vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint Against Wells Fargo for Discriminatory Treatment and Poor Customer Service Dear CFPB Representative, I am writing to file a formal complaint against Wells Fargo Bank , N.A . regarding discriminatory treatment, poor customer service, and emotional distress I experienced at XXXX of their Texas branch locations on XX/XX/year>. 

Incident Summary : On XX/XX/year>, I visited a Wells Fargo branch in Texas ( exact location can be provided ) to request a cashiers check for {$1900.00}. Earlier that same day, I mistakenly transferred {$2000.00} from my Wells Fargo account to my XXXX bank account instead of the intended deposit to Wells Fargo, leaving my Wells Fargo checking account with a negative balance. I immediately called Wells Fargo customer service and was informed that the funds would bounce back in a few business days, and my balance would return to normal. 

Despite having sufficient funds in my Wells Fargo savings account to cover the cashiers check, the banker at the branch refused to process my request, citing the negative checking account balance. I explained the situation clearly and even offered to re-transfer the {$2000.00} from my XXXX bank account to correct the error and make the account current. Despite my efforts, the banker treated me with hostility, went to the back of the branch to discuss my situation with coworkers, and made me feel humiliated and discriminated against. 

Eventually, the banker did provide the cashiers check, but only after causing me significant emotional distress and treating me in a manner that I believe was discriminatory. The lack of empathy, understanding, and proper communication from the branch staff compounded my distress during a very challenging time, as I was moving into a new apartment that day without family support nearby. 

Impact : I experienced significant emotional distress and humiliation. 
I was treated in a discriminatory and dismissive manner. 
The lack of proper documentation of my initial customer service call by Wells Fargo led to confusion and inconsistent treatment at the branch.

Resolution Sought : A formal apology from Wells Fargo for the discriminatory treatment I received. 
Compensation for the emotional distress and hardship I experienced as a result of this incident. 
A review by the CFPB to ensure XXXX XXXX compliance with fair banking practices, including the proper documentation of customer interactions and the respectful treatment of all customers. 

I appreciate your assistance in investigating this matter and ensuring that financial institutions like Wells Fargo are held accountable for providing fair, respectful, and non-discriminatory service to all customers. 

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 explanation
Consumer complaint received 2025-06-10 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: American First Finance, Inc.
State: NE

Complaint narrative:
American First finance XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/year>XXXX  High balance : {$700.00} Original charge off : {$460.00} I did not open or authorize this American First Finance account, which shows as an unsecured loan with a high balance of {$700.00} and a charge-off of {$460.00}. This is a clear case of identity theft and fraudulent activity. I demand the immediate removal of this account from my credit report and that all associated negative impacts be corrected. I also expect a full investigation into the fraudulent activity and that those responsible be held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am requesting a formal review and deletion of the reported late payment, as it is not an accurate reflection of my payment record. I have always paid this account as agreed, and the inclusion of this derogatory mark is unjust and misleading. I urge you to update the report to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MI

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
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against XXXX XXXX XXXX for their continued failure to address this matter appropriately. 

Account in Question : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with XXXX XXXX XXXX, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I opened up a Care Credit account and was unaware of there being a promotional period to the account in regards to the interest. I was under the assumption that as long as I paid on time every month there would not be an interest fee to the account. 

I was not disclosed this information properly when I opened the account and I also did not receive notification about the promotion ending before my account balance doubled because of their insane interest fees. I did not receive a phone call or a proper email regarding the changes and promotion period ending. It would have taken just a moment for the bank to notify me of the changes but they chose not to. If they had taken the time to contact me about my account changes I would have paid it off in full before the promotion period ended. In my opinion this is predatory behavior by Synchrony Bank. 

I called them today XX/XX/year> to try and discuss the issue because I had just noticed it when I went to foolishly use their credit card again on vet services for my dog. I had not realized my account balance had grown out of hand because it should have been paid off already with the payments I was making. I was making 3x the required monthly payment on time every month and they still decided to treat me very poorly.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account open on XXXX XXXX {$3500.00} and Account open on XX/XX/year>XXXX  {$11000.00}. I have disputed these two counts with Experian and Equifax, they are reporting in accurate dates and amount. I have asked them on numerous occasions to update the account and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I have never used any other names other than than XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX My address has always been either XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX or XXXX XXXX XXXX XXXX NY XXXX My phone number is has always been been XXXX and XXXX also my debit is not XXXX or XXXX incorrect and in accurate information on 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 2025-06-10 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: NJ

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-10 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: NJ

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-06-10 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: CA

Complaint narrative:
I am writing to formally file a complaint against the credit reporting bureaus ( XXXX Equifax, and XXXX ) for failing to properly investigate fraudulent accounts and inquiries listed on my credit report. I am a victim of identity theft, and I have already reported this to the bureaus, as well as submitted the appropriate documentation including an FTC Identity Theft Report. 

Fraudulent information reported : XXXX XXXX Account # : XXXX * * * * Account Type : Revolving Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Open Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$700.00} XXXX XXXX : {$500.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Despite my efforts, these bureaus have failed to conduct a reasonable and thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605 ( b ), these bureaus are obligated to block fraudulent information on my credit report upon notification, and their failure to comply with this requirement is a clear violation of my rights. 
Here are the relevant details for my case : Identity Theft Statement : I am a victim of a data breach and identity theft, and I have provided the bureaus with my FTC Identity Theft Report for validation. 
Accounts in Question : Several fraudulent accounts have appeared on my credit report, and I have requested these be blocked per the FCRA. Despite this request, the accounts remain unresolved, and the investigation process has not been properly executed. 
Violation of FCRA : Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have requested that these fraudulent accounts be blocked and permanently removed from my credit file. However, the bureaus have failed to act in a timely manner or provide proper resolution. 
This ongoing failure to investigate the fraudulent activity not only violates my consumer rights but also damages my ability to secure proper credit and financial stability. 
I request your assistance in the following : XXXX. Investigating the actions ( or lack thereof ) of XXXX Equifax, and XXXX in this matter and ensuring that they are held accountable for not complying with the FCRA requirements. 
XXXX. Facilitating the proper blocking and permanent removal of these fraudulent accounts from my credit report. 
XXXX. Ensuring that this issue is rectified as soon as possible and that I receive written confirmation of the actions taken. 
Attached are copies of my FTC Identity Theft Report and other relevant documents for your review. Thank you for your attention to this serious matter. I look forward to your assistance in resolving this issue promptly. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report and to notify you that this account does not belong to me. Pursuant to XXXX XXXX XXXX XXXX, I am requesting that this fraudulent or unauthorized information be blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
According to law 15 USC 1681, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus, and it's coming back as verified with a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of debt, the original contract bearing my signature, and an explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: TX

Complaint narrative:
See attachments please read all documents and communication to and from Experian. I mailed in documents several times to Let Experian know about the accounts I have XXXX XXXX numbers. I called and disputed these accounts also verbally confirmation # XXXX. I was issued a report number XXXX and was told that I need to submit a police report but under FEDERAL LAW A POLICE REPORT IS NOT REQUIRED. Please see attachments.

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 2025-06-10 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: TX

Complaint narrative:
My account with XXXX  / XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX  / XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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