vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: HW Holding, Inc
State: TX

Complaint narrative:
The following accounts are being reported with unknown payment history, charge-off status, incomplete data, and unverifiable investigation results, which is prohibited under federal law : Charge-Off / Serious Derogatories XXXX XXXX Acct # XXXX Charged Off {$500.00} XXXX XXXX Acct # XXXX Charged Off {$770.00} XXXX Card Services ( Chase ) Acct # XXXX Charged Off {$1200.00} XXXX First Finance Acct # XXXX Charged Off {$2500.00} XXXX XXXX Acct # XXXX Charged Off {$500.00} XXXX XXXX / XXXX XXXX XXXX Acct # XXXX Charged Off / Sold XXXX Bank XXXX XXXX XXXX {$1500.00} XXXX XXXX Payment Reporting XXXX Financial Acct # XXXX Multiple late payments reported with inconsistent date coding across buXXXX XXXX XXXX XXXX Acct # XXXX Progressive late reporting ( 30180 days ) without proof of consumer liability ( All accounts above appear with missing contracts, no payment history, inconsistent balances, or unverifiable dispute results across bureaus. ) STATEMENT OF FACTS I previously disputed these accounts. The credit reporting agencies continue to publish this information without providing the method of verification, the name of the individual who verified the data, or proof that a lawful investigation occurred. 

Several accounts show : Unknown payment history No signed contract or original agreement Conflicting balances and dates across bureaus Continued reporting after dispute Re-aging and duplicate charge-off indicators This constitutes systemic noncompliance, not clerical error. 

FEDERAL LAW VIOLATIONS The actions of the credit bureaus and furnishers violate : XXXX U.S.C. XXXX ( b ) Failure to maintain maximum possible accuracy XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) Failure to disclose method of verification XXXX U.S.C. XXXX ( b ) Furnisher failed to properly investigate disputed information XXXX U.S.C. XXXX ( a ) Reporting obsolete, re-aged, or legally noncompliant data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: FL

Complaint narrative:
These inquiries are fraudulent and wasn't inquired by me. I'm requesting that this information listed below be removed from my Transunion credit report within 4 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I signed up for no interest financing through mattress firm for a bed. The man told me it was a loan and not a credit card. After the purchase I realized it was a credit card through synchrony which dropped my XXXX XXXX immensely. Since then synchrony has been difficult with payments. I have over paid and had to pay twice monthly in one instance because of there practices. They refuse to make adjustments or credits to my account.

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 2025-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I went into Mattress Firm XXXX Georgia XXXX XXXX and applied for no interest financing that I was assured was a loan and not a credit card by the salesperson on staff. After signing documents and making the purchase I received a credit card in the mail. My XXXX XXXX dropped immensely because of this and caused me issues that are still here today due to low XXXX XXXX. The salesmen flat out lied and misled me in this after he knew I was going to be looking to purchase a house and did not want a credit card added to my credit. This is ridiculous and if it continues to happen this salesperson will ruin peoples lifes.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint regarding Experians failure to ensure accurate credit reporting and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed inaccurate and internally inconsistent information reported for an XXXX XXXX  auto-loan tradeline. 

On XX/XX/year>, I submitted a detailed written dispute to Experian concerning the XXXX XXXX  auto loan ( Account No. XXXX ). I provided specific notice that the tradeline contains conflicting and inaccurate information, including inconsistent balances, charge-off and written-off amounts, past-due figures, and late-payment notations that do not reconcile with one another or with a lawful accounting of the obligation. I also included documentation identifying the precise areas of error on my credit report and proof of delivery of my dispute.

Despite this notice, the account continues to be reported with internally inconsistent data. The tradeline reflects a charge-off and a significant written-off amount while simultaneously reporting a large current balance and past-due amount. In addition, the payment-history grid shows extended delinquency and charge-off notations that are not clearly supported by the reported balance history or payment application timeline. These inconsistencies raise serious concerns about the accuracy, completeness, and verification of the information being furnished and reported.

Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Experian must follow reasonable procedures to assure maximum possible accuracy. Further, once notified of a dispute, the furnisher, XXXX XXXX, is obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete any information that can not be verified.

To date, the disputed inaccuracies have not been properly reconciled or corrected. Continued reporting of conflicting balances, charge-off figures, past-due amounts, and delinquency codes suggests that either a reasonable reinvestigation has not occurred or that the information can not be verified with complete and accurate documentation. This ongoing reporting is materially misleading and does not meet the FCRAs maximum-possible-accuracy standard.

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 2025-12-14 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: Chime Financial Inc
State: NY

Complaint narrative:
A charge of {$300.00} was taken from my checking account on XX/XX/year> @ XXXX, I called chime to dispute the charge, I was told to call XXXX the company that charged my account, XXXX XXXX that it was a mistake and refunded the payment on XX/XX/year> back to the original form of payment which was my chime card ending in XXXX, that card was canceled on XX/XX/year> the same day of the fraudulent charge. 
I have been contacting Chime ever since. 
I have provided all information pertaining to the refund being processed by XXXX and I am still being Denied. 
I am currently XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I need my money to help pay for my dr visits and medication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This loan company had my payments on deferred payments. I have looked at my credo score and it dropped XXXX points bc they were fraudulent posting late payments to the credit bureaus. I need these accounts verified with signed documents with my name on them stating that this money is owed to this loan company. I have no information from this company at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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:
This loan company had my payments on deferred payments. I have looked at my credo score and it dropped XXXX points bc they were fraudulent posting late payments to the credit bureaus. I need these accounts verified with signed documents with my name on them stating that this money is owed to this loan company. I have no information from this company at all

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
For XXXX years Ive attempted to reach out to this company for a resolution to the matter. No response no communication. My funds have been frozen and I can not even close this account and withdraw the funds. No interest is earned no utilization is available, its like theyve kept my funds XXXX without even responding to several attempts to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: RI

Complaint narrative:
This account was canceled on XX/XX/year>. Since then, the account has been repeatedly updated as canceled every month. This update appears in the payment history. A canceled account should not have an active payment history. This inaccurate information fraudulently manipulates the statute of limitations. I urge you to properly investigate this account. Having requested this twice already, and given that your negligence has violated my rights, I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Mailing Address : XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX : Equifax Information Services LLC Credit Report Date Referenced : XX/XX/XXXX Nature of the Complaint Inaccurate, unverifiable, and unfair credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 
Complaint Description I am submitting this complaint regarding inaccurate, unverifiable, and improperly reported information appearing on my Equifax credit report dated XX/XX/XXXX. My credit report reflects multiple charge-offs, late payments, and a collection account that are being reported without proper verification, without complete or accurate payment histories, and in a manner that is misleading and harmful to my credit profile. 
Unverifiable Accounts and Incomplete Payment Histories Several accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reported as charged off or severely delinquent, yet lack complete, consistent, or verifiable payment histories. In some cases, charge-off statuses appear to be reported repeatedly over time, suggesting improper re-aging or inaccurate status reporting.

Improper Collection Reporting The collection account reported by XXXX XXXX XXXX ( original creditor : XXXX ) shows an alleged balance of {$700.00}. I have not been provided documentation validating the accuracy, ownership, or calculation of this debt. Despite its age, the collection continues to be reported in a way that causes ongoing harm without proper verification. 
Failure to Ensure Maximum Possible Accuracy Under the Fair Credit Reporting Act, Equifax is required to ensure maximum possible accuracy of the information it reports. The continued reporting of outdated, unverifiable, or inaccurately maintained derogatory information violates this obligation and unfairly depresses my credit score. 
Requested Resolution Conduct a full reinvestigation of all disputed accounts Require furnishers to provide competent and verifiable documentation Delete or correct any account that can not be fully verified or is inaccurately reported Provide written confirmation of the investigation results Accounts Referenced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To : Consumer Financial Protection Bureau Re : Complaint Against Wells Fargo Removal of Debit Card Protections Without Consent I am submitting this complaint regarding Wells Fargos decision to remove debit card protections from my account on XX/XX/year> without my consent and without advance notice. This action was effective immediately. 

Wells Fargo informed me via email that this action was taken due to ongoing overdrafts. However, this explanation is concerning because those same overdraft issues were the subject of my prior complaint to the CFPB, which remains unresolved to my satisfaction. Removing debit card protections after that complaint appears retaliatory in nature rather than corrective or consumer-protective. 

At no time did I authorize the removal of debit card protections, nor was I provided with proper notice or an opportunity to address the issue before this action was taken. The removal of these protections exposes me to increased financial risk and eliminates zero-liability safeguards that are typically afforded to consumers. 

I am requesting the following : 1. Immediate restoration of debit card protections and zero-liability safeguards on my account.

2. Assurance that my prior CFPB complaint was not used as a basis for retaliatory action.

I respectfully request CFPB review and assistance to ensure my consumer rights are upheld and that Wells Fargo is acting in compliance with applicable regulations.

Thank you for your attention to 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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful credit reporting involving late payment information that is being furnished to the credit reporting agencies without proper written notice, verification, or lawful basis.

One or more furnishers are reporting late payments on my credit file despite failing to provide me with written notice prior to reporting these derogatory entries. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681a, information reported must be accurate, complete, and verifiable. Reporting late payments without documented written notice fails to meet the statutory definition of accuracy and reliability.

Further, pursuant to 15 U.S.C. 1681s-2 ( a ), furnishers have a legal obligation to ensure the accuracy of information they report and to correct or delete information that is incomplete, misleading, or unverifiable. Reporting alleged late payments without proof of notice or supporting documentation is materially misleading and unlawful.

Despite my efforts to dispute this information, the inaccurate reporting continues. The publication of unverified late payments has caused reputational harm and constitutes defamation of character by falsely portraying my creditworthiness to third parties.

Under 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable investigation when a dispute is submitted. To date, no valid verification or proof of written notice has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful credit reporting involving late payment information that is being furnished to the credit reporting agencies without proper written notice, verification, or lawful basis.

One or more furnishers are reporting late payments on my credit file despite failing to provide me with written notice prior to reporting these derogatory entries. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681a, information reported must be accurate, complete, and verifiable. Reporting late payments without documented written notice fails to meet the statutory definition of accuracy and reliability.

Further, pursuant to 15 U.S.C. 1681s-2 ( a ), furnishers have a legal obligation to ensure the accuracy of information they report and to correct or delete information that is incomplete, misleading, or unverifiable. Reporting alleged late payments without proof of notice or supporting documentation is materially misleading and unlawful.

Despite my efforts to dispute this information, the inaccurate reporting continues. The publication of unverified late payments has caused reputational harm and constitutes defamation of character by falsely portraying my creditworthiness to third parties.

Under 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable investigation when a dispute is submitted. To date, no valid verification or proof of written notice has been provided.

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 2025-12-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX To Whom It May Concern, I am writing regarding your attempts to collect on an alleged debt. Please be advised of the following : 1. Dispute of Debt : In accordance with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby dispute the validity of this alleged debt in its entirety. Until you provide proper validation, including but not limited to the original creditors name, itemized accounting, and verification of your legal right to collect, you must cease all collection efforts. 2. Cease and Desist Demand : Pursuant to 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me concerning this matter, except as specifically allowed by law. The FDCPA only permits you to contact me further for the following limited purposes : o To confirm that collection efforts are being terminated ; o To notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or o To notify me that you intend to invoke a specified remedy. 3. Notice of Rights and Remedies : Any attempt to contact me beyond what is legally permitted will be considered a direct violation of the FDCPA. If you fail to comply, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and pursue all available legal remedies, including statutory damages under 15 U.S.C. 1692k. I expect your full compliance with federal law.

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 2025-12-14 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: IA

Complaint narrative:
After further review of my credit report there are multiple inaccurate accounts reporting that are not mine and are fraudulent. According to Fcra I have the right to remove anything thats harming my report. And I plan to take it to the fullest extent.

Company response to consumer: Closed with explanation