vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
On XX/XX/year> I received an email from Wells Fargo inviting me to open a checking account with minimum {$1000.00} by making a deposit of ACH online before XX/XX/year>, then in 90 days, they will award a bonus offer of {$320.00} ( code XXXX ) added into the account. On XX/XX/year> I opened a new checking account at Wells Fargo online and ACH transferred {$1000.00} from the XXXX XXXXXXXX XXXX XXXX XXXX ) into the new checking account at WF. I even called WF right after the transfer and spoke to XXXX ( female ) at XXXXXXXX XXXX  on XX/XX/XXXX and was told the money was indeed transfer via ACH and Im all good! Up to today, no bonus was added into my account. In the beginning of XXXX, I called the bank and was told the bonus sometimes takes an extra 15 days to be credited. On XX/XX/XXXX, I called back and escalated the case and was told I would hear back 7 to 10 days. Still nothing. Just now XX/XX/XXXX, I called again and was told although the money I transferred was indeed via ACH Wells Fargo does not consider it ACH. (!! ) therefore I will not receive any bonus. How is this possible? How can Wells Fargo systematically NOT consider an ACH transfer ACH? I have all numbers, including account numbers and case escalation numbers if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, the Chase mobile app displayed the message Youre already approved for a credit card. Based on this representation, I submitted an application under the belief that approval was guaranteed. 

On the same day ( XX/XX/scrub>XXXX XXXX XXXX, Chase denied the application but still placed a hard inquiry on my credit file. This resulted in an immediate and negative impact to my credit score. 

On XX/XX/XXXXXXXX XXXX XXXXsix days after the denialthe Chase app continued to display the misleading message already approved. 

I contacted Chase and requested two possible remedies : 1. That the hard inquiry be re-coded or removed as a soft inquiry. 
2. That I be approved for a small credit line so the inquiry was not wasted. 

On XX/XX/year>, Chase denied both requests. 

On XX/XX/year>XXXX I again contacted Chase to request removal of the hard inquiry. I explained that the only reason I applied was because the app stated I was already approved. Had I known approval was not guaranteed, I would not have applied at all. Chase again denied my request. 

On XX/XX/year>, Chase called me directly. During this call, I was again re-denied, even after I repeated my explanation that the application was induced by the misleading already approved message. 

This practice is misleading and harmful to consumers. The apps already approved message gave the impression of guaranteed approval, when in fact Chase issued a denial while still penalizing me with a hard inquiry. The misleading message remained visible for days after denial, compounding the confusion. 
I believe this conduct constitutes a deceptive practice under the CFPBs UDAAP standards ( Unfair, Deceptive, or Abusive Acts or Practices ). Chase induced me to apply under a false sense of certainty, then harmed my credit profile when the representation proved untrue. 

I am requesting that the CFPB review Chases practices and require corrective action, including : Removal or reclassification of the hard inquiry to a soft inquiry, or Approval of a credit line consistent with the already approved representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: VT

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
I am filing this complaint regarding Transunions failure to maintain accurate personal information on my credit file. 

I previously submitted a request to update and correct my personal information. While my current address has been updated correctly, several outdated addresses and employers are still being reported. This creates the risk of misassociation with incorrect or potentially fraudulent accounts and does not reflect the most accurate and up-to-date information. 

Specifically, I requested the deletion of the following outdated items : Previous Addresses : XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX Employers : XXXX XXXX ( Updated XX/XX/XXXX no longer my current employer XXXX XXXX XXXX XXXX ( Updated XX/XX/XXXX no longer my current employer ) Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate information and ensure outdated or unverifiable personal information is not reported. Transunion 's failure to delete these old addresses and employers after receiving my documentation violates their duty to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I am filing a complaint against Shellpointe for failure to comply with the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 ( e ). 

On XXXX I submitted a Qualified Written Request ( QWR ) to the mortgage servicer regarding my loan XXXX The request was sent via certified mail and delivered on XX/XX/ Under RESPA, the servicer is required to : Acknowledge receipt of the QWR within 5 business days, and Provide a substantive written response within 30 business days. 

To date, the servicer has failed to acknowledge my request/provide a substantive response This is a violation of their legal obligations under RESPA. 

Because of this failure, I have been unable to verify the accuracy of my account, confirm escrow charges, resolve payment application issues, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I amassed approximately {$1100.00} in cash back using 2 different Capital One credit cards. I store my cash back and withdraw it approximately once a year. I have used one of these cards for about 3 years and the second card was a newer business card of about 6 months. I charge between XXXX XXXX XXXX XXXXXXXX per month and pay the balance off every month. Many times making 4 to 5 payments in each billing cycle per account. 

Capital one restricted both of my credit card accounts citing " unusual activity '' and refused to elaborate on these details. They are refusing to honor the cash back that I accrued citing that the account is closed. 

I advised that they chose to close the account, and the account was in good standing when they did so therefore they are not allowed to STEAL the cash reserves that i had amassed. 

I have made multiple calls in an attempt to have them fix the issue. The last call was today XX/XX/XXXX  where the first time I was disconnected when asking to speak to a supervisor. The second call I escalated it to a manager, whose name is XXXX with an ID is XXXX. She refused to apply the credit to my account. 

Capital one has removed my access to my account so I can not get evidence of the balance, however, I have attached my previous months statements showing the balances and the monthly accrual amounts. I have included the most recent statement showing that they have removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, I had a dispute with Aqua Finance regarding [billing error / financing terms / product issue]. I disputed the account in good faith because the charges were inaccurate. The account was eventually closed, and I have had no further balance or activity.XXXXDespite being resolved long ago, this account continues to appear on my credit history as disputed, and it has created issues with my mortgage underwriting. Aqua Finance has a history of complaints and recent FTC action regarding deceptive practices, which reflects my experience.XXXXI am requesting that Aqua Finance provide proof of resolution and update my credit reports to reflect the account as closed with XXXX balance and no dispute.\XXXXAqua Finance Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

Complaint narrative:
On XX/XX/year>, I sent formal dispute letters by certified mail to the credit reporting agencies regarding multiple inaccuracies on my credit report. My disputes included : Accounts that do not belong to me, such as XXXX XXXX XXXX ( {$3400.00} ), XXXXXXXX XXXX XXXX {$11000.00} ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1700.00} )XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX entries for {$370.00} and {$400.00} ), and XXXX XXXX XXXX XXXX {$1000.00} ). 

Unauthorized hard inquiries from dozens of auto finance companies and lenders ( 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  ). I did not apply for credit with these companies and never authorized these pulls. 

Incorrect personal information, including multiple wrong names ( such as XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX wrong addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ), and an employer that is not mine ( XXXX XXXX ). 

Despite sending disputes with proof of identity and address, the credit bureaus failed to correct or delete the inaccurate information. They have continued to report false and unverifiable accounts, inquiries, names, and addresses, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

These errors are causing serious harm to me by lowering my credit score and affecting my ability to obtain housing and credit. I am requesting CFPB intervention to require the credit bureaus to delete these inaccurate accounts and inquiries, correct my personal information, and provide me with a corrected 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 non-monetary relief
Consumer complaint received 2025-09-10 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: OH

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate 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 explanation
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-10 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-09-10 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:
I want to make it clear that this complaint is legitimate. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy. These errors are placing an unfair and ongoing burden on me, both financially and personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Colony Brands, Inc.
State: VA

Complaint narrative:
I tried to dispute this deb. Even though it is not mine, I offered to settle to have it deleted from all " 3 '' credit bureaus. I was told the amount was too small and I could not do that. After which, I received a letter in the mail stating that if I wanted to disputte it, I had to include my theft report, which I had did previously. I am not understanding how they can ask for what I already sent them. This is ridiculous how they play with people. This debt is not even {$100.00} and they can't even work with me to irradicate it.

Company response to consumer: Closed with explanation