vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I Received a notification from credit monitoring that I had missed a payment that was over 30 days past due. I contacted Bank of America asking how it was possible to be past due when I had sufficient funds in my linked checking account and was on autopay to ensure that I never missed a payment. Bank of America informed me that it was my fault for missing my autopay payment because they updated their payment system in XX/XX/year> and removed customers from XXXX. I asked when they sent out the notification and they said by either mail or email. The phone representative said that they have no record of having sent out mail informing me that I would be taken off autopay as part of a system maintenance. I told them that I did not receive a text or voice message about this important notification and could not find an email in my email history informing me of the XXXX removal. 

I was even more disappointed that Bank of America did not contact me to inform me that I had a missed payment and instead let the charge go thirty days overdue and the only way I found out was through a credit reporting notification. I was let down by bank of America not just by being removed from XXXX causing a missed payment, but also by Bank of America by not informing me of the missed payment, both of these factors resulted in the past due charge being added to my credit report. All other credit card account I have on autopay do not miss payments. 

Being removed from autopay without sufficient notification and not being informed of a missed payment caused damage to my credit score. I go out of my way to always make my payment on time and enroll in Autopay while ensuring I have sufficient funds in my accounts to always pay my card payments. my score went down over XXXX points even though I had exceptional credit and took all the necessary steps to ensure a missed payment would not occur.

I checked the Goodwill adjustment section of Bank of Americas website and it clearly states they do not provide this. Meaning even if Bank of America removes customers from XXXX causing missed payments and even if Bank of America does not inform customers of missed payments it is the customers responsibility and fault for Bank of America 's failure in communication. That anyone who has a missed payment regardless of cause it is 100 % the responsibility of the customer and that Bank of America must report missed payments regardless of any role it played in causing that missed payment to occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: GA

Complaint narrative:
I used Climb Credit to finance my enrollment to XXXX XXXX XXXX. I was made to believe that following their curriculum would guarantee me a higher paying job in the field and also that their services in the discord server as well as their thinkific platform would remain open to me in perpetuity upon my enrollment. Soon, coaches and mentors were quietly gotten rid of, with nobody giving responses to any kind of contact for assignments or inquiries. I even requested a refund feeling as though I was mislead and pressured into taking out the loan with Climb Credit with no other ways to finance other than paying it all down to XXXX at once through climb. Many others have been exploited by both of these organizations, and we would all like help with restitutions from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MI

Complaint narrative:
I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/year>, at a XXXX XXXXXXXX XXXX in XXXX, NJ, I met XXXX XXXX XXXX soliciting mattress sales for XXXX XXXX I made a {$6.00}, XXXX purchase for both XXXX mattress and an adjustable base. After we talked, he answered several of my questions and gave me an affirmative affiliation that XXXX XXXX and Mattress Firm were one and the same. In our conversation, he said, if I had any questions, I could call Mattress Firm. So, when I called Mattress Firm and visited the nearby store one mile from my dwelling, a store representative at Mattress Firm could not pull up my account. Its as if I did not exist in the system. I searched for the nearest XXXX XXXX store locations and found only four in the state of Virginia. My main concern is that none of the XXXX XXXX store locations are near my residency ; however, Mattress Firm is the closest to me ( XXXX mile distance ). The anxiety I have is whether I should have any problems in the future, especially with the mattresss electronic controls or such, XXXX XXXX ( in Virginia ) would be too far away to come for assistance or repairs. Therefore, I was misled by XXXX XXXX so he could make his sale. XXXX XXXX said, I could make my transactions with either store. But, as Ive mentioned, Mattress Firm does not have me in their database. I would like my account to be credited to Mattress Firm so I could continue doing business with my local retailer. My request is to either refund me so I can repurchase the mattress and base with Mattress Firm or make the adjustment to credit my account to Mattress Firm. Synchrony Banks Claims department has denied my request and informed me to just keep making my payments. I have no problem making my payments. I only want my concern acknowledged and resolved for the very expensive bed I am purchasing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I sent {$250.00} XXXX payment through my Wells Fargo account to an individual for a lawn care service that was never completed.After realizing the service was not performed as agreed, i immediately contacted Wells Fargo to dispute the transacation and request assistance recovering my funds. 
Wells Fargo opened a case ( XXXX XXXX ) but later informed me that they could not recover my funds and closed the dispute. I was told there was nothing else they could do, even though i had messages and proof showing the person failed to complete service. 
Wells Fargo did not allow me an opportunity to provide supporting evidence ( such as screenshots, communications, or proof of agreement ) before closing the case. I requested more details about the investigation process, including whether Wells Fargo contacted the recipient 's bank or verified the transaction, but i did not receive a clear explanation. 
I believe Wells Fargo did not conduct a full or fair investigation and failed to give me the chance to provide documentation that could have impacted their decision. I am requesting that the Consumer Financial Protection Bureau review this matter, require Wells Fargo to reopen or re-review the case, and assist me in recovering my {$250.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 XXXX  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 2025-10-23 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: AR

Complaint narrative:
I am following up on a dispute I submitted to Experian pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B regarding multiple fraudulent accounts and inaccurate information appearing on my credit report. I completed and submitted the required dispute forms and requested a full investigation into these unauthorized accounts, as well as inaccurate addresses and collection entries. Despite the clear mandates of the FCRA, which require credit reporting agencies to investigate identity theft claims within XXXX business days of receiving a report, the erroneous information remains on my report. The items in question include XXXX with account ending XXXX and a {$0.00} balance, XXXX XXXX with account ending XXXX and a balance of {$480.00}, XXXX XXXX XXXX with a balance of {$160.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3000.00}, XXXX XXXX XXXX with a balance of {$2100.00}, XXXX XXXX * * with a balance of {$1200.00}, XXXX XXXX XXXX * * with a balance of {$2400.00}, as well as multiple accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, with various balances and dates listed. These accounts were opened without my consent and are not associated with me. I have provided all relevant documentation, including my identity theft report and personal identification, to support my claim. However, I have yet to receive confirmation that these fraudulent entries have been removed or that a thorough reinvestigation has been completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AR

Complaint narrative:
I am following up on a dispute I submitted to Experian pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B regarding multiple fraudulent accounts and inaccurate information appearing on my credit report. I completed and submitted the required dispute forms and requested a full investigation into these unauthorized accounts, as well as inaccurate addresses and collection entries. Despite the clear mandates of the FCRA, which require credit reporting agencies to investigate identity theft claims within XXXX business days of receiving a report, the erroneous information remains on my report. The items in question include XXXX with account ending XXXX and a {$0.00} balance, XXXX XXXX with account ending XXXX and a balance of {$480.00}, XXXX XXXX XXXX with a balance of {$160.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3000.00}, XXXX XXXX XXXX with a balance of {$2100.00}, XXXX XXXX * * with a balance of {$1200.00}, XXXX XXXX XXXX * * with a balance of {$2400.00}, as well as multiple accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others, with various balances and dates listed. These accounts were opened without my consent and are not associated with me. I have provided all relevant documentation, including my identity theft report and personal identification, to support my claim. However, I have yet to receive confirmation that these fraudulent entries have been removed or that a thorough reinvestigation has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Lendmark Financial Services
State: CA

Complaint narrative:
I previously had an account with Lendmark Financial Services, which was later transferred to XXXX XXXX XXXX XXXX. XXXX XXXX confirmed in writing on XX/XX/2025 that they have closed the file and terminated all collection activity. 
Despite this, Lendmark Financial Services continues to report the account on XXXX  as Charge-Off with a {$0.00} balance and remarks stating Purchased by another lender. 

This is contradictory and misleading. The account should be reported as Transferred/Closed {$0.00} balance No Derogatory Status or removed entirely.

Lendmark has failed to update or verify this tradeline despite multiple written disputes sent to the credit bureaus. This violates FCRA 607 ( b ) ( accuracy ) and 611 ( a ) ( failure to reinvestigate ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
I am completely overwhelmed after seeing several fraudulent accounts and unauthorized inquiries appear under my name. Someone has stolen and used my identity without my consent, and it has caused serious harm to my credit and peace of mind. These false items have created ongoing stress, financial instability, and emotional distress that I should never have to endure. These are the fraudulent items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Repeated Failure to Properly Investigate and Correct Inaccurate Information in Violation of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple formal disputes regarding inaccurate and unverifiable information on my credit reports, the credit bureaus have failed to comply with federal law by refusing to properly investigate, correct, or verify the disputed items.

Each bureau has issued generic verified responses without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). These actions violate 1681i ( a ), which mandates a reasonable reinvestigation of disputed information, and 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

Unresolved and Inaccurate Information The following accounts, inquiries, and personal information remain inaccurate, unverifiable, or unauthorized despite multiple dispute submissions : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX Incorrect Employer : XXXX XXXX XXXX Unauthorized Inquiry : XXXXXXXX XXXX  dated XX/XX/scrub>XXXX  Collection Account : XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off : XXXX XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off : XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed each of these items and specifically requested documentation proving their accuracy and authorization. To date, none of the credit bureaus have provided : The method and process used to verify each account or inquiry The name, title, and contact details of the furnishers contacted Any documentation or evidence relied upon in the verification process Violations of Federal Law The continued inaction and generic verified responses constitute multiple violations of the FCRA, including : 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification upon request These repeated failures demonstrate willful or negligent noncompliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had an interest bearing account at Wells Fargo in a savings account ( XXXX XXXX  ) earning near 4 % per annum. The interest rate dropped to .01 % in a matter of 3 months. I received no notification and when I checked my account ( {$36000.00} ) I realized I was out about {$2000.00} in interest. 
I submitted a complaint ( case # XXXX ) to Wells Fargo. 
They replied they do not need to notify customers of interest rate changes. I think this is not reasonable. Not sure I have any recourse but thought it deserved review and maybe some publicity for other customers to be aware of. 
Thank you for reviewing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$0.00}

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