vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc.
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I made several international wire transfers through Plastiq totaling {$99000.00}. Each transaction shows the status P_DISBURSEMENT_FAILED, meaning the funds were never delivered to the recipient. 
I first contacted Plastiq on XX/XX/year>, through their online support portal and by email ( XXXXplastiq.com and XXXX@plastiq.com ). I followed up multiple times afterward but received no response from their support or compliance departments. 
No funds were delivered, and no refund has been issued. I am requesting that Plastiq issue a full refund for these failed transactions and confirm that the funds have been returned to my payment cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
I am disputing the following charged-off accounts that have been inaccurately reported on my Equifax credit report. These accounts do not accurately reflect my current financial situation or payment history. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I believe this account was reported as charged-off in error and request it be reviewed and corrected. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account should not be listed as charged off, as no payment history supports this status. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} I am requesting a thorough review of this account, as I do not believe it accurately reflects my payment history. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Please verify the status of this account, as it has been incorrectly reported as charged off. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This accounts status does not align with my payment records, and I dispute this reporting. 

Inquiries No additional inquiries were reported under Equifax that require dispute. 

Late Payments XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX These accounts reflect inaccurate late payments. I request a full investigation into these entries, as they may not reflect my actual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
Dear Sir/Madam, I am a consumer currently working on improving my credit report and am disputing the following items. I believe these items are inaccurately reported, and I request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 submitting this complaint to dispute inaccurate information reported on my credit reports with the major credit bureaus. Below are the details of the accounts in dispute, separated by each bureau. I respectfully request that an investigation be conducted, and any inaccuracies be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Inquiries : XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : 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
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These accounts are either inaccurately reported, out of date, or incomplete based on the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries found for TU. 

Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Accounts have been coming back verified with proof of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing to dispute charges being assessed for the apartment I previously rented at. 

I paid the full amount of rent owed through the end of my lease term. Before the deadline date, I vacated the apartment and left the keys on the kitchen counter, as instructed directly by the landlord. The landlord personally saw me leave the apartment, and I complied fully with all move-out instructions. 

Since all rent and fees were paid in full and the keys were returned as directed, I believe any additional charges being applied are incorrect and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
per complaint XXXX On XX/XX/year>, I downloaded my official TransUnion consumer disclosure directly from the TransUnion Online Service Center ( see attached PDF ). The report clearly lists two collection accounts reported by XXXX XXXX XXXX XXXX as a debt buyer for XXXX XXXX XXXX XXXX, with balances of {$10000.00} and {$580.00}, both marked Placed for Collection. This document is proof that XXXX  published and furnished these tradelines under my name. 

However, when I contacted XXXX Fraud Department by phone on XX/XX/XXXX and XXXX, the representative claimed she did not see these accounts in her system. This is a serious discrepancy because the data was active on my file, caused a significant credit-score drop, and was available to third parties.

This inconsistency shows that TransUnion is not maintaining accurate and complete consumer data, in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( B ). The attached PDF is an official consumer disclosure not a third-party app screenshot and therefore serves as verifiable evidence that these fraudulent or recycled debts were published and verified without proper investigation.

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 2025-11-11 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: MN

Complaint narrative:
XXXX HAS COMPLETELY DESTROYED MY CREDIT RATING BY IMPROPER REPORTING OF MY PAYMENT HISTORY. MY DISPUTE TO THEM IS AS FOLLOWS : At this time, I dispute the delinquent payments reported on my credit bureaus by this company. The payment history is not accurate, as I could never have been XXXX late twice without ever being XXXX late XXXX. I respectfully request a complete review of my payment history and the deletion of all delinquent payments altogether. I have always made my monthly payments within the XXXX grace period. PLEASE DELETE AFTER REVIEW ALL LATE PAYMENT HISTORY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding Synchrony Bank / PayPal Credit and their ongoing failure to accurately report and correct disputed account information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and Regulation V ( 12 C.F.R. 1022.43 ). 

On XX/XX/XXXX, Synchrony denied my fraud dispute concerning a {$4700.00} transaction dated XX/XX/XXXX at XXXX, claiming the purchase was authorized and that I benefited from it. I subsequently requested verification and supporting documentation through correspondence dated XX/XX/XXXX, but Synchrony has failed to provide any evidence demonstrating that I authorized or received the goods in question. 

Despite the absence of proof of authorization or delivery, Synchrony continues to report the account as delinquent and charged-off to major credit bureaus, damaging my credit standing and violating their duty to furnish only accurate, verifiable information. 

Under FCRA 623 ( b ), furnishers must : 1. Conduct a reasonable reinvestigation of disputed information, 2. Review all relevant evidence provided by the consumer, and 3. Correct or delete any inaccurate or unverifiable data.

Synchrony has failed to meet these obligations. The company has not produced : Any signed purchase authorization, Any order or delivery record linking me to the transaction, or Any investigation documentation explaining how it concluded the charge was valid.

This conduct constitutes willful noncompliance with the FCRA. I am requesting that the CFPB : Require Synchrony to provide documentary evidence substantiating authorization and delivery ; Direct Synchrony to correct or delete the inaccurate trade line from all credit reports ; and Confirm that no further negative reporting or collection efforts occur until verification is produced. 

I have retained all correspondence, denial letters, and fraud-dispute records for review.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting an auto loan account ( # XXXX ) as a charge-off / repossession with a {$10000.00} deficiency balance, but has failed to validate or correct inaccurate information after multiple certified disputes. 

I mailed XXXX XXXX written disputes via certified mail the first on XX/XX/XXXX, and a final demand on XX/XX/XXXX under my rights in the Fair Credit Reporting Act ( FCRA 623 ) and Uniform Commercial Code ( UCC Article 9 ). XXXX never responded, violating FCRA 623 ( a ) ( 2 ) ( failure to investigate after notice ). 

Despite this, XXXX continues to report conflicting and unverifiable information to all three credit bureaus : Conflicting Balances : {$9700.00} vs. {$10000.00} Conflicting High Balances : {$9700.00} vs. {$11000.00} Different Last Activity Dates : XX/XX/XXXX vs. XX/XX/XXXX Different Remarks : Charged Off, Unpaid Balance Reported as a Loss, and Repossession Additionally, XXXX has not provided any proof of repossession compliance, such as pre-sale or post-sale notices, auction results, or deficiency calculations as required by UCC 9-614 and 9-616.

If proper repossession notices and a commercially reasonable sale were not conducted, the deficiency balance they are reporting is legally unenforceable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting an auto loan account ( # XXXX ) as a charge-off / repossession with a {$10000.00} deficiency balance, but has failed to validate or correct inaccurate information after multiple certified disputes. 

I mailed XXXX two written disputes via certified mail the first on XX/XX/XXXX, and a final demand on XX/XX/XXXX under my rights in the Fair Credit Reporting Act ( FCRA 623 ) and Uniform Commercial Code ( UCC Article 9 ). 
XXXX never responded, violating FCRA 623 ( a ) ( 2 ) ( failure to investigate after notice ). 

Despite this, XXXX continues to report conflicting and unverifiable information to all three credit bureaus : Conflicting Balances : {$9700.00} vs. {$10000.00} Conflicting High Balances : {$9700.00} vs. {$11000.00} Different Last Activity Dates : XX/XX/XXXX vs. XX/XX/XXXX Different Remarks : Charged Off, Unpaid Balance Reported as a Loss, and Repossession Additionally, XXXX has not provided any proof of repossession compliance, such as pre-sale or post-sale notices, auction results, or deficiency calculations as required by UCC 9-614 and 9-616.

If proper repossession notices and a commercially reasonable sale were not conducted, the deficiency balance they are reporting is legally unenforceable.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX  ) is reporting an auto loan account ( # XXXX ) as a charge-off / repossession with a {$10000.00} deficiency balance, but has failed to validate or correct inaccurate information after multiple certified disputes. 

I mailed XXXX XXXX written disputes via certified mail the first on XX/XX/XXXX, and a final demand on XX/XX/XXXX under my rights in the Fair Credit Reporting Act ( FCRA 623 ) and Uniform Commercial Code ( UCC Article 9 ). 
XXXX never responded, violating FCRA 623 ( a ) ( 2 ) ( failure to investigate after notice ). 

Despite this, XXXX continues to report conflicting and unverifiable information to all three credit bureaus : Conflicting Balances : {$9700.00} vs. {$10000.00} Conflicting High Balances : {$9700.00} vs. {$11000.00} Different Last Activity Dates : XX/XX/XXXX vs. XX/XX/XXXX Different Remarks : Charged Off, Unpaid Balance Reported as a Loss, and Repossession Additionally, XXXX has not provided any proof of repossession compliance, such as pre-sale or post-sale notices, auction results, or deficiency calculations as required by UCC 9-614 and 9-616.

If proper repossession notices and a commercially reasonable sale were not conducted, the deficiency balance they are reporting is legally unenforceable.

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 2025-11-11 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: CA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX, through its authorized representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, against WELLS FARGO BANK NA CARD for violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXX XXXX notified WELLS FARGO BANK NA CARD that he is a victim of identity theft and that a fraudulent credit account had been opened in his name without authorization. His submission included all required documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), including his government-issued identification, proof of address, and an FTC Identity Theft Report. Despite receiving a complete and valid identity theft notice, WELLS FARGO BANK NA CARD has failed to block or delete the fraudulent account, has not issued written confirmation of such action, and continues to furnish inaccurate and harmful information to consumer reporting agencies.

These failures constitute clear violations of FCRA 605B and 623 ( a ) ( 6 ) and demonstrate a willful disregard for the consumers federal rights. As a result, XXXX XXXX continues to suffer ongoing credit harm, reputational damage, and emotional distress. Supporting evidence includes the original FCRA identity theft letter, FTC Identity Theft Report, and the signed authorization agreement dated XX/XX/year>, granting XXXX XXXX XXXX, XXXX authority to act on XXXX XXXX behalf. 

We request that the Consumer Financial Protection Bureau compel WELLS FARGO BANK NA CARD to immediately and permanently delete the fraudulent account, provide written confirmation of its removal, notify all credit reporting agencies to delete any related tradelines, and investigate the companys noncompliance with FCRA obligations. WELLS FARGO BANK NA CARD s inaction reflects a systemic disregard for consumer protection laws and requires prompt regulatory enforcement. WFBNA CARD 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 2025-11-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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