vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Report Date : XX/XX/XXXX Bureaus Affected : Equifax, XXXX, TransUnion Category : Credit reporting Incorrect information on your credit report : I am filing a formal complaint against the credit reporting agencies Equifax, XXXX, and TransUnion for reporting multiple fraudulent and inaccurate accounts on my credit file. These accounts are either not mine, incorrectly linked to my identity, or unverifiable under FCRA and Metro 2 standards.

I have submitted disputes to each bureau with supporting ID, but these accounts have not been removed or validated within the required time under FCRA 1681i. I am now escalating due to failure to verify, data mismatching, and improper handling of my personal information. 
List of Disputed Accounts : Regional Finance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain either unauthorized tradelines, identity mismatches, or unverifiable debt. I never authorized them, and the bureaus have not produced documentation such as a signed application or contract. 

I am attaching my dispute letters, ID, and proof of address, FTC affidavit as part of this complaint. I ask that the CFPB escalate this case and ensure these items are permanently removed from my credit reports. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: VA

Complaint narrative:
Im submitting this complaint due to how Discover handled my repeated attempts to seek help while I was experiencing financial and emotional abuse. 

I opened this credit card independently. Later, under pressure from a partner, I was pushed to increase the credit limit, and the card was used in ways that were not for my benefit. Despite the circumstances, Ive been working to take full responsibility for the debt because I want to move forward. 

Ive contacted Discover multiple times to explain my situation and ask for assistance. I clearly stated that Im experiencing financial hardship as a result of abuse and asked to be connected with someone trained to handle these cases. I was met with cold, dismissive responses and was not provided with the full list of available options. Later, a representative acknowledged that other payment plans existed, but only after I pressed the issue again.

I want to be very clear : I am not asking for this debt to be removed. I am not refusing to pay. I am asking for help navigating this in a way that acknowledges the trauma Ive experienced, and supports my effort to pay it back safely and sustainably. The way I was treated has only worsened my fear and stress. 

I am doing everything I can to repay this debt. All I asked for was compassion and honest help. I shouldnt have to file a complaint just to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Title : Fifth Third Bank Closed My Loan Account After Payoff With No Receipt or Online Access Complaint Description : On XX/XX/25, I paid off my auto loan with Fifth Third Bank in XXXX amount of over {$15000.00}. The loan was paid via a direct payoff transaction. Following the payment, my account was closed immediately without warning, and I was locked out of online access to my account, loan documents, payment history, or any record of the transaction. 

I never received an email receipt or confirmation of the payoff, nor was I provided any documentation verifying that the loan had been paid in full. When I contacted customer service, I was told they could not email or provide any digital documentation. I was informed that my only option was to request a mailed copy of my payment history, which would take 7+ business days to even begin processing.

This is unacceptable. For a large financial institution, refusing to provide electronic confirmation or access to a customers own financial records after a {$15000.00} transaction is unprofessional and concerning. I have no way to verify or document the payoff without jumping through unnecessary hoops and waiting over a weekdespite being the account holder. 

Desired Resolution : I am requesting an emailed digital receipt confirming the date, amount, and successful payoff of the auto loan. 
I am requesting a complete PDF copy of my loan payment history, sent digitally to my email.

I am requesting temporary view-only access to the closed account through Fifth Thirds online banking system so I can download all necessary documents for my records.

This experience has been frustrating and has made me lose confidence in Fifth Third Banks customer service and digital capabilities. I should not have to file formal complaints just to obtain my own payment documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
I opened a checking account with Netspend on XX/XX/year> in order to participate in a {$200.00} sign up bonus that I saw on social media. I completed all of the requirements, including setting up a recurring direct deposit of at least {$400.00} within 60 days my direct deposit of {$450.00} appeared in my account in XX/XX/year> ( see attached Screenshot 1 ). The terms state that the bonus would be paid to my account within 5 business days ( see attached Screenshot 2 ). However, as of XX/XX/year> ( i.e. 7 business days ), the bonus has not been paid ( see account balance in Screenshot 1 ). 

I reached out to their customer service via secure message and asked when the bonus would be paid to my account. However, they responded with a generic message without answering my question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- -DEPTEDXXXX XXXX XXXX {$2400.00} DEPTEDXXXX XXXX XXXX {$4200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported to be removed/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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have Synchrony credit that just closed because I my not pay them. 
XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5200.00}, Just Opened XXXX Or XX/XX/year> Care Credit {$3300.00} Needed XXXX XXXX 
Pay Pal Credit {$430.00} Just Opened XXXX Pay Pal XXXX {$310.00}. Cash Back In Amount {$59.00}, Can not Redeem Cash, or Pay Down Card.Opened XX/XX/year>. 
HSN Credit Card. 
This has hurt my Credit Scores, Also worried about closing other companies Credit Cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was in the XXXX XXXX  data breach and there are some things I dont recognize XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was the victim of a sophisticated fake job scam that involved XXXX transfers through my Citibank account totaling {$3500.00}. The scammers posed as a legitimate employer, conducted what appeared to be a real hiring process, sent me fake checks, and instructed me to use XXXX to purchase remote office equipment from vendors they claimed were part of the onboarding process. 

I later learned the checks were fraudulent, and the job was fake. The scammers deceived me into using XXXX to send my personal funds. I filed a fraud dispute with Citibank, but it was denied on the basis that the transactions were authorized. While I technically sent the money, I was doing so under false pretenses and manipulation. 

I am now appealing Citibanks decision. This scam is a documented type of fraud acknowledged by the FTC, FBI, and XXXX itself. I have reported the incident to the FTC, IC3, and local police. I acted in good faith and believe I should not be financially responsible for being deceived in this way. 

I respectfully request that Citibank re-evaluate this matter and issue a refund or provide alternative compensation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
Im sending this to all the credit bureau stuff keep popping up on my report thats fraudulent and that is not me I need real protection this is messing my life up financially and this is against the consumer law and I am submitting this formal statement to file a complaint and request immediate intervention regarding two accounts that are currently damaging my consumer credit profile. 

XXXX Account ( Account Number : XXXX ) : This account is closed and should no longer be reporting on my credit file. Its continued presence is misleading, derogatory, and a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which mandates accurate and complete information from data furnishers. I am demanding this account be removed from all three major credit bureaus Equifax, Experian, and XXXXXXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : This collection account was created and reported without my knowledge, consent, or authorization. XXXX XXXX XXXX XXXX began reporting a collection related to XXXX XXXX without validating the debt or notifying me. I only found out about it once it appeared on my credit report. This is a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which require proper validation and communication before reporting. 

I am requesting that the Consumer Financial Protection Bureau urgently investigate these accounts and require XXXX XXXX XXXX XXXX  XXXX XXXX to cease and desist from any further reporting or collection activity. These accounts are inaccurate, unfair, and have caused significant hardship for me and my family in seeking credit, housing, and transportation. 

Please accept this as my official personal statement and complaint. I respectfully request the deletion of both accounts and enforcement of my rights under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 am filing this complaint because Equifax and Experian are reporting different and conflicting information regarding a XXXX XXXX  account, despite my multiple disputes requesting correction under the Fair Credit Reporting Act ( FCRA ). 

Specifically, the Last Payment Date and payment history details being reported by Equifax do not match what is reported by Experian. These discrepancies have remained uncorrected despite multiple formal disputes and requests for reinvestigation. 

This constitutes a direct violation of the FCRA, which requires that all information furnished to consumer reporting agencies be complete and accurate : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) When a consumer disputes the completeness or accuracy of any item, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A furnisher shall not furnish any information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax and Experian are both reporting this account, but with different last payment dates and inconsistent payment history profiles, which is clear evidence the data is not maximum possible accuracy as required by 1681e ( b ). It also suggests the furnishers and the CRAs are failing to meet their duty to ensure consistency and accuracy in the data being reported across agencies. 

I have provided documentation showing the differences in reporting. These discrepancies have gone unresolved despite my repeated disputes, indicating non-compliance with FCRA obligations by both the credit bureaus and the data furnisher ( XXXX XXXX ). 

I am requesting that the CFPB investigate this matter immediately, require that Equifax and Experian reinvestigate and correct or delete the inaccurate information, and hold the responsible parties accountable for failing to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because Equifax and Experian are reporting different and conflicting information regarding a XXXX XXXX  account, despite my multiple disputes requesting correction under the Fair Credit Reporting Act ( FCRA ). 

Specifically, the Last Payment Date and payment history details being reported by Equifax do not match what is reported by Experian. These discrepancies have remained uncorrected despite multiple formal disputes and requests for reinvestigation. 

This constitutes a direct violation of the FCRA, which requires that all information furnished to consumer reporting agencies be complete and accurate : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) When a consumer disputes the completeness or accuracy of any item, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) A furnisher shall not furnish any information relating to a consumer if the furnisher knows or has reasonable cause to believe the information is inaccurate.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Equifax and Experian are both reporting this account, but with different last payment dates and inconsistent payment history profiles, which is clear evidence the data is not maximum possible accuracy as required by 1681e ( b ). It also suggests the furnishers and the CRAs are failing to meet their duty to ensure consistency and accuracy in the data being reported across agencies. 

I have provided documentation showing the differences in reporting. These discrepancies have gone unresolved despite my repeated disputes, indicating non-compliance with FCRA obligations by both the credit bureaus and the data furnisher ( XXXX XXXX ). 

I am requesting that the CFPB investigate this matter immediately, require that Equifax and Experian reinvestigate and correct or delete the inaccurate information, and hold the responsible parties accountable for failing to comply with the FCRA.

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