vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
I noticed multiple purchases ( XXXX transactions for a total of {$460.00} ) made at multiple XXXX  stores out of state., They were all in the XXXX XXXX, XXXX  XXXX I live in XXXX  XXXX Transaction were made on my Wells Fargo XXXX XXXX XXXX which was in my possession in XXXX XXXX I reported the transactions as XXXX on XX/XX/XXXX. Wells Fargo denied my claim. The denial reason was that the charges appeared to be legit and made with my physical card ( which was impossible ). I called Wells fargo and asked could I appeal and they said " No ''. The decision is final. I called back on XX/XX/XXXX and asked another customer service agent to appeal the decision and they said they could not appeal, but recommended I call XXXX to get more information about the purchases. On XX/XX/XXXX I called XXXX customer service. They did review of each purchase and found the dates, amounts and locations that were listed on my bank account but could not provide details as the last four of my debit card did not match the card that was used for these purchases ( they suspect someone added my card to a digital pay service ( such as XXXX XXXX  ). The items purchased that matched my transactions were XXXX gifts cards and apple gift cards. They recommend I call local law enforcement to possibly have store footage reviewed.

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 monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANKERS HEALTHCARE GROUP LLC

Complaint narrative:
In early XXXX, I became the defendant in a lawsuit filed by Bankers Healthcare Group ( BHG ), despite their knowledge that I was residing abroad. The lawsuit was improperly served and directly caused the loss of a confirmed job offer at a major U.S. financial institution due to its impact on professional background checks. 

Since the beginning of this legal action, BHG and its affiliates including XXXX XXXX  and XXXX have engaged in a coordinated effort to pressure me through continued collection activity. This includes two collection calls I received in XX/XX/year>XXXX  related to a XXXX XXXX  credit card associated with the broader credit relationship now under dispute. I informed the caller that such communications were inappropriate during pending litigation, yet the calls continued. 

I notified BHGs legal counsel in writing. No corrective action was taken. Additionally, BHG accessed my credit report without consent or permissible purpose on XX/XX/year>. I disputed the inquiry with XXXX, but it remains unresolved. 

The company has provided no clear or accurate information about the debt, and their lawsuit contains inconsistent figures. These actions appear coordinated and intended to apply pressure during litigation. They have caused significant reputational and professional harm as I continue to seek employment in a regulated industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-18 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: MS

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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid in this card for 20 months with the auto pay system they set up for me. I was sold at 0 % interest. The original balance was XXXX. I went to pay the card off and discovered they were charging 35 % interest and my balance increased over the past year to XXXX even after making payments. Perhaps my fault, but this is the only card that I own which apparentlyneeded monitoring. I asked them to help me resolve this and they said there was nothing they could do. I asked them to stop my auto pay. I do not plan on giving them any more money until the issue is resolved and they said they understand but they can not negotiate the balance. I now can not pay off the card as planned since they have charged me more monthly than they were taking out for auto pay, roughly XXXX per month. I would not have made the purchase or I would have used one of my trustworthy cards to make the purchase if I knew they were engaging in predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following TransUnion 's guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable, specially that these were reinserted on my report without prior notice and valid reason- which is a clear violation of my rights as a consumer.

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 2025-04-18 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: IN

Complaint narrative:
I am formally filing this complaint against Experian and Equifax for knowingly and willfully reporting inaccurate, unverified, and obsolete information regarding a bankruptcy that has been removed by XXXX, a primary third-party public records vendor. Despite my multiple disputes and providing direct written confirmations from XXXX and the bankruptcy court, both Experian continue to falsely claim that this bankruptcy has been " verified '' via XXXX which is patently untrue. 

Pertinent Legal Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian and Equifax have demonstrably failed to do so by continuing to report this inaccurate bankruptcy record despite clear, verified evidence of its removal and non-verification from their alleged source.

FCRA, 15 U.S.C. 1681i ( a ) : Obligates credit reporting agencies to reinvestigate disputes within 30 days ( 45 days in limited cases where additional documentation is provided ) and to delete or correct information found to be inaccurate or unverifiable. 

Experian and Equifax have exceeded these legally permitted timeframes without resolution and continue to report this false information, constituting a willful violation.

FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) : Requires deletion of any item of information if it is found to be inaccurate, incomplete, or unverifiable as a result of a reinvestigation. 

The fact that XXXX has removed this record and confirmed its deletion confirms it is unverifiable, and yet Experian refuse to comply. 

I have provided both Experian and Equifax with the following supporting documentation : A letter from XXXX confirming the removal of the bankruptcy. 

Documentation from the bankruptcy court confirming no active record. 

Multiple written disputes requesting the deletion based on this verified information. 

Despite this, both agencies are extending response times unlawfully and continue to falsely claim this record is verified. 

At this point, I am fed up and fully prepared to pursue legal action under the Fair Credit Reporting Act, including statutory damages, actual damages, punitive damages, and attorneys fees. I have maintained thorough documentation of every dispute, response, and piece of evidence for legal proceedings. 

I am demanding immediate : Permanent deletion of the bankruptcy record from XXXXand Equifax.

Written confirmation of removal within 15 days of receipt of this complaint.

This is my final attempt to resolve this matter through administrative means before pursuing legal remedies in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: SC

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 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 non-monetary relief
Consumer complaint received 2025-04-18 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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from IQ Data Int for an alleged lease debt. I am formally disputing this collection, as I do not recognize the debt. When I vacated the apartment, there was no balance due. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification raises significant concerns regarding the validity and accuracy of this account. This erroneous reporting has caused difficulties in securing credit and is directly impacting my ability to obtain a home loan. The uploaded attached screen shot of whats reporting on my credit report clearly shows the date this alleged debt was assigned to this company and then the date they have decided to report it on my credit. 4 years! why? so they could try to fleece me for an additional {$1200.00} based off the screen shot provided between original amount and balance. Also I believe a collection company/debt buyer is not allowed to charge interest or fees which clearly this company is attempting to do based off the information on this report. This {$7300.00} debt is not mine I want it removed this is clearly an attempt to try to profit from some unsuspecting person who just ends up paying it. I do not owe any monies what so ever to either the landlord nor this collection company this is absolutely incorrect. My credit report dated XX/XX/XXXX that was pulled for my mortgage loan approval does not have this account collection on it but the updated report before the closing of my home purchase dated XX/XX/XXXX does have it. This is causing me to potentially loose the home im trying to purchase and was set to close on when this appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 non-monetary relief
Consumer complaint received 2025-04-18 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: FL

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 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 2025-04-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-18 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
am writing to formally file a complaint against Goldman Sachs, the issuer of the Apple Card, regarding their mishandling of a fraud investigation on my account and the ongoing harassing phone calls I have received in relation to it. 

A fraudulent charge ( s ) appeared on my Apple Card account, and I promptly reported the activity to Goldman Sachs. Despite my repeated efforts to get clarification and resolution, the process has been vague, inconsistent, and unresponsive. I was informed that no additional supporting information was needed from me to process the fraud claim, yet I was not provided with any transparency or updates about the status or findings of the investigation. 

While the dispute regarding the fraudulent activity remains unresolved, Goldman Sachs representatives have continued to call me in a manner that I would describe as harassing. These calls have focused solely on pressuring me to make payment on the full outstanding balance, despite the fact that payment arrangements were already made for the legitimate portion of the balance excluding the disputed fraudulent charges. 

I have made every effort to cooperate and even offered to provide documentation to support the fraud claim, but it was dismissed as unnecessary. This lack of due diligence and their aggressive collection behavior have caused unnecessary stress and confusion.

Company response to consumer: Closed with explanation