vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX and their continued attempts to collect and potentially report an alleged debt that has not been properly verified. 



After disputing the alleged account, XXXX XXXX XXXX claimed to have provided verification and stated that collection activity could resume. However, the materials provided do not meet the verification requirements under the Fair Debt Collection Practices Act ( FDCPA ). 



The documents supplied consist of generic CareCredit/Synchrony Bank cardmember agreements, billing statement excerpts, and promotional purchase summaries. These documents do not establish that XXXX XXXX XXXX has legal standing to collect this debt, nor do they prove that I agreed to the alleged obligation. 



Specifically, XXXX XXXX XXXX failed to provide : A complete chain of title or assignment showing lawful ownership of the account A copy of any agreement bearing my signature An itemized accounting showing how the alleged balance was calculated Proof that XXXX XXXX XXXX is legally authorized to collect this debt from me Despite the lack of proper verification, XXXX XXXX XXXX stated that collection efforts may resume. This is a violation of 15 U.S.C. 1692g ( b ), which requires collection activity to cease until proper verification is provided. 



Additionally, if this account is being reported to any consumer reporting agency, such reporting is inaccurate and unverified, constituting a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

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 XXXX 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 explanation
Consumer complaint received 2025-12-16 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: Netspend Corporation
State: KS

Complaint narrative:
So on XX/XX/XXXX, I had to call Netspend and inform them that I thought my account had been compromised I spoke with a representative that said in order for me to do anything they would have to verify my identity and address I sent a picture of the front and back of my identification also a health coverage paper that I got from a better. I was told to call back within XXXX hours. I had to wait till the next day because customer service was closed by the time. The XXXX hours was that. 
After several calls they finally told me that it was approved and then I could update my email and phone number. And this is when they confirm, indeed my account have been compromise. So I asked them. How would I find out which one of my usernames whats for this account and they said the best way to figure that out would be to go to login and press forgot password and that you also have the option to do for XXXX username and you just fill it out and they would send you every single username you got with them upon checking my email to see if the link was coming to see all of my usernames. I happen to see the email from when the fraud department verified mind in any so I clicked on it and it had their email my email but in the CC they had an email that never belong to me. Ive never had. So I immediately called them back and the email that was in the CC was the email that my account got changed to by whoever hacked into it .. so they basically have me sitting in my current valid identity just to turn around and send it back to me and a person that I dont even know that is compromise my account and now my identity when I called Netspend bag they denied it and I told them that I had proof a day later. I got an email saying that my account was closed so then I gave them a call back and they said that they were gon na dispute the {$28.00} that was missing out of my account and that I could not get back into the account nor open up another Netspend. I got proof of all of it and the resistance isnt it Ive been getting so many spam emails and phone calls about loans. Im not applying for just crazy amount of loans below our screenshots from my email and as you can see, it shows that they sent the email to me and another email the XXXX XXXX XXXX or something like that

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
this company has continued to put false information on my credit report and continues to resell this debt and years later it comes up as it is new. XXXX  funding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-16 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: AZ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
In XX/XX/year>, an unauthorized charge was placed on my Wells Fargo XXXX XXXX XXXX for {$740.00} by a third-party travel company ( XXXX XXXX XXXXXXXX XXXX XXXX ). I initiated a purchase on a XXXX party site, but the charge initially declined. The next day, the merchant called me demanding more money because the fare increased. I declined the purchase. Despite declining, the merchant later charged my card without my authorization. 

The tickets they sent were not valid. When I checked with XXXX XXXX XXXX directly, the tickets were not confirmed, not legitimate, and not usable as airline tickets. The merchant also repeatedly contacted me pressuring me to confirm the flights, even though no legitimate tickets were ever issued. I reported the transaction to Wells Fargo within 2 days. 

The merchant emailed me pressuring me not to dispute the charge, writing : Hence, there should be no chargeback. Please reply to this as I agree. I never agreed to anything, and I never received usable airline tickets. 

Despite my timely dispute and clear evidence of unauthorized billing and non-delivery of goods, Wells Fargo sided with the merchant claiming I was bound by a contract, even though I declined the upsell and never received the product I paid for. This contradicts Regulation Z protections for unauthorized use and goods not delivered. 

I am requesting that Wells Fargo properly investigate and credit back the {$740.00} charge, as this was not an authorized purchase and no valid goods or services were received. I am also requesting a review of how my dispute was handled, as Wells Fargo told me to ignore further contact from the merchant but later denied my claim based on the merchants statements. 

I have documentation including : The illegitimate itinerary Merchant emails demanding confirmation for a ticket I never received Proof the airline had no record of tickets The email instructing me to reply I agree My original, timely dispute from XXXX I request that Wells Fargos Executive Office review this under Regulation Z and refund the amount.

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 2025-12-16 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Date : XX/XX/year> National Credit Systems , Inc . 
XXXX Naturally XXXX XXXX XXXX, Ga, XXXX Re : Account Number : XXXX To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the above-referenced account. This correspondence does not constitute an acknowledgment of any debt or obligation. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or contact through third parties. Repeated or abusive communications may constitute harassment under applicable federal or state law and are not permitted.

You may only contact me in writing for one of the following purposes, as permitted by law : 1. To confirm that you will comply with this request ; or 2. To notify me of specific legal action you intend to take, if any.

Any further contact beyond these limited exceptions will be documented and may be considered a violation of federal law.

Please govern yourselves accordingly.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
As a consumer who is very educated on the credit card system and very aware of the credit scores cause and effect. I am having a major problem with the new XXXX credit card produced by Wells Fargo. I was very hesitant to sign up for this card as I know in the past Wells Fargo has been done some sketchy stuff. This is why I AM SO WORRIED. 

The new XXXX card is so that you can make payments including paying your rent with the bank account that they supply you when you open the account. I opened this credit card the end of XX/XX/year>. On XX/XX/XXXX I paid my rent and it was rejected and I was so confused. I called the XXXX team and they said there was a letter in the mail that would tell me exactly why my account was closed. This letter had a tricky way of wording things and made it very hard to understand again why my account was closed. 

After finally getting to someone at Wells Fargo they said there was nothing else they can do for me, oh I could open another account. I had points in this account that have now been taken from me, including third party shopping portal cash back that I should be given back as it wasn't their money in the first place. 

My top concerns are XXXX. I have no exact reason for the closure of the account. The letter stated XXXX reasons it could have been including one that was possible fraudulent payments ( I could not get any further information on this ) XXXX. I gave Wells Fargo the chance even after all the complaints about them selling data of consumers but now I am so stressed out not knowing if something is wrong without having the exact reason. They now have all my personal information, social #, address, and even all my other cards I liked to the account for added benefits. 

I want Wells Fargo to be held accountable. This is completely unaccusable for a credit card company to not be able to give further details about the closer of your account. I hope you can see my concerns and hopefully get in touch with Wells Fargo. I am aware they are starting a new option coming in XXXX were people can even pay their mortgages, this is concerning as I am scared this will get more people to sign up with this card and it seems as though something fishy is happening.

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 2025-12-16 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 dispute any connection to these accounts and request removal within 15 days under federal law.

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 2025-12-16 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: MD

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-12-16 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:
Dear XXXX, I am writing to dispute the following accounts on my credit report, as they contain inaccuracies that require correction. Please investigate the following items and provide an updated report reflecting the accurate information. 

CHARGED OFF ACCOUNTS XXXX XXXX XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$970.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$960.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$760.00} XXXX XXXXXXXX, XX/XX/XXXX, {$5600.00} XXXX, XXXX, XX/XX/XXXX, {$4700.00} XXXX, XXXX, XX/XX/XXXX, {$10000.00} XXXX, XXXX, XX/XX/XXXX, {$15000.00} INQUIRIES XXXX XXXX XXXX, XX/XX/XXXXXXXX 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the reporting of a XXXX XXXX account ( Account XXXX. XXXX, balance owed {$1400.00}, date opened XX/XX/year> for Experian and XX/XX/year> for TransUnion ) which appears on my credit reports from Experian, TransUnion, and Equifax, and contains inaccurate details regarding late payments, charge-off status, balance, and account timeline. Despite reviewing my records, I have noticed inconsistencies that do not reflect the actual history of this account, and the information as reported affects my ability to obtain credit, housing, and fair financial opportunities. I have attempted to dispute the inaccuracies with each bureau individually, referencing my rights under the Fair Credit Reporting Act, including 15 U.S. Code 1666 ( Correction of Billing Errors ), 1666a ( Creditor Restrictions During Dispute ), 1681i ( Dispute Inaccurate Info with Credit Bureaus ), 623 ( a ) ( 2 ) ( Duty to Correct and Update ), and 623 ( b ) ( Furnishers Duty to Investigate ), but the account information remains inconsistent and does not reflect verified, accurate reporting. The late payment indicators, charge-off status, and balance reported are not in alignment with the documented activity and history of the account, creating a materially inaccurate representation of my financial responsibility and history.

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