vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Currently, I have no other recourse but to file an Identity Theft claim. One of my daughters has stolen my personal information and used it to obtain at least XXXX credit cards from at least XXXX financial institutions. XXXX of these accounts was recently sold off to a third-party debt buyer. I am a XXXX retired person that can not take the shame I feel in dealing with such an awful situation. Accordingly, I am filing this identity claim with the Federal Trade Commission, and under my rights from the Fair and Accurate Credit Transaction Act as well as the Fair Debt Collection Practices Act, I hereby make this demand for removal of these collections on my personal credit 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 2025-12-01 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: OH

Complaint narrative:
I am submitting a complaint about inaccurate reporting by XXXX XXXX  on my account ending in XXXX. They are reporting a late payment for XXXX even though the account is paid and reporting as current. 

Under the FCRA 623 ( a ) ( 2 ), furnishers must update and correct information that becomes inaccurate after an account is brought current. If XXXX XXXX  can not fully verify this late payment with documentation, it should be removed.

This inaccurate reporting is causing significant harm to my credit score, and I am requesting a full investigation and correction.

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 2025-12-01 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: TX

Complaint narrative:
Please review the attachments to see my complaint.

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 2025-12-01 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: CA

Complaint narrative:
I demand the removal of all fraudulent XXXX  inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries as required by law. Per FCRA 605B no further validation from creditors is necessary once proper identity theft documentation has been provided. 

Unauthorized Inquiry and Date of Inquiry Unauthorized Inquiry XXXX CARD Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX  Date of inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Unauthorized Inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX Additionally I request that you provide the specific reason for reporting these inquiries in accordance with 15 US Code 1681b Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned XXXX  inquiries are the result of identity theft and fraud. 

I expect immediate compliance in removing these unauthorized inquiries from my Experian credit file and confirmation in writing that all fraudulent inquiries have been blocked.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
Sunday XX/XX/XXXX I had transactions coming out of my account i didnt approve of, XXXX of XXXX dollars XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX dollars, I did research and found the site the transactions came from. XXXX XXXX XXXX. I reached out and they Informed me there was no transactions but yet they came out of my account from that merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that [ Credit Bureau Name ] block fraudulent information from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. These fraudulent accounts and inquiries are the direct result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
Company attempted to collect wrong amount. I've tried disputing through credit agencies. Account is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against CAP ONE AUTO for their continued violation of the Fair Credit Reporting Act. CAP ONE AUTO is reporting fraudulent account ( Account No. XXXX ) that were opened using my identity without my authorization. I have provided CAP ONE AUTO with an FTC Identity Theft Report ( Report # XXXX ) ), supporting documents, and proof that this account does not belong to me. Despite this, CAP ONE AUTO has refused to conduct a proper reinvestigation under FCRA 1681s-2 ( b ) and continues to report inaccurate information to the credit bureaus. They have also failed to provide any method of verification, proof of ownership, or documentation supporting their continued reporting. Their actions violate FCRA 1681c-2, 1681s-2 ( b ), and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank constantly inconvenienced me as a loyal client left me stranded XXXX hours from home refuses to cash checks atms always down card is always not working and now too ight the atm has stolen {$350.00} dollars from me and my bills are due early in the morning I am tired and at my wits end with this bank!

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 2025-12-01 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: AL

Complaint narrative:
This is not identity theft. This is a mixed-file error. TransUnion is reporting data under the names XXXX XXXX and XXXX XXXX, which do not match my SSN or my driver license. My legal name is XXXX XXXX. Under FCRA 1681e ( b ) and 1681i, TransUnion must correct my identifying information and delete all unverifiable information tied to those incorrect names. Mail only does not apply inside a CFPB dispute. I already submitted my SS card and DL through the CFPB portal, and TransUnion must accept them.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint against XXXX for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). I originally disputed the accuracy of the account reporting XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. I sent a follow-up on XX/XX/year>, and a XXXX  follow-up. Despite multiple notices, XXXX has not provided any verification, investigation results, or documentation proving the accuracy of this account. They have ignored my requests and continue to report information that remains unverified. Under XXXX law, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate, incomplete, or unverifiable data. 
XXXX has failed to do any of these. Their lack of response and continued reporting of unverified information is a clear violation of 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
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I was contacted through XXXX by a scammer who impersonated a legitimate financial service promoted by a verified celebrity. They promised a loan or financial grant but required me to make several deposits and ATM withdrawals under the guise of verification. They engaged me in a 4-hour XXXX call to build trust and used confusing financial terms, including XXXX transactions, to appear legitimate.

The scammers threatened to freeze my bank account and claimed they had access to my phone to coerce me into sending a total of {$2100.00}. I complied out of fear, but never received any loan or financial service.

I immediately reported the transactions to Wells Fargo, submitted an affidavit with supporting evidence ( screenshots, call logs, messages ), and filed reports with IC3 and my local police department. Wells Fargo temporarily credited my account but has since reversed {$1500.00}, claiming the transactions were authorized, even though they occurred under coercion and fraud.

I am seeking resolution under Regulation E for the full amount of {$2100.00} as unauthorized transactions caused by fraud and duress.

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 monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX, I was notified that a past-due payment from XX/XX/XXXX on my XXXX XXXX XXXX XXXX was removed from my credit report. This was a positive correction, as the previous 90 Days Past Due status was outdated and no longer accurate based on the accounts age and reporting timeline. 

While this correction was properly updated, it highlights that previous reporting on this account contained outdated, harmful, and inaccurate information that remained on my file longer than it should have. The late payment should have been removed earlier according to standard credit reporting timelines, but was only corrected after I monitored and reviewed my reports.

I am submitting this to ensure the CFPB is aware of the update and to verify that the furnisher and the credit bureaus continue to maintain maximum possible accuracy under FCRA 607 ( b ) and do not reinsert this or any other outdated negative information without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
On XX/XX/XXXX, I was notified that a past-due payment from XX/XX/XXXX on my XXXX XXXX XXXX XXXX was removed from my credit report. This was a positive correction, as the previous 90 Days Past Due status was outdated and no longer accurate based on the accounts age and reporting timeline. 

While this correction was properly updated, it highlights that previous reporting on this account contained outdated, harmful, and inaccurate information that remained on my file longer than it should have. The late payment should have been removed earlier according to standard credit reporting timelines, but was only corrected after I monitored and reviewed my reports.

I am submitting this to ensure the CFPB is aware of the update and to verify that the furnisher and the credit bureaus continue to maintain maximum possible accuracy under FCRA 607 ( b ) and do not reinsert this or any other outdated negative information without proper notice.

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 2025-12-01 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 am following up on my previous complaint regarding multiple entries on my credit report that appear inaccurate, duplicated, or unverifiable. As noted before, XXXX XXXX, with original creditor XXXX  XXXX XXXX, appears twice with account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  showing balances of {$980.00} and {$1600.00} respectively, and XXXX appears with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$7300.00}. These duplications and discrepancies continue to concern me, as they suggest that the information being furnished may not have been thoroughly verified before being reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is accurate, complete, and verifiable, and I am requesting once again that a full investigation be conducted, that any duplicate or inaccurate entries be corrected or removed, and that I receive written confirmation detailing the results of the investigation and the actions taken to ensure my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter and look forward to a timely resolution.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was supposed to get XXXX tattoos today XX/XX/XXXX and he needed a direct deposit which was fine because most tattoo artists do that and we proceeded t get to the location and he just stopped answering and I texted him and called and it went straight to voicemail twice and I just want my money back because thats not okay for a guy to go that to a young girl especially cause I worked hard for my money and I really wanted to get tatted in honor of XXXX awareness and we set the appt up on the XXXX and I confirmed this morning and everything was good until we got there and everything was good to me nothing looked out the ordinary until he stopped responding and maybe I was XXXX to it but I just want my money back and for others to know so it dosent happen to them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Acceptance, LLC
State: IL

Complaint narrative:
the accuracy of several items listed on my XXXX credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and fully verifiable. I request an investigation into the following accounts, inquiries, and personal information

Company response to consumer: Untimely response
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate information reported on my credit report in the XXXX bureau for my XXXX XXXX  account ( Account number : XXXX ). The report inaccurately shows that I had late payments in XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), and XX/XX/XXXX ( XXXX  days late ). I have consistently made payments as agreed, and these late payment records are incorrect. As a result, the current credit report does not reflect my actual payment history, and the account should be marked as " XXXX XXXX XXXX '' with no late payments. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C 1681i ), which requires credit reporting agencies to investigate and resolve disputes about inaccurate information. Additionally, FCRA 623 ( a ) ( 2 ) mandates that the furnisher of the information, XXXX XXXX, correct and update any inaccuracies, and FCRA 623 ( b ) further stipulates that they must investigate the dispute. I am requesting that the XXXX bureau update my credit report to reflect the accurate status of the account as paid on time and correct any errors related to the reported late payments. 
I respectfully request that the CFPB follow up with the involved credit bureaus and XXXX XXXX  to ensure that my credit report is updated to accurately reflect my payment history, showing all payments as made on time and correcting any erroneous late payment information.

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 2025-12-01 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: CA

Complaint narrative:
I am submitting this follow-up complaint regarding inaccurate information reported on my credit report in the XXXX bureau for my XXXX XXXX  account ( Account number : XXXX ). The report inaccurately shows that I had late payments in XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), XX/XX/XXXX ( XXXX  days late ), and XX/XX/XXXX ( XXXX  days late ). I have consistently made payments as agreed, and these late payment records are incorrect. As a result, the current credit report does not reflect my actual payment history, and the account should be marked as " XXXX XXXX XXXX '' with no late payments. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C 1681i ), which requires credit reporting agencies to investigate and resolve disputes about inaccurate information. Additionally, FCRA 623 ( a ) ( 2 ) mandates that the furnisher of the information, XXXX XXXX, correct and update any inaccuracies, and FCRA 623 ( b ) further stipulates that they must investigate the dispute. I am requesting that the XXXX bureau update my credit report to reflect the accurate status of the account as paid on time and correct any errors related to the reported late payments. 
I respectfully request that the CFPB follow up with the involved credit bureaus and XXXX XXXX  to ensure that my credit report is updated to accurately reflect my payment history, showing all payments as made on time and correcting any erroneous late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
This account was payed in full and never was late and then I closed it and there reporting a balance and a lot of late pays this should be payed in full never late and closed

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