vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-12-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander, is a predatory lender, loan on XXXX XXXX XXXX XXXX %, did not know about high interest for not paying payments, {$830.00} a month, way above my ability to pay, I am now under review for repossession. In the last year I lost {$1600.00} of net income due to being hurt on the job, lost second job, and lost my finances income when she left me. I've tried to refinance the car through other lenders, but they want {$5000.00} up front to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
Formal Complaint against Wells Fargo XXXX : Geographic Discrimination and Deceptive Marketing Practices ( XXXX XXXX ) The bank sent a pre-approved offer to my residential address in XXXX XXXX. Based on this invitation, I applied using my XXXX XXXX address and Social Security number. Wells Fargo reviewed my information, approved the account, and mailed the physical credit card to my home in XXXX XXXX. 

I called to customer service to verify if the offer was legit and they told me that was correct. They asked me to sent a utility bill to check my address and shortly after, the bank closed my account stating that XXXX XXXX is not a state. In doing so, they also withheld a {$200.00} sign-up bonus I was entitled to. Now they said that I didn't read the documents. 
This is a deceptive practice : the bank targeted me in a jurisdiction where they later claimed they do not operate. I am requesting the {$200.00} bonus as promised and the removal of the hard inquiry from my credit report, as the account was closed due to the bank 's inconsistent residency policies, not my creditworthiness. 

I am alleging the following violations : XXXX. Deceptive XXXX ( XXXX ) : It is inherently deceptive to target consumers in XXXX XXXX with pre-approved offers if the banks policy prohibits serving residents of that territory. 
XXXX. XXXX Discrimination : Closing an account solely based on residency in a XXXX territory, after having already approved the application with full knowledge of the applicant 's address, is a discriminatory practice. 
XXXX. Unjust XXXX : The bank obtained my personal data and performed a hard inquiry on my credit report under false pretenses, only to withhold the promised {$200.00} reward.

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 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
This account is the result of identity theft. I did not open or authorize this account. My wallet was stolen, and my personal information was used fraudulently. I have filed an FTC Identity Theft Report and a police report. I am requesting immediate removal of this account from my credit report under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 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: MO

Complaint narrative:
There was a natural disaster that both XXXX XXXX and XXXX acknowledged, in XXXX XXXX, Missouri that occurred on Mat XXXX, 2025 ( tornado ) My XXXX mortgage payment was late due to infostructure deficiencies and was all paid up in XX/XX/year>. 
XXXX refused to remove the late payment, despite my many attempts to have them do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am submitting this complaint against Bank of America regarding discriminatory treatment I experienced at a branch, followed by the closure of my account and resulting harm to my financial standing. 

I entered a Bank of America branch for the sole purpose of cashing a legitimate check. During this visit, I was treated as a security threat without cause. I was questioned and scrutinized in a manner that was inconsistent with standard customer service and not based on my behavior or the transaction itself. I believe this treatment was based on racial profiling. 

Shortly after this incident, my account was closed. I was not provided a clear explanation, advance notice, or an opportunity to resolve any alleged issue. The closure disrupted my access to funds and has had downstream effects, including negative credit reporting and/or inquiries associated with the account. 

I dispute the legitimacy of any adverse actions, inquiries, or reporting tied to this incident. I did not engage in misconduct, and there was no valid business reason communicated to justify the account closure or any related credit activity. 

I am requesting that the CFPB investigate Bank of Americas actions for : * Discriminatory treatment in a branch setting * Improper or unjustified account closure * Any resulting inaccurate or unauthorized credit reporting or inquiries This situation has caused financial harm, distress, and damage to my credit profile. I am seeking correction of my credit file and accountability for the treatment I experienced. 

Sincerely, 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 2025-12-27 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am submitting this complaint regarding the banks failure to reasonably investigate and validate an alleged account that they are reporting in my name. 

I requested validation of the alleged debt and copies of all account statements and records in order to review the accounts accuracy. I am also a victim of identity theft and am attempting to determine whether this account is part of a broader fraudulent scheme. Without access to the account statements and records, I can not meaningfully assess whether the account is accurate or fraudulent. 

In response, the bank reframed my request as a credit report dispute and stated they could not begin an investigation unless I provided a copy of my credit report, my full Social Security number, a complete account number for an account I do not recognize, and documents supporting my dispute. This response is unreasonable and circular, as the bank is the furnisher of the information being disputed and already possesses the underlying account data. 

The bank has not provided : - Any account statements - Any account opening documentation - Any transaction history - Any evidence that the account is accurate or authorized Requiring me to identify specific disputed transactions before providing account records effectively prevents any meaningful investigation and shifts the banks legal obligations onto the consumer. 

I am requesting that the CFPB require the bank to : 1. Provide all account records and statements associated with the alleged account, or 2. Cease reporting the account if it can not be properly verified I am not acknowledging ownership or responsibility for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/year> purchased money order to send to mobile home insurance of {$1000.00}. A week later the money order was not processed and home insurance was cancelled due to this issue of never receiving money order. Requested refund from moneygram and they said to send in a form the form was returned and said to go into the place purchased which we did XXXX weeks later and they said they were no longer a money gram location. The money order has still not been processed till this day. reached out to moneygram and they said that the case was closed because the refund had been processed. They did not ask for mailing info or any information so im not sure where they could have possibly sent a refund. Asked for proof of money return and they emailed back to submit a fraud claim with police which we did. Requested to speak to a higher up and they stopped responding to all emails. Local PD filed a complaint but nothing can be done. Money order claim card was sent XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
ON XX/XX/XXXX, I received a payment for XXXX from a hair company overseas XXXX XXXX, for reviewing a wig for them. I am a social media influencer and i do hair reviews. I bought the wig with my own money and then they reimbursed me through paypal. 
Not even a day after receiving the payment paypal restricts my account. I waited an additional 180 days like they said to be able to access my money and I still was not allowed to by PayPal. As of today XX/XX/XXXX, i have attempted several times to get in contact with someone to get my funds but no luck, Now the app tells me i can no longer get my money at all which is not right because the restriction was invalid to begin with. And they said id still be able to receive the funds. they never went through verfication or anything or gave me an option to before stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Opened XX/XX/year> unknown account not mine over 7 years removal requested

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 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and did not authorize the use of my personal information or open any of the accounts or transactions listed. I request that all fraudulent activity be investigated and removed and that I not be held responsible for any related debts.

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 2025-12-27 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: GA

Complaint narrative:
I am a victim of identity theft and did not authorize the use of my personal information or open any of the accounts or transactions listed. I request that all fraudulent activity be investigated and removed and that I not be held responsible for any related debts.

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