vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my XXXX XXXX but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-08-14 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX 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 2025-08-14 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: OH

Complaint narrative:
I am the victim of identity theft, which has resulted in multiple fraudulent XXXX  inquiries, repossession entries, a XXXX  notation, and late payment notations being added to my credit file without my authorization. These inaccurate items have significantly damaged my creditworthiness and my ability to obtain credit. 

The fraudulent XXXX  inquiries include entries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, a XXXX XXXX XXXX filed on XX/XX/year> is being reported even though it is inaccurate and unverified. Several repossession tradelines, including those from XXXX XXXX XXXX, and multiple late payment notations tied to documented financial hardship remain on my file despite being XXXX XXXX XXXX 

I have provided notice to the credit bureaus under the Fair Credit Reporting Act ( FCRA ) and requested deletion of these items in compliance with FCRA XXXX, XXXX, and XXXX, and XXXX XXXX reporting guidelines. I have also issued cease-and-desist notices to all debt XXXX regarding these accounts under the Fair Debt Collection Practices Act ( FDCPA ). These items should be permanently deleted from my credit reports and blocked from reinsertion.

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 2025-08-14 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: OH

Complaint narrative:
I am the victim of identity theft, which has resulted in multiple fraudulent XXXX  inquiries, repossession entries, a XXXX  notation, and late payment notations being added to my credit file without my authorization. These inaccurate items have significantly damaged my creditworthiness and my ability to obtain credit. 

The fraudulent XXXX  inquiries include entries from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, a XXXX XXXX XXXX filed on XX/XX/year> is being reported even though it is inaccurate and unverified. Several repossession tradelines, including those from XXXX XXXX XXXX, and multiple late payment notations tied to documented financial hardship remain on my file despite being XXXX XXXX XXXX 

I have provided notice to the credit bureaus under the Fair Credit Reporting Act ( FCRA ) and requested deletion of these items in compliance with FCRA XXXX, XXXX, and XXXX, and XXXX XXXX reporting guidelines. I have also issued cease-and-desist notices to all debt XXXX regarding these accounts under the Fair Debt Collection Practices Act ( FDCPA ). These items should be permanently deleted from my credit reports and blocked from reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
What happened : I am disputing a {$2900.00} unauthorized transaction to XXXX XXXX that occurred between XX/XX/XXXX and XX/XX/2025, through my PayPal account. I did not authorize this transaction, and I did not provide my login credentials or consent for these funds to be taken. 

I reported the transaction as soon as I became aware of it, well within the 60-day reporting period required under the Electronic Fund Transfer Act ( Regulation E ).

PayPal denied my dispute, claiming that because my account had sufficient funds, there were logins between transactions, and I did not report it immediately, the activity was considered authorized. These reasons are not valid proof of authorization. Unauthorized users can and do log in after gaining fraudulent access, and having funds available does not equal consent.

I have requested that PayPal provide IP addresses, device IDs, and geolocation data for the disputed logins and transactions to verify they were not from my devices or locations. They have not provided this information or reversed the charge.

What I want : Immediate reversal of the {$2900.00} charge and restoration of funds to my account. I want PayPal to comply with Regulation E by recognizing this as an unauthorized transaction and providing the investigation data supporting their decision. 

Company name : XXXX XXXX XXXX XXXX 

Account type : Online payment service linked to a debit card. 

Relevant dates : Unauthorized transaction : XXXX XXXX XXXX Dispute filed : XX/XX/2025 Denial issued : XX/XX/2025 Why this matters : PayPal is refusing to reverse a clearly unauthorized transaction and is relying on insufficient reasoning that ignores consumer protection laws. They are also withholding the investigation data I requested, which would confirm that I was not the one who made these transactions.

I have provided PayPal with proof that the transactions were not me. I have sent them an email from the merchant where the fraud was done showing that I have no connection with the merchant. PayPal still refuses to refund me my money.

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 2025-08-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
please check attached document named ( dispute explaining ) for details explaining this insurance and bank scam On XX/XX/year>, I received a last-minute insurance quote for my trucking company ( only 1 truck ). The timing was intentional just before the weekend and only a few business hours before my existing policy would expire on XX/XX/XXXX. This forced me into a corner, where I had no time to compare or reject the policy without risking DOT suspension and business shutdown. 

On XX/XX/XXXX, they charged me a total of {$19000.00} split across four transactions, including an undisclosed {$2500.00} deductible, 3 % credit card fee, and other unexplained charges. Worse, the policy they delivered was missing essential coverages I clearly requested like General Liability, Trailer Interchange, and more. This made the policy useless and rejected by brokers like XXXX. I paid for coverage I never received. 

When I contacted the insurance broker for cancellation, they refused unless I paid 40 % of the full cost, even though I never got what I paid for. This is predatory, unethical, and misleading. 

I filed a claim with Wells Fargo, but it was wrongfully denied, likely because the agent didnt take the time to read my full documentation. That denial was based on incomplete review and was completely unfair. My documents explain everything clearly. 

Im requesting a full refund of all {$19000.00}, immediate cancellation of any remaining or future charges, and recognition that this company used deceitful practices to trap me into a policy under extreme time pressure, without fulfilling their obligation.

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 2025-08-14 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have an issue regarding CFPB complaint XXXX. 

In the response the CFPB stated the following : " We've sent your complaint to the company, and we will let you know when they respond.

Their response should include the steps they took, or will take, to address your complaint.

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. '' I have a HUGE issue with this response. The issue is that I CAN NOT ACCESS MY ACCOUNT. It's is stated that the file response could be 60 DAYS OUT? I have balances on my accounts. HOW THE XXXX I'M SUPPOSED TO MAKE PAYMENTS FOR THESE ACCOUNT? The company will not allow me to log into my account. I can not make a payment. If my account is not restored immediately, by Monday, XX/XX/year>, I will start emailing EVERY contract I have for Discover and every contact I have for the parent company of XXXX  XXXX. I will do XXXX searches and find ALL emails that I can associated with these companies and start emailing individuals. It doesn't seem people are taking this issue seriously. I am not going to allow this company to cause me to have late payments. Therefore, I will be emailing every contact I can find in hopes someone can resolve the issue immediately. We are not going to take 60 days. Even 15 days is too long. it has already been 20 days since I got the error message. An error message that said, We're sorry. Your request can not be completed at this time. We sincerely apologize for this inconvenience and are working to resolve this issue soon. '' I also can't even view my transactions on my account to verify they are legit transactions. This is potentially opening my account up to fraud and Discover is doing nothing about me being able to monitor my account for my safety.

What is the company 's definition of " soon ''. Apparently soon means longer than 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
This letter expresses dissatisfaction with the banking institutions new policy requiring cellphones for all online banking logins. This new requirement hinders the ability to access and manage bank accounts conveniently and efficiently.

This policy presents several accessibility and practicality challenges : Accessibility Concerns : Many individuals, including seniors, those with disabilities, or those who choose not to own a smartphone, rely on alternative methods for accessing online services. This new policy creates a barrier to accessing accounts and potentially excludes a significant portion of the customer base.

Privacy Concerns : Linking a personal cellphone to financial accounts raises privacy concerns, particularly regarding data security and the potential for unauthorized access if the device is lost or compromised.

Dependency on Technology : Requiring a cellphone at all times to access accounts, is unrealistic, and creates an undue dependency on a single piece of technology, leading to potential disruptions in service or personal inconvenience if the phone is lost, damaged, or out of battery.

I have contacted the various banking institutions that I use, and I have requested a PIN be used as a secondary means of authentication. 1st- Username, 2nd- Password, 3rd- would be a PIN that only the user would know. I believe a viable alternative to the mandatory use of a cellphone for online banking logins would be a PIN that only the user would know. 

Other possible alternatives I would like : * * A PIN, used after the username and password is entered, that only the customer knows. * * 1st- Username, 2nd- Password, 3rd- would be a PIN that only the user would know * Hardware Security Keys ( e.g., XXXX  ) This will only work on a desktop. 
Email-based One-Time Passwords ( OTP ) ( This still isnt realistic if your phone is lost or stolen, especially if traveling outside the country, and /or using an alternative device that isnt the owner of the bank account. ) Options for landline phone calls for authentication. ( Though this still isnt realistic if your phone is lost or stolen especially if traveling outside the United States ) These policies that are being used at nearly every financial institution is unacceptable and negatively impacts the banking experience. I believe this new option will provide customers with more flexibility in accessing their online accounts in the event of an emergency and not having access to your personal cellphone or a personal device in which to login from. 

I request a mandatory requirement that will provide customers with more flexibility in accessing their online accounts without having to use an additional device.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is not a mistake or a misunderstanding my credit report contains clear inaccuracies that are unacceptable. These errors are causing ongoing harm to my financial standing and personal well-being. The continued presence of this false information is deeply distressing and must be addressed immediately.

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 2025-08-14 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$91.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXXXXXX  as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute the late payment reported on my credit file. Upon review, my payment history confirms that no payments were late for the reported period. This entry is inaccurate and unfairly damaging to my creditworthiness.

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 2025-08-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I entered into a XXXX XXXX agreement with Dividend in XXXX  for my property at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX based on the false pretense guarantee that a 30 % solar credit would be received to cover part of the loan. 
I was never able to access the federal tax credit that was factored into the affordability of the loan, which later caused my payments to increase and become unaffordable as I lost my employment which created a financial hardship. 
The loan is now in default, has been charged off, and there is a XXXX  lien on my home ( XXXX  File # : XXXX, Arizona ). 

Despite hardship and good-faith attempts to settle, the company has refused to accept a reasonable resolution, and the lien is preventing me from being able to file for bankruptcy without losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
Could you please help me review the accounts where companies are incorrectly reporting late payments? After examining my credit report, I noticed some accounts are wrongly marked as late. These should not carry any late payment remarksplease remove them and correct the accounts to reflect the agreed-upon positive status. The account showing delinquent status is also incorrect and should be disputed and revised to show no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> the company Experian reported my credit score  XXXX points below what was advertised on my member dashboard, experian 's website member portal. The company is reporting incorrect information to me and those seeking to lend to me. The last three months the company Experian has reported my score lower that what is reported directly reported to me and caused me to incur financial losses.

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