vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request for Immediate Removal ofFraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 
I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 
The following accounts must be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 
Enclosed Documents : XXXX. FTC Identity Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these escalate ( CFPB ) fraudulent accounts are not removed immediately, I will this matter with the Consumer Financial Protection Bureau and pursue further legal action if necessary. 
Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 
Thank you for your immediate attention to this matter. 
I can be reached at the contact information above if further clarification is needed. 
Sincerely, 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attach d copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between XXXX and XX/XX/year>, my Wells Fargo checking account was charged via XXXX debit card for transactions totaling {$4400.00} by a mobile gaming application. 

I am disputing these transactions on the basis of misrepresentation of services, not gambling losses. The merchant marketed the application as a skill-based competition against real human players, which materially influenced my decision to authorize the transactions. Public litigation and regulatory actions raise concerns that the service was not delivered as advertised. 

After identifying the issue, I contacted the merchant directly and requested historical account records, including deposit history, win/loss summaries, and game or match activity details needed to support my bank dispute. The merchant explicitly stated they were unable or unwilling to provide historical records and directed me only to in-app balances. These records are solely within the merchants control. 

I then filed a debit card dispute with Wells Fargo and provided transaction proof, merchant chat transcripts documenting refusal to provide records, and a written statement. I was advised by Wells Fargo to delete my merchant account, which I did. Following deletion, I no longer had access to internal account history or summaries. 

Wells Fargo closed the dispute and subsequent escalation without addressing whether the claim was evaluated under the appropriate misrepresentation or services-not-as-described classification, and without addressing the merchants refusal to provide records. 

I am requesting CFPB review of Wells Fargos handling of this dispute and a proper evaluation under applicable debit card and XXXX  consumer-protection rules.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint to report a clear violation of the Fair Credit Reporting Act by a consumer reporting agency. On 12-6-2025 I submitted a valid FTC Identity Theft Affidavit and formal fraud block request generated through IdentityTheft.gov under FTC Report Number XXXX. The affidavit identified a fraudulent account reported by XXXX XXXX with account number XXXX that I do not recognize and that resulted from identity theft. The submission included a sworn statement under penalty of perjury and sufficient identifying information to trigger a mandatory fraud block under 15 USC 1681c-2.

Federal law required the consumer reporting agency to block the identified identity-theft-related account within four business days of receipt. As of the date of this complaint, the account has not been blocked and continues to be reported on my consumer credit file. This failure constitutes a direct violation of FCRA Section 605B and has caused ongoing harm by allowing identity theft related information to remain published beyond the statutory deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed some unauthorized inquiries on 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. These accounts either contain incorrect balances or should not be reported. Please verify and correct these entries. 

Charged Off Accounts : XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$140.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1600.00} Late Payments : XXXXXXXX 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased a vehicle that was financed through XXXX XXXX XXXX. In XX/XX/year>, the vehicle was involved in an accident, and the insurance company assumed responsibility for the claim. As part of the settlement process, the following payments were made to XXXX XXXX XXXX : XX/XX/XXXX {$770.00} ; XX/XX/XXXX {$31000.00} ; and XX/XX/XXXX {$770.00}. Due to the circumstances surrounding the accident and insurance settlement, we requested that the XXXX payment be postponed, and XXXX XXXX XXXX agreed to this request. 

Additional payments were subsequently made as follows : XX/XX/XXXX {$2100.00} ; XX/XX/XXXX {$230.00} ; XX/XX/XXXX {$1500.00} ; and XX/XX/XXXX {$590.00}. In XXXX, I discovered inaccuracies in the credit reporting for the months of XXXX and XXXX and contacted XXXX XXXX XXXX, providing documentation to support my position. Unfortunately, I received no assistance in resolving these reporting issues. 

To prevent further harm to my credit, I paid the remaining balance out of pocket in XXXX and XXXX to fully satisfy the account. On XX/XX/XXXX, I received written confirmation that the account was closed. Despite this, my Experian credit report reflects late payments for XXXX, XXXX, XXXX, and XXXX. At a minimum, the account was satisfied in XXXX, and continued reporting of late payments for XXXX and XXXX is inaccurate and unjustified. 

I have made every reasonable effort to meet my financial obligations and resolve this loan responsibly. The continued inaccurate reporting has caused significant damage to my credit standing, and I respectfully request that this matter be corrected promptly to reflect the true status of the 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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 ] Account Number : [ 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I had a subscription that I forgot to cancel. subscription item shipped. I received item on XX/XX/year> and immediately emailed merchants customer service. 
On XX/XX/year> received email & I spoke with merchant about canceling subscription and returning item for refund. They canceled my subscription that day and approved return stating I could ship the item back if I paid for shipping and then they would refund me. They provided me with the return address. 
On XX/XX/year> I purchased a XXXX shipping label to said address with tracking number via XXXX. I shipped item back that same day. 
According to the XXXX tracking number attached with the label, the item was received by merchant on XX/XX/year> at XXXX Merchant did not refund. I reached out again via email with no reply so I filed a dispute with my Apple Credit Card. 
I provided written statement of what happened and provided the following evidence Merchant approved return Proof of return shipping purchase XXXX tracking number Proof of delivery to merchant Email confirmation of refund agreement The credit card company denied the claim several times and I asked for written documentation as to why. They were filing the dispute under subscription not canceled properly. I open dispute again and asked them to reclassify the filing. This time they denied the claim our records indicate the goods or services were not returned within the time frame described by the merchant 's terms and conditions even though because the merchant approved the return, their default XXXX & XXXX no longer apply unless they specified a deadline which they did not. 

I asked Credit card company to Please provide documentation showing the specific return timeframe the merchant claims I violated, despite written approval but have not received that information yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I am submitting this complaint to report a clear violation of the Fair Credit Reporting Act by XXXX. I originally submitted a valid FTC Identity Theft Affidavit and a formal fraud block request on XXXX identifying multiple fraudulent accounts resulting from identity theft. I provided sufficient identifying information and documentation to trigger a mandatory fraud block under 15 USC 1681c-2. 

Under federal law XXXX  was required to block the identified fraudulent accounts within 4 business days of receipt. As of today XXXX  has failed to block the accounts and continues to report them on my consumer file. This failure constitutes a direct violation of FCRA Section 605B and has caused ongoing harm by allowing identity theft information to remain published.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am submitting this complaint to report a clear violation of the Fair Credit Reporting Act by XXXX. I originally submitted a valid FTC Identity Theft Affidavit and a formal fraud block request on XXXX identifying multiple fraudulent accounts resulting from identity theft. I provided sufficient identifying information and documentation to trigger a mandatory fraud block under 15 USC 1681c-2. 

Under federal law XXXX  was required to block the identified fraudulent accounts within 4 business days of receipt. As of today XXXX has failed to block the accounts and continues to report them on my consumer file. This failure constitutes a direct violation of FCRA Section 605B and has caused ongoing harm by allowing identity theft information to remain published.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
i called wisely to dispute a withdraw that did not dispense but were taken out from my account i had a balance of XXXX i processed to withdraw all, XXXX withdraw dispense, the XXXX one did not my balance stayed at XXXX i went to another atm next to the XXXX atm and withdraw XXXX, XXXX, XXXX and XXXX but somehow the wisely took XXXX from my account that would made i had more than i was actually withdrew which is impossible since i only had XXXX not XXXX i disputed they claimed no error

Company response to consumer: Closed with explanation