vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid off my auto loan with Wells Fargo on XX/XX/year>. I later canceled my XXXX extended warranty, and XXXX confirmed on XX/XX/year> that the {$4000.00} refund was approved and that Wells Fargo specifically requested to issue the refund directly to me. 

It has now been over six weeks since XXXX processed the refund, but I have not received payment or confirmation from Wells Fargo. Each time I call, Im told different timelines ( 710 days for processing and another 10 days for the check ), yet no progress occurs. Ive provided the refund amount and verification multiple times. 

Im requesting immediate action for Wells Fargo to issue the {$4000.00} refund that has been delayed without explanation.

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 monetary relief
Consumer complaint received 2025-10-21 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I purchased airline tickets through the XXXX XXXX XXXX using a Citi credit card offer that was clearly promoted as no interest payments. The offer did not disclose any monthly fees before I accepted. After completing the transaction, Citi emailed me stating that monthly fees would apply to the XXXX XXXX. The email confirmation I received from XXXX XXXX also does not mention any XXXX XXXX  fees or additional costs, which further supports that the fees were not clearly disclosed prior to acceptance. 

On XX/XX/year>, I spoke with Citi XXXX XXXXXXXX XXXX XXXX XXXX ), who confirmed that he could cancel the XXXX XXXX  but would not remove the first XXXX  fee. I then spoke with XXXX, a XXXX Account Manager from Arizona, who refused to provide his last name or ID number and also declined to reverse the fee. Because of this lack of transparency and poor customer service, I requested Citi close both of my credit card accounts. 

These monthly XXXX  fees were not disclosed prior to acceptance and therefore change the cost of credit. I believe this violates the Truth in Lending Act ( Regulation Z ) because finance charges must be clearly disclosed before a consumer agrees to the terms. 

I am requesting that Citi : XXXX the XXXX XXXX  monthly fees without charging interest. 
Provide written proof showing where the fee was disclosed BEFORE I accepted the offer ; and correct this misleading marketing practice for future customers. 

Supporting documents attached : Email confirmation from XXXX XXXX showing no XXXX  XXXX  fees listed Email from Citi showing XXXX XXXX fees after acceptance Thank you for reviewing 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 monetary relief
Consumer complaint received 2025-10-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am disputing inaccurate information on my credit report regarding my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My records show I did not have late payments in XX/XX/year> ( 30 days ) and XX/XX/year> ( 60 days ), yet these are reported incorrectly.Under the Fair Credit Reporting Act ( FCRA ), Sections 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), I have the right to request correction of incomplete or inaccurate information and for the credit bureau to reinvestigate.

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 2025-10-21 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: TX

Complaint narrative:
I am submitting this statement pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to document recent instances where I was denied credit due to information contained in my consumer credit report.

Specifically, I have been : Denied approval for a credit card application, Denied approval for a mortgage loan, and Denied or offered a vehicle loan only at a higher interest rate than advertised or qualified applicants typically receive.

These adverse credit decisions were based, in whole or in part, on information obtained from one or more consumer reporting agencies. Pursuant to FCRA 615 ( a ) [ 15 U.S.C. 1681m ( a ) ], I was entitled to be notified of the source of the credit information used in each decision and to receive a free copy of my credit report to verify its accuracy.

Under the FCRA 611 ( 15 U.S.C. 1681i ), I am asserting my right to request that all information contained in my consumer file be investigated, verified, and corrected or deleted if found to be inaccurate, incomplete, or unverifiable. Any unverifiable or outdated data contributing to my credit denials must be removed immediately in compliance with federal law. 

These repeated credit denials have caused measurable harm, including financial loss and damage to my credit reputation. Therefore, I request a full reinvestigation and written confirmation of the actions taken to ensure that my consumer file accurately reflects verifiable and current information only. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XX/XX/year>, a transaction for {$95.00} Zelle payment was authorized on checking account. A claim/dispute was filed on XX/XX/year> with the financial institution and merchant in an attempt to recover the funds that were used. The financial institution investigated the transaction and the result on XX/XX/year>, was that the claim/dispute filed was denied because, the funds could not be recovered from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I am reporting multiple errors and misconduct by my student loan servicer that have caused financial and administrative harm. My loan balances are inaccurate, several payments have been misapplied or not credited at all, and my recent applications for income-driven repayment ( IDR ) and forgiveness programs were wrongly denied or delayed without proper explanation. 

I have contacted the servicer numerous times, provided documentation, and requested written correction of my account. Despite this, the servicer has not resolved the errors or provided a clear accounting of my payments and accrued interest. These issues have affected my eligibility for federal forgiveness programs, including Public Service Loan Forgiveness ( PSLF ), and have resulted in unnecessary stress and financial strain. 

I am a XXXX XXXX veteran and currently employed by a nonprofit organization. I am requesting that the Consumer Financial Protection Bureau review the servicers actions, ensure my account is corrected, and determine whether the servicer violated federal regulations related to borrower rights, repayment plans, and data accuracy.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLCP.O . Box XXXX XXXX XXXX Subject : DEMAND FOR REMOVAL Dispute of Inaccurate Installment Loan Entry Under FCRA To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding false and damaging information being reported on my Equifax credit report. I am demanding an immediate reinvestigation and permanent deletion or correction of the following inaccurate and/or unverifiable installment loan entry : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Installment LoanReported Balance : $ XXXX Opened : XXXXStatus : CLOSED 30 DAYS LATE PAIN IN FULL Dispute Details : This account is being falsely reported with information that is either inaccurate, outdated, incomplete, or completely unverifiable. 
* I never took out this loan. This is a fraudulent account, possibly due to identity theft. 
* I requested verification from the creditor directly, and they were unable to provide documentation. 
Legal Notice : Under the FCRA, Equifax is legally obligated to : 1. Reinvestigate any disputed item within 30 days of receipt. 
2. Delete any item that can not be verified or substantiated by the furnisher. 
3. Provide written results of the reinvestigation and send a free, updated credit report.

4. Disclose the name, address, and contact of any entity used to verify the item. 
Failure to comply will be taken as a willful violation of federal law, and I will escalate this matter with : * The Consumer Financial Protection Bureau ( CFPB ) * The Federal Trade Commission ( FTC ) * My State Attorney Generals Office * And, if necessary, I will pursue legal remedies for damages, legal fees, and correction of my credit report. 
I am attaching documentary evidence supporting this dispute. If you are unable to verify this account with concrete documentation from the original creditor, it must be immediately removed from my file under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I urgently ask that the inaccurate late payment be deleted from my credit report. My record reflects perfect payment history, and this error has been distressing and disruptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
RE : Request for Debt Validation To Whom It May Concern : I am responding to your phone call regarding an alleged debt. This is not a refusal to pay, but a request that you validate the debt as required under the Fair Debt Collection Practices Act. 

Please provide all the following : The name and address of the original creditor. 

Assignment contract or full chain of assignment at account -level documentation ( signed contract, statements charge-off details ) The full amount of the alleged debt, including a breakdown of any interest or fees how the balance was calculated. ( principal, interest, fees ) Documentation showing that I agreed to assume this debt. 

Proof of licensing and bonding to collect in my state and legally authorized to collect this debt. 

If you can not provide this documentation, please stop all collection efforts and remove any negative credit reporting related to this alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I refinanced my federal student loans through SoFi Bank, N.A. after attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The U.S. Department of Education identified XXXX  in the XXXX XXXX XXXXXXXX settlement ( Case No. XXXX, XXXX. XXXX. ), Exhibit C, as an institution with strong indicia of misconduct. That federal finding indicates that XXXX students were likely misled about program quality, accreditation, and career outcomes.

My SoFi loan replaced federal loans that were directly tied to this school. Despite written requests, SoFi has not provided any review or relief acknowledging the Department of Educations determination. I believe continuing to enforce repayment on loans connected to a school with documented misconduct, without review or adjustment, constitutes an unfair and deceptive practice under consumer-protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: OH

Complaint narrative:
15 u.s code 1681 a4 Bankruptcy listed in public records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: OH

Complaint narrative:
15 u.s code 1681 a4 Bankruptcy listed in public records

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 2025-10-21 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: NY

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies on my credit report. The report contains incorrect addresses including XX/XX/XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX Additionally, the accounts XX/XX/XXXX{$360.00} ), XXXX XXXX XX/XX/XXXX( {$2600.00} ), andXX/XX/XXXX {$8600.00} ) XX/XX/XXXX are listed as charge-offs, and the accounts XXXX XXXXXX/XX/XXXX( {$820.00} ) and XXXX XXXX XXXX XXXXXX/XX/XXXX( {$640.00} XX/XX/XXXXare listed in collections. I am disputing these entries as inaccurate or unverifiable. Furthermore, the inquiries from XXXXXX/XX/XXXXXX/XX/XXXX and XXXX XX/XX/XXXX are being challenged as unauthorized or improperly reported. 

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain maximum possible accuracy in the information reported. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] also provides consumers the right to dispute inaccurate information and requires that credit bureaus conduct a reasonable and timely reinvestigation of any disputed items within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to XXXX Bank dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), MACYS/CBNA has failed to respond, verify, or correct the information within the required thirty ( XXXX ) days. Under XXXX U.S.C. XXXX ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since MACYS/CBNA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX Banks immediate compliance with FCRA requirements. MACYS/CBNA 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 2025-10-21 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: NY

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple inaccurate and unverifiable personal identifiers and account information currently appearing on my credit reports. My credit file includes several incorrect name variations, including XXXX XXXX and XXXX XXXX, which do not match my legal name and appear to be the result of reporting errors. Additionally, two addresses XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and XXXX XXXX XXXX, XXXX, NY XXXX are listed in my credit file despite having no valid or verifiable association with me. These inaccuracies create confusion and increase the risk of misidentification or fraudulent activity. Furthermore, my credit report includes an account from XXXX with an account number ending in XXXX XXXX XXXX XXXX XXXX that I do not recognize or authorize. The presence of this unverified account further compromises the accuracy and integrity of my credit profile. These errors may violate FCRA 607 ( b ), which requires that credit reporting agencies maintain only the most accurate and complete information, and 611 ( a ), which mandates a reasonable reinvestigation of any disputed item.

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 2025-10-21 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 recently reviewed my credit report and discovered several entries that appear inaccurate, outdated, or unverifiable. After reviewing my files in detail, I am requesting an immediate deletion under my rights granted by federal consumer protection laws. 
The following items require review and deletion if they can not be fully verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a complaint with Chase Bank about XXXX not delivering me my tickets. Evidence shows that XXXX sent the tickets to the wrong email. XXXX claims I entered the wrong email, but I used XXXX and the information was grabbed ( incorrectly ) from there. I did not enter anything in incorrectly. 
The evidence shows this, and the evidence also shows that the incorrect email XXXX sent the tickets to is not valid, rendering it impossible for the tickets to have been successfully delivered. 

Chase sided with XXXX even after my evidence was submitted. I have not received the case report after several weeks of waiting. I asked for the evidence to see what type of ( false ) information XXXX provided. I need to see what they have provided so that I can find more evidence if needed to prove my case. 
Without the report I do not know what Chase has seen as evidence. 
And again, my evidence DOES show that tickets were not delivered. The evidence given to them by XXXX also states I paid with XXXX, which means I did NOT enter anything incorrectly. 

It is my belief that after submitting more evidence Chase has not looked at the case, reopened it, or taken the matter further. It is also my belief that my evidence should be sufficient enough to side with me, or at the very least request more evidence. Chase prematurely closed the case and revered my claim awarding VividSeats money that was essentially stolen from me.

Company response to consumer: Closed with explanation