vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
I am filing this complaint because Experian is reporting information that I believe to be inaccurate, outdated, or not properly verified. My previous disputes have not been resolved. 
Charged-Off I am disputing the accuracy and completeness of the following accounts and public record : Bankruptcy Ref : XXXX Date : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} There appear to be inconsistencies in dates, reporting, and verification. I am requesting proper documentation and correction where necessary. 

XXXX. Late Payments ( Inaccurate / Unverified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis late payment does not reflect my records and appears to be inaccurately reported. 

REQUEST : I request that the CFPB require Experian to reinvestigate and remove any information that can not be verified with actual supporting documentation.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlas Services, Inc.
State: CT

Complaint narrative:
i have received repeat phones from phone # XXXX telling me that they have legal documents to serve me and that they haven't been able to do it. 
they said they have tried to send me documents. 
they said they suing me for debt from XXXX from XXXX and i do not recognize the last XXXX digits of the card. 
they provided me the address they have on file but i have never received any documents or paperwork requesting payment of the debt the company name they have provided me are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the names provided were XXXX XXXX and XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
Attached to this complaint is a letter from the Social Security Administration for verification of my Social Security Number which is 497-59-9577. I want Chex Systems to immediately delete and remove the following Social Security Number ending in XXXX from my XXXX XXXX XXXXXXXX Report XXXX of XXXX and XXXX. The Social Number Ending in XXXX doesnt belong to me. The letter from the Social Security Administration attached to this complaint is verification of my correct social security number and the social security number that has been assigned to me.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and Experian and Equifax are reporting multiple fraudulent accounts, unauthorized inquiries, and incorrect personal information on my credit report. I submitted a formal FCRA 605B Identity Theft Block Request, but these items have not been blocked or removed as required by law.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are legally required to block identity-theftrelated information within four ( 4 ) business days once the consumer provides proper documentation. I have submitted my proof of identity theft, but the disputed information continues to appear. 

Incorrect Personal Information My credit file contains incorrect personal information that does not belong to me : Incorrect Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Employer : XXXX Auto Detailing Incorrect Employer : XXXX This personal information is not associated with me and is a direct result of identity theft and/or mixed files. 

Fraudulent Accounts to Block The following accounts are not mine, were never authorized by me, and must be blocked immediately under XXXX XXXX XXXX XXXX  XX/XX/XXXX {$820.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$6700.00} * * XXXX XXXX XX/XX/XXXX {$130.00} * * I did not open these accounts, authorize them, or have any financial relationship with these furnishers. They were created as a result of identity theft. 

Unauthorized Hard Inquiry The following inquiry was made without my knowledge or consent : XXXX XX/XX/XXXX I never authorized this credit pull, and the reporting agency has not provided any XXXX signed documentation proving I permitted this inquiry. 

Failure to Comply with FCRA 605B Despite providing identity theft documentation, the bureaus have failed to : block fraudulent accounts within 4 business days remove unauthorized inquiries delete incorrect personal information prevent further harm to my credit file These failures violate federal law and have caused significant damage, including lowered credit scores and difficulty obtaining housing, transportation, and financial services. 

I am requesting CFPB assistance to ensure that Experian and Equifax comply with their legal obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/25 someone accessed my Chime account ( unauthorized ), and changed the email address and phone number associated with my account. They then took a {$500.00} advance from my next paycheck that was scheduled to be direct deposited within a few days, and transferred funds around within my account. Then they wired funds to XXXX, XXXX XXXX using a serviced called XXXX. A total of {$540.00} was fraudulently taken from my account. When I realized all of this, I immediately called Chime. The charges hadn't gone through yet, as they were still pending and so I asked them to stop the charges and reverse them. They refused, stating that they needed the charges to go through before they could investigate and return my funds to me. Now, they have denied my dispute 4 times. I've called the police, they investigated and provided me a report, which I have included in my disputes. Still, Chime is denying, stating that there was no wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My information was breifreach and money was been missing

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 2025-12-02 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: TX

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute inaccurate information on my Experian report. I am a consumer trying to fix my credit, and these errors are affecting my financial stability. Please conduct a full investigation under FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( EX ) I dispute the accuracy of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$170.00} LATE PAYMENTS ( XXXX XXXX XXXXlease verify the accuracy of the reported late payments : 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 2025-12-02 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: FL

Complaint narrative:
I have an XXXX XXXX XXXX XXXX with Synchrony Bank. 
I disputed a purchase for {$31.00} ( XX/XX/year> ) noted on my XX/XX/year> Synchrony Bank statement. The representative I spoke to registered this charge as a dispute and as such noted it in my account. The representative stated that I was to pay a balance of {$290.00} rather than the balance of {$320.00}. I paid that balance. The charge is still in dispute. On my most current statement they added the dispute charge once again onto my balance although it is still in dispute. I spoke to a representative today XX/XX/XXXX. She stated that my payment must include the disputed charge, which is not correct. She advised me that if I did not pay it in full, I would incur a late fee. 
Please note that I always pay all my credit card balances in full. And is such the case with Synchrony XXXX XXXX XXXX. 
When I have disputed charges with other credit card companies, they continue to provide the credit until resolved. 
I wish to file a complaint against this credit card company.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
CFPB Complaint Venmo Payment Dispute Mishandling I made an XXXX purchase using Venmo as my payment method on XX/XX/2025 in the amount of {$95.00}. I was anxiously waiting for the item to arrive. On XX/XX/2025 at approximately XXXX XXXX, I encountered my USPS XXXX and asked if there was a package for me. He confirmed there was no delivery for my address at that time. Later that day, the shipment status showed the package as delivered around XXXX XXXX  but I never received anything. I contacted USPS and obtained documentation confirming that the package tied to the merchant-provided tracking number was delivered to a different address and not my delivery location. This confirmed that I did not receive the item and that the transaction was fraudulent. I initially filed a dispute with XXXX, submitting the USPS letter as proof. Despite the evidence, XXXX denied my claim. On XX/XX/2025, I contacted Venmo by phone to report the issue and open a dispute. I was told that I would be contacted if additional documentation was needed. No one from Venmo reached out, and I was never given the opportunity to submit the proof I already had. Instead, I received a denial email from Venmo on XX/XX/2025 without any request for supporting evidence.. I have since contacted Venmo multiple times to escalate the case and to provide my XXXX documentation showing misdelivery. Despite this clear proof that I was a victim of mail fraud and did not receive the merchandise. I reached out to them again and appealed with my proof and currently waiting to hear back, but I lost trust in Venmo and need your assistance. I am requesting CFPB assistance to require Venmo to properly investigate this transaction, review the evidence, and refund the payment for the undelivered item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: Kriya Capital, LLC
State: OH

Complaint narrative:
I am disputing an XXXX XXXX XXXX XXXX account that is inaccurately being reported on my credit file. This account was opened on XX/XX/XXXX, which is after XXXX XXXX XXXX publicly confirmed a major data breach on XX/XX/XXXX. I was directly identified as a victim of this breach, as confirmed in the class action settlement notice I received from XXXX XXXX XXXX. 
Because my personal data was compromised, this account is not mine and was not authorized by me. 

Credence has failed to provide any validation of this alleged debt, yet they continue to report inconsistent and inaccurate information to the credit bureaus. XXXX shows this as an open account, while XXXX reports it as a collection, and XXXX  shows no record at all. This violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am disputing the following information on my Equifax credit report because it is inaccurate and causing harm. I request a full, fair, and re-investigation. 

CHARGED OFF ACCOUNTS IN DISPUTE AHFC Acct : XXXX * XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX Acct : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$8700.00} INQUIRIES IN DISPUTE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX LATE PAYMENTS IN DISPUTE XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX and XXXX XXXX XXXX are reporting a collection tradeline on my credit reports for an account that is legally classified as medical debt. The balance reported is {$1200.00}, from a CareCredit / Medi-Cash card originally issued by Synchrony Bank and used exclusively for XXXX XXXX. 

On XX/XX/year>, the Consumer Financial Protection Bureau finalized a rule that bans medical debt from credit reports. This rule applies to all consumers in the United States and prohibits lenders, collectors, furnishers, and credit reporting agencies from reporting or using any medical debt information when making lending decisions. 

Despite this law, XXXX is still reporting this account as a collection tradeline, harming my credit and violating the CFPBs new rule. 

I have disputed this account multiple times with both the credit bureaus and the furnisher. The collector even acknowledged the account is a CareCredit/Medi-Cash account used for medical treatment, which means the debt qualifies as medical in nature. Under the XXXX XX/XX/year> rule, it can not be reported. 

I am requesting the CFPBs assistance to : XXXX. Remove this medical debt tradeline from all my credit reports immediately. 
XXXX. Ensure XXXX XXXX and XXXX XXXX XXXX cease reporting this account now and in the future. 
XXXX. Require the company to provide written confirmation that the account will no longer be furnished to credit bureaus. 

This illegal reporting has caused significant and ongoing consumer harm, including denial of credit, higher interest rates, and emotional distress. 

I am attaching supporting documents, including the companys response letter and billing statements, which clearly show this account is CareCredit medical financing, covered under the medical-debt reporting ban.

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 2025-12-02 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-12-02 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: TX

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to correct inaccuracies on my credit report. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). The information listed below is either outdated, inaccurate, incomplete, or does not belong to me. Please update and correct my file accordingly. 

Charged-Off / Negative Accounts in Dispute ACCOUNT NAME ACCOUNT NUMBER DATE OPENED BALANCE XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX 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 Late Payments in Dispute 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
To Whom It May Concern, Consumer Financial Protection Bureau ( CFPB ) I am submitting this complaint because multiple XXXX XXXX XXXX XXXX accounts are being inaccurately reported with late payments on my credit reports. I am requesting a full investigation and immediate correction. I have never been late on these accounts, and the information being furnished violates the FCRA XXXX ( A ), XXXX ( B ), XXXX, and Fair Credit Reporting Accuracy Requirements. 
The accounts in question : XXXX XXXX Acct : XXXX | High Balance : {$5500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$4500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$6000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$11000.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting XXXX XXXX Acct : XXXX | High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Wrong Late Payment Reporting These accounts are reporting late payments that are factually incorrect, and the furnisher has failed to provide any proof or documentation verifying these alleged delinquencies. I never missed or failed to make any payments, and therefore these negative marks are causing significant harm to my creditworthiness. 
I am requesting the CFPB to : XXXX. Investigate the furnishers inaccurate reporting XXXX. Require the furnisher to provide complete payment history documentation XXXX. Correct all late payment inaccuracies immediately XXXX. Ensure compliance with FCRA accuracy and reinvestigation requirements Thank you for your assistance. I am requesting a prompt resolution as these errors are causing ongoing financial damage.

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