vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
I am disputing the accuracy of the following accounts reported on my Equifax credit report : Charged Off Accounts : UNAUTHORIZED, XXXX, XX/XX/XXXX, {$41.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$4100.00} Late Payments : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Back in XX/XX/year> I ordered myself a XXXX  watch and a XXXX  ring for my wife to propose to her and I ordered it from XXXX and I thought I was getting a legit XXXX  watch and ring and they basically just sent me a box of two pieces of super fake cheap jewelry basically something you would find out of a quarter machine at a Walmart. So they could say that they delivered it, but they sent me the wrong products. The products didnt even look like anything that I ordered and worst of all none of it was real.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called multiple times today on XX/XX/2025 to have my name removed as an authorized user on another persons account. My credit is being affected negatively as a result and I am not legally or financially liable for the debts owed by the account holder. I do not have contact with the cardholder at this time and was told by Capital One the primary cardholder would have to call to have me removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Remitly, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I initiated a USD XXXX transfer to an XXXX bank ( Ref : XXXX ) via Remitly at an exchange rate of XXXX. The transaction was authorized and debited from my U.S. account but failed to complete. Remitly initially stated that the issue was with my XXXX bank and assured me that they would try and the transfer would be processed. I verified with my bank, and they confirmed there was no issue on their side. Later, we also attempted the transfer using my XXXX  account and my fathers XXXX account, but both attempts failed. 

Over several days, I received conflicting guidance, misleading instructions, and false promises from multiple Remitly representatives and supervisors, including suggestions to split the transaction into smaller amounts, wait for a particular exchange rate, or deposit cash via a third party - all of which did not resolve the issue. Supervisors admitted this was an unusual problem they had not encountered before. Promised calls and updates were often missed or delayed. 



As a result, I have incurred a financial loss of approximately {$480.00} USD due to the drop in the exchange rate from XXXX at the time of transaction to XXXX today ( XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
Recently I looked a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : Account Number : 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 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-23 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate and contradictory information on my credit reports with Equifax, TransUnion, and Experian regarding a closed installment loan. 

The account was opened in XX/XX/XXXX and last activity is inconsistently reported as XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Equifax ), while Experian reports no last activity date. TransUnion lists a closed date of XX/XX/XXXX, but Equifax and Experian do not report any closed date at all. 

Despite the account reflecting a {$0.00} balance on all three credit bureaus, XXXX continues to report the account as a charge-off, using conflicting language across bureaus : Equifax : Charge-off TransUnion : Charged off as bad debt Experian : Unpaid balance reported as a loss by credit grantor Additionally, TransUnion and Experian state that the account was purchased by another lender, yet no successor creditor is identified and no documentation of any sale or assignment is provided. XXXX continues to report the tradeline despite claiming it no longer owns the account. 

Key account details are also reported inconsistently : Loan term ( 36 months ) appears on Equifax and Experian but is missing from TransUnion Last activity dates differ across bureaus Closure information is incomplete or missing Furnisher name varies across bureaus, creating identity ambiguity I previously disputed this account directly and requested full verification, including payment history, accurate charge-off and closure dates, and proof of any sale or assignment. XXXX did not provide the requested documentation and has continued reporting the inconsistent information. 

Because the reported data is internally contradictory, incomplete, and unverifiable, XXXX reporting does not meet accuracy and completeness requirements under the Fair Credit Reporting Act. I am requesting deletion of this tradeline unless XXXX can fully substantiate all reported information with 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 non-monetary relief
Consumer complaint received 2025-12-23 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:
XXXX XXXX is reporting inaccurate and contradictory information on my credit reports with Equifax, TransUnion, and Experian regarding a closed installment loan. 

The account was opened in XX/XX/XXXX and last activity is inconsistently reported as XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Equifax ), while Experian reports no last activity date. TransUnion lists a closed date of XX/XX/XXXX, but Equifax and Experian do not report any closed date at all. 

Despite the account reflecting a {$0.00} balance on all three credit bureaus, XXXX continues to report the account as a charge-off, using conflicting language across bureaus : Equifax : Charge-off TransUnion : Charged off as bad debt Experian : Unpaid balance reported as a loss by credit grantor Additionally, TransUnion and Experian state that the account was purchased by another lender, yet no successor creditor is identified and no documentation of any sale or assignment is provided. XXXX continues to report the tradeline despite claiming it no longer owns the account. 

Key account details are also reported inconsistently : Loan term ( 36 months ) appears on Equifax and Experian but is missing from TransUnion Last activity dates differ across bureaus Closure information is incomplete or missing Furnisher name varies across bureaus, creating identity ambiguity I previously disputed this account directly and requested full verification, including payment history, accurate charge-off and closure dates, and proof of any sale or assignment. XXXX did not provide the requested documentation and has continued reporting the inconsistent information. 

Because the reported data is internally contradictory, incomplete, and unverifiable, XXXX reporting does not meet accuracy and completeness requirements under the Fair Credit Reporting Act. I am requesting deletion of this tradeline unless XXXX can fully substantiate all reported information with 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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
For years, USAA has reordered and re-itemized my transactions. This practice has caused me hundreds in fees over the years and negatively impacted my finances and livelihood. In the past, USAA would charge me multiple times in NSF fees for one transaction. Recently, USAA re-itemized my transactions which caused my son 's tuition payment to be returned AGAIN. I have transferred funds from an outside account to attempt to prevent the transaction from being returned. I have attached photos for proof.

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 2025-12-23 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. I believe the following accounts are inaccurately reported and should be investigated and corrected : CHARGED OFF : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} LATE PAYMENT : XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
Please look over the attached files ; the inquiries were submitted without advance notice and may be unauthorized.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
am filing this complaint regarding inaccurate credit reporting on my XXXX  credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

The account in dispute is SELF FINANCIAL / LEAD BANK ( secured card ). This account was closed on XX/XX/year>. However, XXXX  continues to incorrectly report the account as OPEN, while both XXXX  and XXXX  correctly report the account as CLOSED. 

In addition, XXXX  is reporting late payments occurring after the account was closed, which is factually impossible and legally inaccurate. Once an account is closed, it can not accrue new late payments. This reporting is misleading and damaging. 

XXXX reporting demonstrates a failure to follow reasonable procedures to assure maximum possible accuracy, in violation of 15 U.S.C. 1681e ( b ). Additionally, XXXX  has failed to properly reinvestigate and correct this inaccurate information as required by 15 U.S.C. 1681i ( a ). 

Because the account closure date is verifiable and the other credit bureaus report the account correctly, XXXX  continued reporting of false late payments and an incorrect open status is unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a follow-up complaint because the Wells Fargo Bank responded to my first CFPB complaint, but I was not given a copy of their response in writing, All it says is the case is closed because they responded. 
The Bank did call me and tell me my claim was denied today, but they would not say why, they said I could read it in the report. Of course, I do not have access to the report. In addition, after I filed my initial claim, I went to the XXXX XXXX XXXX XXXX XXXX and filed a report with them. I want people to understand that the basis of my claim is Identify Theft made possible because Wells Fargo provided my personal information to the money transfer service, XXXX, that they sponsor. I was not aware that they were providing this company with my personal information, and in fact the fraudsters were able to access my Wells Fargo checking account by infiltrating my email with a Wells Fargo security code which they used to do so to set up a recipient in the XXXX money transfer system. XXXX advised me that I must handle this situation through Wells Fargo, and so far, they have denied XXXX claims that I have presented to them. XXXX has an ongoing Class Action Lawsuit, but I can not join because I don't have proof that they denied my claim, because they would not allow me to submit a claim. They are sending me in circles. First saying it was not online XXXX, second saying that I requested the money transfer myself, and the third one, I'm not sure why they denied it, but they are washing their hands of all responsibility. When in fact, if they had not provided my personal information to the fraudsters, they would not have been able to access my email or phone to accomplish their scheme.

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 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: VA

Complaint narrative:
Although I now reside in XXXX, I was a XXXX  resident at the time this loan was originated and the loan extended to me as a XXXX  consumer. I am a government employee. I obtained a personal loan from BMG Money with an APR of 35.99 %. I borrowed {$5000.00} and have already paid approximately {$1900.00}, primarily through mandatory payroll deductions. 

Under XXXX  law, personal loan interest rates are capped at 24 % unless a lender is properly licensed and exempt. The interest rate on this loan exceeds XXXX  legal limits and appears to be usurious and predatory. 

The use of payroll deductions significantly limited my ability to manage my finances and created financial hardship. Much of my payments have gone toward interest rather than principal.

Company response to consumer: Closed with explanation