vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing regarding my auto loan. Despite making my regular monthly payments, I have been charged late fees totaling XXXX. I attempted to resolve this multiple times by phone but was placed on hold for over 15 minutes on two separate calls without ever reaching a manager.

This is not the level of service I expect from Wells Fargo. The late fees are not only a financial burden but also the direct result of service failures beyond my control. I am requesting that these fees be waived as a goodwill adjustment so that my account remains in good standing. I value my relationship with Wells Fargo, but I will not accept being penalized for issues I made good faith efforts to resolve.

Thank you for your prompt attention. 
Sincerely, 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 2025-08-25 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: SC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$27000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account with Citi bank and I did a mobile deposit check of about {$1500.00}. As this was processing Citibank closed my account saying I violated company policies but I did nothing of the sort. And now when I try to make a new account with any bank they say that there is an XXXX XXXX XXXX  and accounts cant be opened. I cant live my life without opening a bank account I need to be able to open one please help!!!

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 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
Ive never used this bank or took this loan or whatever it was.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My fianc went to the ATM at BMO XXXX XXXXXXXX XXXXXXXX XXXX. she inserted the card, got the cash ( XXXX ) and receipt but not the card back. She went to the banker and the banker laughed and said that has happened multiple times that day alone, she explained she didnt have a key to the ATM and that she had no contact to access the ATM. She went on to say if the ATM didnt give me my card back, that it shredded the card. She seemed not very sincere in the process of telling me, she said she could give me a temporary card and i told her i didnt bank with them. I explained that if i was from out of town ; what was i supposed to do? The person in the back ( male ) came over smiling saying that it happens there is nothing they could do. I raised my voice to explain if that had happened to one of them theyd be pretty upset, but instead they arent offering any type of resolution or even apologizing for that happening. My concern with them was that they arent informing any customers coming through, but acknowledged that this was happening. She explained there was no reason to put a note as any ATM can do that, i told her that was reasonable but that if its happened so many times in one day, then something is wrong with the machine. When i explained i would report this to the CFPB she laughed.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Issue : Western Funding is reporting duplicate, inconsistent, and false derogatory tradelines for a single auto loan account that was resolved through an insurance settlement after my vehicle was declared a total loss. 

Details of the Problem : Western Funding reported the account in XXXX conflicting ways : Charge-off / Paid less than full balance XXXX days late/ Settled less than full balance This creates the false impression of XXXX separate defaults, when there was only XXXX. 
Western Funding was fully aware the vehicle was declared a total loss and that the account was resolved via insurance payout. Despite this, they knowingly reported derogatories, in bad faith. 

Violations of Law : FCRA ( 15 U.S.C. 1681s-2, 1681n ) : Inaccurate and misleading reporting, with willful noncompliance.

FDCPA ( 15 U.S.C. 1692e ( 8 ) ) : False/misleading credit reporting. 

XXXX  XXXX ( XXXX XXXX XXXX ) : Deceptive practices, allows treble damages. 

XXXX XXXX ( XXXX. XXXXXXXX XXXX XXXXXXXX ( a ) ) : Prohibits knowingly inaccurate reporting. 

XXXX  XXXX XXXX ( XXXX. XXXXXXXX XXXX XXXXXXXX ) : Prohibits misleading debt reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) reporting that is technically accurate but misleading violates the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) duplicate/inconsistent reporting XXXX support liability.

Resolution Requested : 1. Permanent deletion of all Western Funding tradelines.

2. Compensation of {$25000.00} for damages, consistent with FCRA, FDCPA, XXXX, and XXXX  law. 
Harm Experienced : False reporting damaged my credit, caused financial/reputational harm, and emotional distress during a period when I was already navigating an insurance payout battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: OH

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXXXXXX / XXXXXXXX XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX  XX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXXXXXX / XXXXXXXX XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX  XX/XX/XXXX / XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your claim of an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of the debt you claim I owe. 

Please provide the following information : 1.The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges.

2.The name of the original creditor and account number associated with this debt.

3.A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt.

4.Documentation that proves you are authorized to collect this debt in my state.

5.A complete payment history, showing how the amount you claim is owed was calculated. 

Until these documents are provided, please consider this account disputed. Additionally, during this validation process, you must cease all collection activities, including phone calls and reporting to credit bureaus, until you have supplied the requested information. 

Be advised that I am keeping records of all correspondence. If you fail to provide proper validation, any further collection activity will be considered a violation of the FDCPA, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office in my state. 

Best Regards

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a scam, which resulted in XXXX charges, XXXX of {$1000.00} and XXXX {$250.00}. I immediately called Truist Bank the day it happened. I was told that all I could do was dispute the charge AFTER it had posted to my account. I did dispute the charges, and the {$250.00} was credited to my account. After several days, the dispute of the {$1000.00} was shown as closed on the website but I did not receive any communication about this. When I called to inquire, the employee that answered the phone was not able to provide an answer or connect me with someone who could. It sounded like it was someone reading from a script or possibly and automated service. 
On Friday, XX/XX/XXXX, I visited a Truist Branch. The person I spoke with there told me that they could have frozen my account to any transactions before the fraudulent charge posted, since I had called before it posted. She told me there was nothing they could do. I was wrongfully told that they could not have stopped the charge, when they could have. I just want my account to be removed from overdraft so I can close it. I understand the fraud was not theur fault, but it could have been stopped if I had been given the choice to freeze the account when I initially called on XX/XX/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 2025-08-25 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: CA

Complaint narrative:
In XXXX, I was charged {$690.00} for a booking made through XXXX. I disputed this charge with my credit card issuer because the service was not properly provided. I submitted documentation and supporting evidence multiple times. 

Despite my repeated attempts, the dispute has remained unresolved for over XXXX years. My credit card issuer failed to comply with the Fair Credit Billing Act ( FCBA ), which requires that billing disputes be investigated and resolved within XXXX billing cycles, not exceeding 90 days. 

My issuer has not provided a meaningful resolution, has continued to uphold the charge, and has failed to complete the dispute process in a timely and lawful manner. This delay is unreasonable and in direct violation of federal consumer protection laws. 

I am requesting a full reversal/refund of the {$690.00} charge, confirmation that the dispute will be properly investigated and resolved in compliance with the FCBA, and assurance that no negative credit reporting has resulted from this mishandled dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unverifiable personal information that is currently being reported on my credit files by the XXXX major credit bureaus : Experian, Equifax, and TransUnion. Despite my best efforts to have this information corrected, it remains on my reports and is a misrepresentation of my personal history. 

The following information is inaccurate and I request that it be immediately removed from my credit reports : Incorrect Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at the addresses listed above. The presence of this incorrect data could negatively impact my ability to obtain credit or may be a sign of a more serious issue such as identity theft. I am a victim of this inaccurate reporting and am suffering harm as a result. 

I have included copies of my most recent credit reports showing the inaccurate information. I am requesting a thorough investigation by your office into this matter and that the CFPB direct the credit bureaus to correct and remove this information from my files. I also request that you take all necessary steps to ensure this inaccurate information is not reinserted into my credit reports at any point in the future. 

Your assistance in this matter is greatly appreciated. Thank you for your time and attention to this urgent 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