vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because I was the victim of a scam involving a fake XXXX email while selling an item on XXXX XXXX On XX/XX/year> The scam began when a buyer sent me what appeared to be an official XXXX email stating that my XXXX account needed to be upgraded in order to receive their payment. The email used XXXX logo and formatting and looked legitimate. I was instructed that, in order to complete the upgrade, I needed to send money first, and that I would then receive both a reimbursement and the buyers payment. 

Believing I was interacting with a real XXXX representative, I followed these instructions. I later learned this was a scam and that the email was fraudulent. As soon as I realized what happened, I contacted Wells Fargo and filed a claim. 

Wells Fargo ultimately denied the claim and also declined a goodwill reimbursement. I am requesting that Wells Fargo reopen and re-evaluate my XXXX scam claim, or provide reimbursement or partial reimbursement given that I was clearly deceived by a sophisticated impersonation scam designed to appear as official XXXX communication. 

For the amount of {$500.00} I can provide the fake XXXX email, screenshots of messages with the scammer, evidence of the transactions, and all related documentation to support my case. 

Thank you for your assistance. 

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 2025-11-25 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is now my third formal dispute with Experian regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) across multiple accounts. XXXX continues to allow the following companies to furnish unverifiable and damaging data despite my documented disputes : XXXX XXXX XXXXXXXX XXXX XXXX The loan was paid in full long ago, yet derogatory late payments remain. XXXX  has failed to delete or correct the tradeline after multiple disputes. Under FCRA 623 ( a ) ( 2 ), furnishers must update or correct any account found to be inaccurate. This also triggers XXXX duty under 1681i ( a ) to perform a reasonable reinvestigation. At this point, XXXX  failure to correct this is willful noncompliance. 

XXXX. XXXX XXXX XXXX : No proof has been provided that I owe any debt to this company. I was never served, notified properly, or given an opportunity to validate this debt. This is a violation of FCRA 611 ( a ) ( 1 ) ( A ) and the FDCPA 809 ( a ), which require proper notice and an opportunity to dispute before furnishing data to the credit bureaus. XXXX continued reporting of this unverifiable item is unjustified and unlawful. 

XXXX. CAPITAL ONE : Experian has failed to provide the Method of Verification after repeated requests. I have received no original signed contract, billing statements, or payment history to justify the derogatory status this account continues to report. FCRA 611 ( a ) ( 7 ) mandates that Experian disclose how an account was verified if requested and they have failed to do so multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore. These inaccuracies have been negatively impacting my life and my credit score, preventing me from achieving financial freedom and stability. This situation has gone on for far too long and continues to cause unnecessary stress and hardship.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XX/XX/XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XX/XX/XXXX # XX/XX/XXXX - Date Opened : XX/XX/XXXX XX/XX/XXXX # XX/XX/XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XX/XX/XXXX # XX/XX/XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Issue : Failure to Provide Requested Credit Information / Improper Denial of FCRA Rights I am filing this complaint because Experian refused to provide the credit information I lawfully requested under the Fair Credit Reporting Act ( FCRA ). Experian sent me a letter claiming that my request 'did not appear to have been sent directly by you or to be authorized by you. ' This statement is false. I personally mailed the request, and Experian received it directly. 

Detailed Description of What Happened On XX/XX/year>, I mailed a written request directly to Experian requesting credit file disclosures and supporting documentation. My XXXX receipt confirms that I personally mailed the request from my local post office. 
XXXX tracking also confirms that Experian received the letter on XX/XX/year> at their facility in XXXX, TX. Despite this, Experian issued a refusal letter dated XX/XX/year> claiming that the request was not sent or authorized by me. This is untrue, and the documentation proves it. 
Attached evidence includes : Experian 's refusal letter Proof of mailing XXXX delivery confirmation These documents demonstrate clearly that Experian 's refusal is baseless and obstructs my rights under federal law. 

Legal Violations Under the Fair Credit Reporting Act ( FCRA ) Experian 's refusal to provide the information I requested violates several sections of the FCRA, including : FCRA 609 ( a ) ( 1 ) Right to receive a full consumer file disclosure FCRA 609 ( a ) ( 2 ) Right to receive the sources of information FCRA 609 ( a ) ( 6 ) Right to receive all information in the file FCRA 610 CRA may not refuse disclosure without legitimate basis FCRA 611 ( d ) Unlawful interference with right to dispute information FCRA 607 ( b ) Duty to ensure reasonable procedures for accuracy By falsely claiming my request was not authorized, Experian is unlawfully blocking my ability to obtain my credit information, which prevents me from disputing inaccurate items. 

Pattern of Misconduct by Experian Experian has a documented pattern of refusing legitimate requests by claiming insufficient identity verification. Numerous consumers have reported similar experiences, and regulatory actions show Experian routinely obstructs access to credit information using boilerplate excuses.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing another complaint form the last one because Experian has reported inaccurate, incomplete, and XX/XX/XXXX compliant information on multiple accounts on my credit report. Despite previously submitting formal disputes, Experian returned each account as verified without correcting the clear reporting errors of the below accounts. XXXX XXXX XXXX # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information being verified which is not what I request from the pervious complaint still contains factual inaccuracies, missing required fields, reporting inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ). This has caused ongoing harm to my credit profile and financial opportunities. Below are the specific errors that Experian failed to address during the reinvestigation : A. Incorrect or Missing Date of First Delinquency ( DOFD ) DOFD does not reflect the original date of delinquency. Violates FCRA XXXX ( c ) and XXXX XXXX ( Base Segment 25 ) requirements. B. Illegal Re-Aging of Accounts DOFD appears to have been changed or updated incorrectly, extending reporting time. Violates FCRA 605 ( c ). C. Incorrect Reporting After Payment ( Paid Accounts Not Updated ) Paid collections still showing incorrect statuses. Violates FCRA 623 ( a ) ( 2 ) ( duty to amend and correct ). D. Medical Debt Reported Before 365 Days Medical debt was reported earlier than the required 365-day waiting period. E. Inconsistent Information across all three Bureaus DOFD, dates of last activity, account statuses, payment histories, and balances do not match XX/XX/XXXX, Experian, and XX/XX/XXXX. Violates FCRA 1681e ( b ) ( requirement for maximum possible accuracy ). F. Failure to Conduct a Reasonable Reinvestigation TransUnion failed to correct obvious factual issues and returned generic verified responses. Violates FCRA 611 ( a ) ( 1 ). G. Failure to Provide the Method of Verification ( MOV ) Experian did not provide required details on how verification was conducted. Violates FCRA 611 ( a ) ( 7 ). These precedents show that Experian did not meet its legal responsibilities.

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 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I took my car to XXXX on XX/XX/year> to have rustproofing and undercoating applied ( as my dealership didnt offer this service ). This company immediately started trying to sell me detailing ( of which I didnt understand ) to enhance protection on the top of my vehicle. I explained that I already had 3 layers of ceramic gloss, interior protection costing me nearly {$4000.00}. when I purchased my car, XX/XX/year>. XXXX tried telling me that the dealerships protection package wasnt good enough. I reiterated that I only wanted the rustproofing and undercoating applied. 
They asked how I wanted to pay. I said with the special, apply for the credit card and get 6 months, no interest if paid in full. The rustproofing and undercoating for {$800.00}. Im on Social Security XXXX and have a small sick pay check I receive monthly from where I had worked. I applied for the credit card application and one of their service providers took me home as they said it would be a while before my car would be ready. 
When they picked me up ( at closing time ) I received a bill for an astronomical amount of money! All of this detailing work had been done on my car! I stood in disbelief, but had no option but to sign papers to get my car back. I had no choice as they wouldnt release my car to me without signing. Everyone stood there with their coats on waiting for me to sign. I signed. They had opened up 2 credit cards to cover the bill! The other bank was XXXXXXXX XXXX XXXX XXXX immediately sided with me and told me that they will no longer accept XXXX as a customer because they had done this too many times before. 
I paid {$600.00} ( de pleating my Savings Account ) and then another {$220.00} automatic payments before canceling my automatic payments. I just cant afford this bill and didnt want my credit ruined. I have disputed this account with the bank 5 times and each time it has been denied because of my signature. 
I have contacted XXXX, who has referred me to you.

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 2025-11-26 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: LA

Complaint narrative:
Experian illegally reinserted a previously deleted account on my credit report without providing the mandatory 5-day written notice required under FCRA 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ). This reinsertion occurred without any certification from the furnisher, which violates FCRA 1681i ( a ) ( 5 ) ( B ) ( i ). I received no written communication, no explanation, and no documentation from Experian. 

Experian also failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ). The account was verified extremely quickly with no documentation, and their actions resulted in inaccurate reporting, score damage, and financial harm.

The reinsertion itself is unlawful, and Experian is required by law to : 1. Permanently delete the reinserted account 2. Provide written certification records 3. Provide written confirmation of deletion 4. Correct all damages caused by this violation

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 2025-11-25 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: NV

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore. These inaccuracies have been negatively impacting my life and my credit score, preventing me from achieving financial freedom and stability. This situation has gone on for far too long and continues to cause unnecessary stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate and unverified items on my credit report. They are listing XXXX wrong addresses, XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX, neither of which has ever belonged to me. Experian is also reporting several accounts with false late payment information, including XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, and CAPITAL XXXX XXXXXX/XX/XXXX even though I have never been late on any of these accounts. In addition, Experian is reporting numerous charge-off and collection accounts that I have no knowledge of. These accounts include XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, another XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXXXX/XX/XXXX, none of which belong to me. Experian is also reporting several unauthorized inquiries from XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX that I did not authorize. These errors continue to harm me, and I am requesting immediate regulatory action to ensure Experian corrects these issues.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
The company I asked them to verify the {$3000.00} that I owe them. Theyre saying that I damaged property they sent me pictures with no time stamps of the time and date showing and saying that I stayed in their weekly in the timeframe. I was staying there that it was damaged they have sent no pictures with no room numbers showing the room with timestamp of the time that I was staying in the room they are trying to say that the pictures that they have sent me are substantial enough evidence Showing that I did the damage, but the pictures have no time stamps on them at all and there is no pictures of the room number or the room showing the number that this is the room in the timeframe that they are claiming the damage was done. They never said a word to us as they were kicking us out of the Room When they were standing there about the damage they have sent me documents showing the damage cost at {$800.00} and that I owe them {$3000.00}. I have never signed off on the damage at all. I never caused no damage to their room. I have asked the company many times to re-verify and show me that I caused this damage in the timeframe that they are saying they have not done so I have documents that they have sent me and a credit report that I will be attaching to this.

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