reported, which may constitute a violation of both the CARES Act and the FCRA if any form of payment arrangement or accommodation was in place.

Furthermore, I invoke my rights under the Truth in Lending Act ( TILA ), which requires creditors to clearly disclose and accurately reflect any agreed-upon changes in credit terms. If there were any modifications or accommodations made to my account, they must be properly documented and reflected in my credit file.

In light of the above, I respectfully request the following : 1. That the CFPB investigate the validity of the reported late payments since XX/XX/year>. 

2. That the creditor be required to provide documentation proving that no agreement or accommodation was madeif they can not provide such proof, the late payments must be deleted.

3. That all late payments reported during the relevant period be immediately removed if found to be inconsistent with federal protections.

4. That I be notified in writing of the outcome of this dispute, and provided with an updated copy of my credit report if any changes are made. 

Thank you for your attention to this matter. I am available to provide additional documentation if necessary and appreciate your prompt response. 
Sincerely, 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 2025-09-21 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: CO

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 Experian 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 accounts from XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite having received all required documents, Experian 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-beingXXXX 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in the FTC IDENTITY THEFT REPORT. I am a victim of identity theft. I have multiple inquiries that I DID NOT apply for listed on my credit report. I ask that these inquiries to be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have XXXX copies of the report. I would like these inquiries deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX close accounts are on my report as I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are hard inquiries on my report that I did not authorize to be pulled and reported to all XXXX reporting agency about the problem. Only XXXX of them reported that they see the fraudulent but have not removed tne hard pull inquiries off my report yet but the have not heard anything back from XXXX of them. Please help me because the hard credit pull are hurting my credit and I told them about my credit was hacked.

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 2025-09-21 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: OH

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX XXXX Credit Card account XXXX Acct # XXXX ) reported on my Experian credit file. The account shows a charge-off of {$850.00} written off, yet still reports a {$760.00} balance past due. Additionally, the reporting dates are inconsistent Status updated XX/XX/XXXX, but Balance updated XX/XX/XXXX. 

Under the FCRA, all credit reporting must be accurate, complete, and verifiable. This account contains reporting errors and unverifiable information. I am requesting full validation, including : A copy of the original credit agreement. 
An itemized statement of charges leading to the alleged balance. 
Documentation of the charge-off and explanation of how a balance remains after the write-off. 

If Experian, XXXX, XXXX, and XXXX  XXXX  can not provide full verification, this account must be deleted from my credit report.

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 2025-09-21 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: GA

Complaint narrative:
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank sent an unsolicited PayPal credit card to my old address and then went into my account and changed my address without my authorization.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Draft CFPB Complaint Experian ( Incorrect Address ) Subject : Complaint Against Experian for Inaccurate Address Reporting and Failure to Correct To Whom It May Concern : I am filing a complaint against Experian for continuing to report an incorrect address on my credit file, despite my repeated disputes and requests for correction. 

This inaccurate personal information is damaging to my credit profile, creates confusion for lenders, and exposes me to potential fraud and identity theft risks. I have already provided Experian with proof of my current address, including government-issued identification and utility bills. 

Despite this, Experian has failed to remove or correct the erroneous address information, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and promptly correct or delete inaccurate data. 

Their refusal to update my personal information constitutes negligence and noncompliance with federal law. I am requesting the CFPBs assistance to ensure that Experian : Immediately removes the incorrect address ( es ) from my credit file. 

( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Correctly updates and reflects only my current and verifiable address. 

Provides written confirmation of the corrections made. 

I have attached supporting documentation, including my identification, proof of residence, and prior dispute correspondence with Experian. 

I respectfully request CFPB intervention to hold Experian accountable and compel them to comply with the FCRA. 

Thank you for your assistance.

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 2025-09-21 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.
State: NJ

Complaint narrative:
" XXXX XXXX XXXX account is reported with serious inconsistencies across the XXXX credit bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ). For example, TransUnion and Experian report a high balance of {$12.00}, while Equifax reports {$200.00}. TransUnion lists the opening date as XX/XX/XXXX, while Experian and Equifax show XX/XX/XXXX. TransUnion reports the account closed on XX/XX/XXXX, while Equifax shows activity until XX/XX/XXXX. Payment history also conflicts : TransUnion reflects XXXX, XXXX, and XXXX late payments, while Experian shows all months as 'OK ' and Equifax reports the account as current. Under FCRA XXXX, furnishers must report information that is accurate and not misleading, and under FCRA 1681i , credit reporting agencies must correct or delete information that can not be verified. These inconsistencies are materially misleading and must be corrected or removed. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: 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 complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Late Dates Reported XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXXThese late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit 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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: FL

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute and request verification of the account referenced above, which you have reported to the credit reporting agencies. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), and related case law, I am exercising my right to request validation of this alleged debt. Specifically, I request that you provide : XXXX. The original signed agreement or contract that evidences my obligation for this account. XXXX. Complete account history including all charges, payments, and balances. XXXX. Documentation proving your legal authority to report this account to credit bureaus. Under 15 U.S.C. 1681s-2 ( b ), a furnisher of information to a credit reporting agency must investigate any dispute reported by a consumer. If you can not provide adequate verification of this account, you are legally obligated to : Cease reporting this account to all credit reporting agencies, per 15 U.S.C. 1681i ( a ) ( 5 ). Correct any inaccurate information you have furnished, in accordance with 1681e ( b ) which mandates maximum possible accuracy. Relevant federal cases reinforce these obligations : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Agencies and furnishers must verify disputed accounts and can not rely on unsubstantiated reporting. Dennis v. BEH-1, 482 F. Supp. 2d 1267 ( D. Kan. 2007 ) : Unverified accounts must be removed from credit reports to maintain accuracy. Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) : Creditors must provide verification or cease reporting disputed information. Action Requested : XXXX. Provide full verification and documentation of this account within 30 days. XXXX. If verification can not be provided, permanently remove this account from all credit reporting agencies. XXXX. Confirm in writing the actions taken in response to this dispute. Please be advised that failure to comply with these federal requirements may result in legal action to protect my rights under 15 U.S.C. 1681n & 1681o, which allow for statutory damages, actual damages, and attorneys fees for willful or negligent violations. I expect your written response promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, by virtue of my CPFB complaint, Capital One credited my credit card account ( XXXX ) for {$320.00}, the amount I had been disputing since XXXX, XXXX. The amount represented a charge by XXXX that had occured as a result of XXXX 's deceptive listing on their website. As noted in that complaint, there were two charges that XXXX charged my credit card for, both for {$320.00}. Capital One gave me a credit for XXXX of those charges, but would not credit the same charge after that. Attached as Exhibit 1, is the letter from Capital One informing me of the credit to my card account for {$320.00}. 

What Capital One did not credit me for, are the penalties and interest for those charges. I should not have to pay penalties and interest for a charge that should never have been on my credit card in the first place. Attached please find the following : Exhibit 2 : Capital One credit card statement for XXXX, XXXX Exhibit 3 : Capital One credit card statement for XXXX, XXXX Exhibit 4 : Capital One credit card statement for Februray, XXXX Exhibit 5 : Capital One credit card statement for XXXX, XXXX Exhibit 6 : Capital One credit card statement for XXXX, XXXX Exhibit 7 : Capital One credit card statement for XXXX, XXXX Exhibit 8 : Capital One credit card statement for XXXX, XXXX Exhibit 9 : Capital One credit card statement for XXXX, XXXX Exhibit 10 : Capital One credit card statment for XXXX, XXXX Exhibit 11 : Summary of penalty and interest charges owed me I am owed {$190.00} by Capital One in interest and penalties for the {$320.00} amount that was disputed, that Capital One gave me a credit for. 

I currently have a credit of {$320.00} on my credit card account. With that credit, I am due a check for a total of {$510.00}. I want a check for that amount, mailed to my address on account with Capital One. I also want Capital One to close my account ( XXXX ). 

If this complaint fails to resolve this final issue on this account, I will file a lawsuit against Capital One in Precinct XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX, Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RFNA, LP
State: GA

Complaint narrative:
XXXXXXXX XXXX had my pay check garnished through my employer and per the terms of the court and XXXX website the account was paid and should be closed. I had no control on when the payments started or ended it was court approved. I recently checked my credit report and its on my credit report again and its also reporting as if it was never paid at all and this is incorrect. I would like for them to remove this from my credit report as it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are hard inquiries on my report that I did not authorize to be pulled and reported to all XXXX reporting agency about the problem. Only XXXX of them reported that they see the fraudulent but have not removed tne hard pull inquiries off my report yet but the have not heard anything back from XXXX of them. Please help me because the hard credit pull are hurting my credit and I told them about my credit was hacked.

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 2025-09-21 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: DISCOVER BANK
State: TN

Complaint narrative:
CFPB Complaint Draft Company : Discover Financial Services Account Type : Credit Card Issue : Billing dispute / Refund not processed Complaint : I am disputing charges totaling {$12000.00} on my Discover Card account ( last XXXX digits : XXXX XXXX 

On XX/XX/XXXX, after filing multiple disputes, I contacted the merchant directly. 

I informed the merchant that I had not authorized these charges and that the one service I did pay for was not delivered. 

The merchant confirmed in writing that I qualified for a full refund under their refund policy. 

I submitted documentation of the merchants promise to Discover, along with Discover chat transcripts confirming I should have received a full refund. 

Despite this, as of XX/XX/XXXX, no refund has been issued. 

Discover continues to report the unpaid {$12000.00} to the credit bureaus, which is negatively affecting both my credit report and my husbands. 

Resolution Requested : Full removal of the {$12000.00} disputed charges.

Immediate correction of all negative credit reporting.

Written confirmation from Discover that my account has been updated and the refund applied.

I have supporting documentation, including : The merchants written refund confirmation.

Discover chat records. 

Account statements showing the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I opened a Barclay XXXX XXXX credit card with offer spending {$2500.00} and earning XXXX points. 

I already spent {$2500.00} and the system shows I already got XXXX points. 

But when I login in my XXXX account I only see there is XXXX bonus points. The Barclays customer support doesn't have enough knowledge to solve the issue.

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