vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint because Wells Fargo has now become complicit in the fraudulent billing I originally disputed with XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, a {$100.00} charge was posted to my Wells Fargo Visa card by XXXXXXXX XXXX XXXX XXXX. It included an unauthorized {$94.00} XXXX  toll fee. I had prepaid for the rental through XXXX and explicitly declined the toll package at the time of pickup. I returned the vehicle on XX/XX/XXXX, was shuttled to the terminal, and was told I didnt need to sign anything further. The charge was applied after I had left and without my authorization. 

The only mark I made on the agreement was an initial next to the arbitration clause. All other signature lines especially those authorizing the additional charge are blank or contain scribbles that do not match my legal signature. I obtained records from XXXX XXXXXXXX FL showing only one toll totaling {$6.00} was incurred, proving I never used the {$94.00} toll package. 

Wells Fargo : Misrepresented the facts of the transaction in their response to my original CFPB complaint. 

Stated falsely that I accepted services and that the transaction was card-present. I was not at the counter when the charge was made. 

Claimed they initiated Visa arbitration, but this was not disclosed to me until after the fact and never pursued to completion. 

Ignored material evidence including falsified signatures and supporting toll documentation. 

Refused to credit the charge despite clear fraud, and instead closed the case, telling me to pursue the merchant myself essentially absolving themselves of responsibility despite clear regulatory obligations under the Fair Credit Billing Act. 

Wells Fargo is now not just negligent they are actively complicit in covering for a merchants fraudulent billing and document falsification.

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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft, which has severely impacted my credit and financial stability. My personal information was compromised, leading to unauthorized accounts, inquiries, and transactions on my credit report. As a result, my credit score has dropped significantly, making it impossible for me to obtain a loan, a credit card, a car, or a home. 

I have taken all necessary steps, including filing disputes with credit bureaus, reporting fraud to financial institutions, and securing my identity. However, the fraudulent accounts and negative marks remain, causing ongoing financial hardship. 

I request immediate removal of all fraudulent accounts, inquiries, and negative marks associated with this identity theft. This situation is preventing me from rebuilding my financial life. I urge the CFPB to take action and assist in correcting my credit report as soon as possible. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: AR

Complaint narrative:
My car loan was past due do to an injury last year and being unable to work. I saved up money and called the finance company ( Western Funding ) XX/XX/year> to find out what I needed to do to become current on the account. I was told that if I paid {$3200.00}, they would close the account and send me the title, and that I had a week to do so. I called back on XX/XX/year> to make the payment & the amount they quoted me was lowered to {$2100.00}. My dad allowed me to use his bank card to make the payment as I was not allowed to use a personal credit card. I confirmed the address that the title was to be sent to, and was told that I would have the title in 30 days ( which would have been XX/XX/year> ). XX/XX/XXXX came and went & I had received no communication from the finance company. I waited until XX/XX/year> to contact them in case I'd misunderstood and it wasn't being mailed until the XXXX. I was told that the account had JUST been closed that day ( XX/XX/XXXX ) & to call back in a day or two to see when the title department was planning on releasing the title. I left two messages for the person I was told I needed to speak to on XX/XX/XXXX and never received a call back. I called again today ( XX/XX/XXXX ) & was told that the title would not be released until XX/XX/XXXX because the payment was " unauthorized '' & could be " reversed '' any time up until XX/XX/XXXX & that there was nothing they could do to expedite this. The payment cleared my XXXX 's account on XX/XX/XXXX ( the day after the payment was made ). I was also told ( on XX/XX/XXXX ) that I should have used their online payment portal or sent a money order, neither of which was an option that was given to me on my XX/XX/XXXX phone call. I am currently unable to register my vehicle & need the title to be able to do so. I have no other way to get back & forth to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX, who is reporting a collection account on my Experian and Equifax credit reports. Despite three separate dispute attempts, the account continues to appear, even though no verification, ownership proof, or original debt documentation has ever been provided. 

Account Details : Furnisher/Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ) Status : Collection Remarks : Account information disputed by consumer under the Fair Credit Reporting Act Background : This is the third time I have disputed this account. I requested : Proof of ownership of the debt by XXXX XXXX XXXX A copy of the original billing agreement or contract Verification of the debts origin, age, and validity To date, none of this information has been provided. The time of the original debt is unknown, and I have received no verification from either XXXX  or the credit bureaus. Therefore, continued reporting of this item is both inaccurate and unlawful. 

Violations of Federal Law : This conduct violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681i Credit bureaus must reinvestigate disputes and delete unverifiable data 15 U.S.C. 1681 Guarantees accuracy and transparency in credit reporting 15 U.S.C. 1681b ( a ) ( 2 ) Limits access to credit reports to those with a valid purpose 15 U.S.C. 1692g Requires debt collectors to provide written validation of the debt within 30 days upon request Given the lack of verification after three attempts, this account is in clear violation of these laws and must be removed immediately.

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 2025-05-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy 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 2025-05-23 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: SC

Complaint narrative:
Equifax is showing missed payments for accounts that have been closed and written off years ago. It is the only XXXX of the XXXX credit reporting bureaus to be showing missed payments on closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-23 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
Subject : Formal Complaint Against Inaccurate and Inconsistent Credit Reporting by XXXX XXXX XXXXXXXX To Whom It May Concern, I am submitting this complaint regarding inconsistent, inaccurate, and damaging credit reporting by XXXX XXXX XXXXXXXX, specifically relating to the tradeline appearing on my credit file under account number ending in XXXX. 

Overview of the Issue : This account is : Current and positive on XXXX showing 100 % on-time payment history and {$0.00} past due.

However, both Experian and XXXX are reporting this same account as In Dispute and reflect 30-day late payments, despite no verified delinquency or legitimate dispute being opened by me.

This contradictory and misleading reporting is : Inaccurately reflecting my payment behavior. 

Hurting my creditworthiness. 

Violating federal credit reporting laws. 

Violations of Federal Law : FCRA ( Fair Credit Reporting Act ), 15 U.S.C. 1681s-2 ( b ) : The data furnisher ( XXXX XXXX XXXXXXXX XXXX is failing to report accurate and complete information across all bureaus.

Reporting " in dispute '' status and lates only on Experian and XXXX but not on XXXX shows a clear inconsistency in how data is furnished, violating uniformity and accuracy obligations under the FCRA.

TILA ( Truth in Lending Act ), 15 U.S.C. 1601 et seq. : Failure to properly disclose how my credit standing is being impacted by inaccurate reports violates transparency protections and can lead to unjust financial consequences when applying for credit.

GLBA ( Gramm-Leach-Bliley Act ), 15 U.S.C. 6801 : Inconsistent and misleading credit disclosures across bureaus violate the requirement to ensure the integrity, confidentiality, and accuracy of personal financial 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 2025-05-23 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

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! 

"

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 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After receiving a response to my earlier dispute that the accounts were verified, I contacted the furnisher and received no verifiable response. 
Am requesting a full investigation under the fair credit reporting act ( FCRA ). Please remove this unverifiable items on my credit.

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 2025-05-23 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: FL

Complaint narrative:
Im submitting this complaint as a victim of identity theft. Several fraudulent credit accounts have been added to my credit report none of which I opened or authorized. Ive never had any business relationship with these companies, and these accounts are severely damaging my credit and personal reputation. 

I filed an official Identity Theft Report through the FTC at IdentityTheft.gov, and I have also submitted a dispute to the credit reporting agencies. Unfortunately, they failed to take proper action and wrongly claimed my dispute could not be processed due to a name mismatch even though my name is correctly stated on my ID, FTC Affidavit, and all submitted documentation. 

After further review, I confirmed that my name and all identifying information were correct in my original submission. This denial appears to be a way to avoid proper investigation, which violates my rights under FCRA 605B, a federal law that mandates removal or blocking of fraudulent information within 4 business days after submission of valid identity theft documentation.

Here are the accounts that were fraudulently opened in my name XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$200.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$230.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$230.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$430.00} I have never authorized these accounts, nor have I received any goods, services, or credit from these companies. I have attached my FTC Identity Theft Report, government-issued ID, proof of address, and highlighted copies of my credit report to support this complaint.

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 2025-05-23 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: KY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-23 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: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/year>, I paid {$3300.00} to XXXX XXXX XXXX using my Chime Credit Builder card. XXXX XXXX failed to provide a refund despite multiple requests and eventually repossessed the vehicle without any notice or follow-up. 

I filed a chargeback on XX/XX/year>. Since I already paid the amount before filing the dispute, Chime has refused to issue a temporary credit, telling me I must wait for the investigation to conclude. However, under Regulation Z ( 15 U.S.C. 1666 ), once a dispute is filed, the credit card company may not treat the disputed amount as owed during the investigation. The law does not exempt them from responsibility simply because I paid before filing the dispute. 

Chimes refusal to provide a temporary credit means I am financially impacted by this unresolved dispute. I am requesting that Chime comply with federal law by providing a provisional credit and cease holding me financially liable during the investigation.

Company response to consumer: Closed with explanation