vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-13 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: MD

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and resolve credit report disputes. I used their monitoring services and submitted dispute requests regarding inaccurate or unverifiable items. Experian failed to correct the errors and repeatedly reinserted disputed data without proper notice or validation, which violates my rights under the FCRA and 15 U.S.C. 1681i. 

My experience aligns with the CFPBs public lawsuit filed on XX/XX/year>, which accuses Experian of sham investigations and re-inserting items without lawful basis. Despite paying for services and seeking resolution, Experian failed to respond properly, correct the record, or justify their actions. I revoked further consent and canceled service due to this ongoing misconduct. This complaint builds on prior filings already on record with CFPB involving related financial misconduct and credit reporting abuse. I request full review, corrective action, and regulatory penalties where appropriate.

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 2025-07-13 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Apple Credit Card has been locked with no explanation. I contacted an agent stating it was locked due to bankruptcy. I have never filed for bankruptcy. I have a balance that needs to be paid, but they are stating I wont receive any updates until XXXX business days. My credit score is at risk of being impacted due to an error in their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX, XXXX, XXXX It says I have missed payments when the company said they would move one payment to the back of the loan thats it not three consecutive misses. Experience doesnt have me for 3 missed payments.. I believe this is incorrect and false information has been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AZ

Complaint narrative:
My XXXX XXXXXXXX account was closed in XXXX 2025, yet it is still reporting late payments from XXXX through XX/XX/year>2025 including 30, 60, 90, and 120-day delinquencies. According to FCRA 611 and Metro 2 reporting guidelines, closed accounts should not continue to reflect new late payments unless those delinquencies occurred before the closure date and were delayed in being reported which is not the case here.

I previously disputed this information twice, and while the disputes were marked accepted, the data has not been corrected.

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 2025-07-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
email, and letter sent : Date : XX/XX/XXXX To : Citi Cards Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Rebuttal Dispute Case XXXX Merchant : XXXX / XXXX  Citi Denial Letter Date : XX/XX/XXXX Outstanding Disputed Amount : {$4100.00} Dear Citi Dispute Resolution Team, I am writing in response to your denial letter dated XX/XX/XXXX, in which you stated that my dispute under case XXXX could not be continued because the merchant was 'unwilling to issue a credit. ' Respectfully, this reasoning does not align with XXXX  official chargeback policies under Reason Code 4853 Goods or Services Not Provided or Misrepresented. This code allows the issuer to initiate a chargeback if : - The merchant failed to provide the service, - The merchant materially misrepresented the service, - Or the merchant promised but failed to issue a refund.

All of these apply to my case. I paid {$9500.00} to the merchant on XX/XX/XXXX. The merchant issued a written refund confirmation ( Sent to CITI earlier ) that the amount would be refunded between XX/XX/XXXX and XX/XX/XXXX. That refund never occurred. Instead, XXXX XXXX, who were unaware of the actions taken by XXXXXXXX XXXX XXXX, independently refunded {$5400.00}, leaving {$4100.00} unrefunded by the merchant. I filed my dispute with Citi on XX/XX/XXXX, XXXXwell within XXXX  acceptable time frame, which is measured from the date the service was expected to be provided ( XX/XX/XXXX ). 

It is not a valid justification to deny a chargeback request solely on the grounds that the merchant refuses to cooperate. In fact, XXXX rules allow the issuer to file a chargeback even if the merchant does not agree, so long as the evidence supports the claim.

I respectfully request that Citi reopen this case and proceed with the chargeback for the {$4100.00} still owed to me. Alternatively, I request a detailed written explanation referencing the applicable XXXX chargeback policy or Citi internal regulation under which this case was denied. 

Thank you for your attention. I look forward to a prompt and fair resolution.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am filing this complaint against Wells Fargo Bank for wrongfully denying my fraud claim related to an imposter scam, despite the fact that I followed all normal precautions, received communication that appeared to be from the bank, and reported the fraud within minutes of it occurring. 

On XX/XX/year>, I received a text message from Wells Fargo asking whether I recognized a {$450.00} charge in North Carolina. I responded N, and shortly after, I received a phone call that appeared to be from Wells Fargo. The caller used my full name and referenced specific account information that gave me the strong impression that it was a legitimate Wells Fargo representative. They warned me about a potential fraudulent transaction of {$8500.00} and instructed me on how to protect my account. I followed their instructions, as I had done previously during legitimate fraud alerts from Wells Fargo.

After the call, I became concerned and immediately contacted Wells Fargo customer service. I was informed that the call was fraudulent, and I filed a fraud report within approximately 10 minutes of the transaction. Despite my prompt action, Wells Fargo denied my fraud claim.

Whats especially concerning is that a Wells Fargo representative acknowledged during the call that the bank is aware of this scam, which has affected other customers. I was never warned about this scam in advance via email, app notification, or secure message. No public alert was issued despite Wells Fargos knowledge that customers were being impersonated and that spoofing of Wells Fargo numbers was occurring.

Wells Fargo initiated the text alert that triggered my trust in the following call. In my view, they share direct responsibility for creating the circumstances under which this fraud took place. Additionally, I complied with all past and current account protections.

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 2025-07-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-13 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: AL

Complaint narrative:
I was a victim of identity theft and I have court documents to prove it and police reports and creditors and credit bureaus refuse to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was a victim of identity theft and I have court documents to prove it and police reports and creditors and credit bureaus refuse to remove the information.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding an inaccurate 30-day late payment reported on my credit file by XXXX for the month of XXXX 2023 under my XXXX XXXX account . This late payment is incorrect and does not accurately reflect my account activity or payment behavior. 

XXXX  has acknowledged a billing error on their end, which led to the incorrect reporting. This error has since been resolved and credited, as confirmed by their customer support team. I was not at fault and made all payments as agreed.

To support my dispute : My XX/XX/year>2023 statement ( covering XX/XX/XXXX XX/XX/XXXX ) clearly shows no new charges or outstanding balance, confirming my account was in good standing prior to XXXX. 
My XX/XX/year>2023 statement is also attached, further demonstrating there was no missed or late payment on my part. 
Despite XXXXXXXX XXXX  internal resolution, this inaccurate information remains on my credit report and is negatively affecting my score. I am requesting the CFPB to assist in having this erroneous late payment entry removed from my credit file and my payment history corrected to reflect on-time status.

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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an inaccurate 30-day late payment reported on my credit file by XXXX for the month of XX/XX/year> under my XXXX XXXX account XXXX This late payment is incorrect and does not accurately reflect my account activity or payment behavior. 

XXXX  has acknowledged a billing error on their end, which led to the incorrect reporting. This error has since been resolved and credited, as confirmed by their customer support team. I was not at fault and made all payments as agreed. 

To support my dispute : My XX/XX/year> statement ( covering XX/XX/XXXX XX/XX/XXXX ) clearly shows no new charges or outstanding balance, confirming my account was in good standing prior to XXXX. 
My XX/XX/year> statement is also attached, further demonstrating there was no missed or late payment on my part. 
Despite XXXXXXXX XXXX internal resolution, this inaccurate information remains on my credit report and is negatively affecting my score. I am requesting the CFPB to assist in having this erroneous late payment entry removed from my credit file and my payment history corrected to reflect on-time status. 

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 explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an inaccurate 30-day late payment reported on my credit file by XXXX for the month of XX/XX/scrub> 2023 under my XXXX XXXX account . This late payment is incorrect and does not accurately reflect my account activity or payment behavior.

XXXX  has acknowledged a billing error on their end, which led to the incorrect reporting. This error has since been resolved and credited, as confirmed by their customer support team. I was not at fault and made all payments as agreed. 

To support my dispute : My XX/XX/scrub> 2023 statement ( covering XX/XX/XXXX XX/XX/XXXX ) clearly shows no new charges or outstanding balance, confirming my account was in good standing prior to XXXX. 
My XX/XX/year>2023 statement is also attached, further demonstrating there was no missed or late payment on my part. 
Despite XXXXXXXX XXXX internal resolution, this inaccurate information remains on my credit report and is negatively affecting my score. I am requesting the CFPB to assist in having this erroneous late payment entry removed from my credit file and my payment history corrected to reflect on-time status.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IN

Complaint narrative:
Square has deactivated my banking account holding my funds from my payroll provider. Square has told me they will hold my funds for 90 days. They have not given me a reason or have tried to rectify the situation. They are holding on to muds from my payroll provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Self Financial Inc.
State: OH

Complaint narrative:
Absolutely heres the revised Notice of Dispute including your strong point about the inconsistency between the XXXX and XXXX reporting : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XXXX Subject : Notice of Dispute Inaccurate Late Payment Reporting After Bankruptcy Filing Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the above-referenced account with Lead Bank XXXX 

I filed for bankruptcy in XX/XX/year>, which triggered an automatic stay under federal bankruptcy law ( XXXX XXXX XXXX XXXX ). Despite this protection, Lead Bank has reported me as 60 and 90 days late in XXXX, XXXX, XXXX, and XX/XX/year>, as reflected in the attached payment history. This reporting is not only misleading but in violation of the Fair Credit Reporting Act ( FCRA ) and bankruptcy protections. 

In addition, your records show that I was reported as on time in XX/XX/year>. Logically and mathematically, it is impossible for a borrower to be 60 days late in XXXX if they were on time the previous month. This alone suggests a serious error in your reporting system. 

I am requesting that Lead Bank : 1. Immediately remove all late payment entries dated after my bankruptcy filing in XX/XX/year>, 2. Correct the XX/XX/year> reporting, which is factually and chronologically inaccurate, and 3. Send me written confirmation once these corrections have been made.

If this matter is not resolved within 30 days, I will pursue complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other appropriate agencies for investigation and enforcement. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CITIBANK, N.A.
State: LA

Complaint narrative:
In XXXX, I've placed multiple orders with XXXX using XXXX different credit cards ; my Best Buy Visa Credit Card and XXXXXXXX XXXX XXXX. These orders were shipped via XXXX and marked as delivered. However, the packages were stolen off my property shortly after delivery. I have video surveillance clearly showing the theft. I contacted XXXX but wouldn't assist. I then filed disputes with both Best Buy Visa and XXXX. I provided video ( Link ) of the theft and police report. Initially both card issuers reversed the charges but in XX/XX/year>, the charges were re-billed. Despite repeated efforts to provide evidence and request reconsideration by escalating it, both Best Buy Visa and XXXX have refused to issue a permanent refund. I never received the merchandise and provided all the reasonable proof. I believe this is a clear violation of the Fair Credit Billing Act because the items were never received in usable condition, and I acted with all required timelines.

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