vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On or around XX/XX/XXXX, I placed an online order with XXXX XXXX XXXX using my debit card. I initially believed this company was based in XXXX XXXX, but later learned the item would be shipped from XXXX. Immediately after placing the order, I contacted the company to request cancellation if the order had not already shipped, as I needed the item by a specific date. The company responded that the item had shipped, though tracking showed it was merely waiting to be picked up by the carrier. 
When the package eventually arrived, I was very disappointed. The quality of the material was extremely poor, and more importantly, the item was defective and unwearable. I contacted the merchant, but they stated the item was final sale and not eligible for return. However, their own website clearly states : returns due to defects, damage, incorrect items, or incomplete orders will not incur any return fees. Please notify us within 7 days of receiving your order to ensure a smooth process. 

I informed the merchant that a final sale policy does not apply to defective merchandise. A defective item is not a matter of personal preference but a failure to deliver a product as described, which constitutes a basic consumer rights issue. I requested instructions for returning the defective item and a full refund. After this, the merchant ceased all communication. 

As a result, I opened a claim with Wells Fargo ( Reference # XXXX ). A provisional credit of {$49.00} was issued to my account. However, on XX/XX/XXXX, I was informed by Wells Fargo that the provisional credit would be reversed because the requested documentation was not received. When I called Wells Fargo for clarification, I was told the case was being closed on the grounds that the merchant had offered me an exchange, which I declined. 

To be clear : I did not refuse a reasonable resolution. I requested a refund, as the product is defective and unusable. An exchange for another item from the same merchantwho already failed to provide a product of acceptable qualitywas not a fair or appropriate resolution. 

I am therefore requesting reconsideration of my claim and a reinstatement of the refund, as I believe this transaction constitutes a clear case of receiving defective merchandise and the merchants refusal to honor their stated return policy.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-30 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: TX

Complaint narrative:
This correspondence serves as my formal dispute against a fraudulent account that has been wrongfully attached to my credit file. I have no association with this account, nor have I given any authorization for it to exist under my name. Its presence constitutes a serious inaccuracy and is harmful to my financial reputation.

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 2025-09-30 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: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX wrote off an auto loan that I held, but I never received a 1099-C cancellation of debt form. Despite this, Experian continues to report the account as negative, showing both repossession and charge-off. I previously disputed this account with Experian in XX/XX/XXXX, but the inaccurate reporting remains. 

This reporting is misleading and inaccurate, as it suggests I still owe a debt that was officially written off. I have submitted supporting documentation, including my FTC Identity Theft Report and dispute letters. I request that Experian delete this account entirely from my credit report. 

This experience has harmed my credit reputation and created unnecessary stress. I want others to learn from this situation so they are aware of potential issues with credit reporting after an account is written off.

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 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/year> my mortgage refinance with PenFed Mortgage closed. I was not happy with the fact that the discounts on closing costs I was promised were not there on the settlement statement and the final rate was worse than I expected. 

I disclosed to the loan processor I may rescind the loan after I further inspect my closing documents upon receiving the documents but they never came. 

My XXXX day recision period was nullified by the fact that PenFed and the title company never sent me the documents until AFTER the loan funded.

I have attached the email correspondence requesting my closing documents on multiple occasions with PenFed. 

I also attached a copy of the settlement statement showing the loan dispersed the same day I received my copies of the documents. Including my loan rescission forms.

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 2025-09-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX SSN : XXXX Date XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Subject : Noncompliance and Lack of Verification under FCRA To Whom It May Concern : This is my second dispute regarding the following unauthorized inquiries on my credit report. In the first attempt, I did not receive proper verification or supporting documentation to justify their presence. 

Disputed inquiries : - XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b, all inquiries must have a permissible purpose. Furthermore, according to METRO 2 guidelines, inquiries must be associated with an active account or formal request.

I hereby demand : 1. Immediate deletion of all unverified inquiries.

2. A copy of the signed contract or evidence of my authorization.

3. Correction of my report according to the accuracy obligations under 607 ( b ).

If this issue is not resolved, I reserve the right to file a formal complaint with the CFPB and other relevant agencies. 

Sincerely, 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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened a chase sapphire reserve credit card around XXXX to use the new benefits that had been advertised by the card. One of the benefits is a dining portal credit- explained on the webpage as just needing to use an eligible card on a restaurant marked on their portal as being eligible. I made an eligible purchase on XXXX for a restaurant flagged on their webside. I have't recieved the credit yet, even though I have called multiple times and have had the transaction confirmed as eligible by their representatives multiple times. Every time I call, I just get asked to wait for longer for the credit to be psoted. At this point, I believe the terms and conditions for the credit have been broken and there hasn't been any attempt from the company to make me whole

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute the accuracy of information reported on my credit file.

The account in question is : Creditor/Lender : XXXX Account Number : XXXX Status : Closed, {$0.00} Balance This account was paid in full and closed, yet it continues to appear on my credit report in a way that is inaccurate and misleading to potential creditors. The reporting of an inactive account that carries no balance but still negatively affects my creditworthiness is neither complete nor verifiable as required under FCRA 602 ( A ), 607 ( B ), and 611 ( A ).

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I am formally requesting : 1.A reinvestigation of this accounts accuracy ; 2.The deletion or correction of any incomplete or unverifiable information ; 3.A copy of all documentation the furnisher has provided that substantiates their reporting of this account ; 4.Notification to me in writing of the results of your investigation within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ).

If the furnisher of this information can not provide verifiable proof that this closed account with a XXXX balance is being reported accurately and in compliance with the law, it must be deleted from my credit file. Continuing to report unverifiable or inaccurate data violates FCRA 607 ( B ) which requires maximum possible accuracy of information. 

Please note that I am keeping detailed records of all correspondence. 
I appreciate your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I am writing under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute the accuracy of information reported on my credit file.

The account in question is : Creditor/Lender : XXXX XXXXccount Number : XXXX Status : Closed, {$0.00} Balance This account was paid in full and closed, yet it continues to appear on my credit report in a way that is inaccurate and misleading to potential creditors. The reporting of an inactive account that carries no balance but still negatively affects my creditworthiness is neither complete nor verifiable as required under FCRA 602 ( A ), 607 ( B ), and 611 ( A ).

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I am formally requesting : 1.A reinvestigation of this accounts accuracy ; 2.The deletion or correction of any incomplete or unverifiable information ; 3.A copy of all documentation the furnisher has provided that substantiates their reporting of this account ; 4.Notification to me in writing of the results of your investigation within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ).

If the furnisher of this information can not provide verifiable proof that this closed account with a zero balance is being reported accurately and in compliance with the law, it must be deleted from my credit file. Continuing to report unverifiable or inaccurate data violates FCRA 607 ( B ) which requires maximum possible accuracy of information.

Please note that I am keeping detailed records of all correspondence.

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing in my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to reinvestigate and delete or correct this information within 30 days XXXX XXXX XXXX XXXX XXXX ( Acct. XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ( Acct. XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  ( Acct. XXXX XXXX XXXX XXXX XXXXXXXX )

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 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX was fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-09-30 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error The creditor 's failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of the accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX .As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we have already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). 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 2025-09-30 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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error The creditor 's failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of the accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX .As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we have already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: OH

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-30 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: CA

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 XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3700.00} Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$1300.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In XXXX, I discovered fraudulent accounts opened in my name with online lenders. The first was a line of credit from a national bank, and the second was purchased by a debt buyer. I never authorized either account, yet both were reported on my credit files. 

I submitted disputes directly to the credit bureaus multiple times, but one bureau verified the accounts as accurate without providing evidence, despite my documentation showing they were fraudulent. The accounts were also sold and transferred, resulting in duplicate reporting, which added to the harm. 

I filed an FTC Identity Theft Report and submitted certified dispute letters. Despite this, the bureaus have not permanently deleted the fraudulent accounts, and collection notices continued. I am seeking permanent removal of these accounts and proper compliance with federal law. 

This experience highlights the importance of proper investigation, timely action by credit bureaus, and protection against identity theft.

Company response to consumer: Closed with explanation