vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: SC

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 2025-07-10 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: CA

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 2025-07-09 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-09 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of one or more collection accounts currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request a reasonable reinvestigation of any item I believe to be inaccurate. Additionally, 15 U.S.C. 1681s-2 ( b ) requires data furnishers ( such as collection agencies ) to investigate and respond to disputes within 30 days. 

Over 30 days ago, I submitted a method of verification request directly to the collection agencies reporting the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  As of today, I have not received any documentation or response from the reporting agencies verifying the accuracy, ownership, or legitimacy of these debts. According to 15 U.S.C. 1681i ( a ) ( 5 ), if an item can not be verified during the reinvestigation, the credit reporting agency must promptly delete it from the consumer 's 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 2025-07-09 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: CA

Complaint narrative:
There are multiple inquiries on my credit report tied to applications I did not initiate or authorize. I do not recognize these companies, nor did I give them permission to access my credit information. These unauthorized inquiries have harmed my credit score and caused considerable stress.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
A wage garnishment was applied to my paycheck without any prior notice. I only found out after seeing the deduction. Days later, I received a poor-quality photocopy of a court documentmostly unreadablewith my Social Security number handwritten in pen. The judgment appears to date back to 2021. 

This unexpected garnishment caused serious hardship. I had to cancel a doctors appointment, bloodwork, and a prescription, and I took out a loan to cover basic bills. I contacted my employer, but the person responsible for garnishments hasnt responded to my emails. 

I believe this garnishment is based on outdated information under very different financial conditions. Im three years sober and just finished repaying the IRS. Im requesting CFPB review whether proper notice and legal procedures were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My wife and I opened a XXXX XXXX Saving Account with Openbank on XX/XX/year>. We funded the account with our funds from a checking account at XXXX  XXXX XXXX Account owned by us. Transaction Amount USD {$250.00}. 
Almost one month later we wanted to fund a real estate transaction with this funds but learned Openbank do not offers wire transfer services. So, on XXXX  XX/XX/XXXX we transferred XXXX to an XXXX XXXX  Account established XXXX years and also owned by us. 
On Monday XX/XX/year> we noticed Openbank instead of transferring the money to our XXXX XXXX  Account as requested, they blocked our account. 
No info has been provided by Openbank on why our account was blocked. Still they have not reached out. XXXX communication from them. 
When we contacted the bank their first response was, that try to transfer money out to soon could be considered suspicions. In the agent 's opinion the issue could take 2 days to be resolved. 
On XXXX  XX/XX/year> we again contacted Openbank and an agent ( XXXX ) asked questions again about the transaction and why the need to move the money out. All his questions were answered. 
On XXXX  XX/XX/year> we contacted Openbank requesting to talk to a manager and/or the fraud department to try to resolve the issue or provide the info they may need. The agent 's ( XXXX XXXX response was that she can not help and that the only info she can provide is that our account is " under review '' and that this could take between 60 and 90 days. 
We had to withdraw the offer we made on the property we wanted to acquired.

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 2025-07-09 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: CA

Complaint narrative:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal distress. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : Account : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX XXXX  Issue : This account is inaccurately reported as charged-off and has not been properly validated Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 8 ) furnishers must report complete and accurate data Story : I was never properly notified regarding the charge-off, and the reported balance is in dispute. I request a full reinvestigation with proper documentation including original signed contract and detailed payment history. If validation can not be provided, this account must be deleted Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} XXXX XXXX Issue : This charge-off appears to be reported with inaccurate balance and incorrect status Law : FCRA 602, 607 ( b ), and 623 ( a ) ( 1 ) requires accurate, verified, and substantiated account data Story : I never defaulted on this account, and the current reporting does not reflect any payment history or correspondence from the creditor. This reporting may be causing me unjust harm. Please provide evidence of the charge-off with contract and billing details or remove this entry REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage. 
Thank you for your 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint against Wells Fargo Bank regarding their refusal to resolve a legitimate debit card dispute, despite my submission of detailed documentation and explanation to several customer services representatives, including supervisors, as well as compliance with all of their procedures. 

On XX/XX/2025, I was charged {$6400.00} by XXXX for their luxury limousine services for an event I had planned. However, on the day of the event the merchant failed to provide the promised service and later did not issue a refund even after they promised to do so on XX/XX/2025. I made several attempts to contact the merchant to resolve the issue. Unfortunately, all my attempts were unsuccessful. Therefore, I had to file a dispute with Wells Fargo Bank. With my dispute, I provided supporting documentation, including the invoice, the refund receipt, and a printout of the email from the merchant providing an explanation why they were unable to fulfill the service on the agreed upon date. The bank denied my dispute based on reasons unrelated to my role as a customer or the facts of the transaction. I consistently followed up with the bank with written and verbal communication, but the bank upheld the denial without appropriately addressing the merchants non-compliance. 

This is unfair because the banks denial appears to ignore the protections afforded to consumers under Regulation Z of the Truth in Lending Act, which grants the right to dispute charges for goods and services not received or as promised. The merchant clearly failed to meet their obligation, and I, as the consumer, am left financially harmed with no adequate explanation or remedy from my bank. 

I am requesting that the CFPB review this matter and intervene as appropriate. I would like a full credit in the amount of {$6400.00}. I am attaching all relevant supporting documentation for your review.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted Chase on XX/XX/year> and spoke with XXXX seperate represantive requesting that they stop allowing transaction to go through when funds are not available when i was notified that that XXXX seperate tranactionswent throughfrom different merchants and my account was over drawn. I wan advised that thisrequest cant be honored because CHASE makes an excetive decison based XXXX the history of the customers account anddetermines if they will allow certain transaction to go through .. i couldnt believe thisis what im being told, so now you guys are forcing customers to be in debt with you? i was transfered to a manager and told the same .. i immediately argued that they are literally making the decion to allow tranactions to go through and owe them on the back end and have the audacity to charge a nsf fee for each tranaction of XXXX .. on the day in question my account was overdrawn foir XXXX and XXXX monthly service fee .. it is as of date overdrawn XXXX which includes XXXX seperate fees of XXXX .. this loan sharking at its finest and i DO NOT UNDERSTAND WHY AND HOW JP MORGAN isallowed to do this unethical practice..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Formal CFPB Rebuttal Complaint I am writing to formally clarify my complaint, explicitly rejecting XXXX XXXX misclassification of my dispute as identity theft. My issue centers solely on fraudulent practices and negligence by XXXX XXXX and XXXX XXXX, not identity theft. 

XXXX XXXX violated South Carolina law ( S.C. Code 56-19-210 ) by failing to register the vehicle title within the mandated 45-day timeframe after purchase. This critical failure directly resulted in the towing companys lawful refusal to release the vehicle to me following my accident in XX/XX/year>, as documented by the South Carolina XXXX XXXX. 

XXXX XXXX compounded this issue by improperly delaying my claim for 83 days and subsequently denying it without providing a clear, valid explanationciting only a vague fraud claim. This denial potentially constitutes bad faith under South Carolina law ( S.C. Code 38-59-20 ). 

XXXX XXXX further exacerbated the situation by inaccurately labeling this dispute as identity theft and charging off my loan without conducting a proper investigation into the dealerships failure to transfer the title. This wrongful action has severely and unjustly damaged my credit score and financial stability. 

I demand immediate correction of this misclassification, removal of negative credit reporting, and a thorough, transparent investigation into the practices of XXXX XXXX, XXXX XXXX, and XXXX XXXX. My complaint is about dealer fraud and insurer negligence, not identity theft.

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 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
We currently has our mortgage with Global Credit Union. We're trying to have our PMI removed since we made a lump sum payment to bring our loan to value down to 80 %. 

We've contacted Global back in XXXX of 2025 to start the process. We have a broker price option ( BPO ) done. The report came back that our property 's value had dropped. The broker suggested that we should have another one done during the summer time. 

In XXXX of XXXX, we started our process again, this time we've asked the lender to do a formal appraisal instead of a BPO. We've followed the process that was asked by submitted a written request via traditional mail, we've expressed that we understood that a formal appraisal would cost more than a BPO and is pay by us. We've exchanged few messages, phone calls as well as hand written request via traditional mail. 

When we spoken to the agents over the phone and online message, the agents can't seem to provide any information in regards to how we could move forward with the appraisal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Valon Technologies, Inc.
State: AZ

Complaint narrative:
Valon Mortgage filed negative and false reporting on XXXX XXXX XXXX credit reportings on XX/XX/XXXX. 

I called Valon on XX/XX/XXXX saying it would be resolved and it has not been. 

I emailed twice and it has not been resolved. 

I called again XXXX and they said they has not been able to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint concerning XXXX accounts on my credit report that have been wrongfully charged off and continue to negatively impact my credit standing : XXXX, XXXX XXXX  ( XXXX XXXX ), and XXXX ( XXXX XXXX XXXX XXXX. I believe these accounts are being reported with significant inaccuracies and possibly in violation of the Fair Credit Reporting Act ( FCRA ). 

For XXXX, the reported dates across credit bureaus are inconsistent. For example, XXXX bureau lists the last payment as XX/XX/XXXX while another lists XX/XX/XXXX, and yet another reflects a last active date in XXXX. This internal conflict calls into question the accuracy and validity of the account status. Furthermore, the account is marked both as " charged off '' and " closed due to inactivity, '' which are contradictory statuses. This misrepresentation damages my credit profile and misleads lenders. 

The XXXX account shows a high past-due balance and charged-off status, but I have no recollection of authorizing or maintaining such an account. It remains disputed, yet no resolution or documentation has been provided to validate the debt. Under FCRA 611, I have the right to a timely investigation, which has not occurred. 

Lastly, XXXX reported a charge-off and repossession, but again, there has been no communication or validation. If the vehicle was repossessed, the balance due should be adjusted based on resale value, which has not been reflected. 

I request that each of these companies investigate the errors and either provide concrete documentation to support their claims or remove the derogatory items entirely. Ive also filed formal disputes with the credit bureaus and complaints with the CFPB. I am seeking full deletion or verified correction of these entries and would appreciate XXXX  help in holding these companies accountable.

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