vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT AS IT DOES NOT REFLECT MY CONSISTENT ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS CLEARLY INCORRECT AND UNFAIRLY HARMS MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. 
UNDER THE TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. 1666B THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE DOCUMENTING THIS ISSUE, WHICH HAS BEEN OUTSTANDING SINCE XXXX, DEMONSTRATING A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS. 
I HAVE BEEN DISPUTING THIS MATTER FOR MONTHS AND I URGE YOU TO CONDUCT A PROMPT INVESTIGATION. PLEASE UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY. FAILURE TO CORRECT THIS ERROR MAY RESULT IN MY SEEKING MONETARY DAMAGES IN SMALL CLAIMS COURT. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY THE PAYMENT IS INACCURATELY REPORTED AS LATE. 
I RESPECTFULLY REQUEST YOUR IMMEDIATE ATTENTION TO RESOLVE THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I was the victim of unauthorized charges totaling about {$1500.00} on my XXXX XXXX account ending in XXXX. I discovered the fraud on XXXX XXXX and reported it in person at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  branch approximately the next day. I specifically asked to close my account and open a new one, but the branch representative told me this was unnecessary and assured me the problem was handled. 

Because the bank failed to act and secure my account, unauthorized charges continued monthly. Later, when I reported the issue again, the banks investigation letter claimed there was no prior claim at the branch, which is incorrect. The branch failed to document my original report. The bank has only reimbursed part of my loss. 

This is a clear violation of Regulation E, since I reported the fraud promptly ( verbally by visiting the Branch ) and the bank gave me incorrect instructions that worsened my loss. I am requesting full reimbursement of the {$1500.00} and correction of my account records.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit file, I observed incorrect account information on my account> I have tried to get the reporting agencies to remove this incorrect information but they refused ; XXXX XXXX XXXX XXXX XXXX THEY ARE REPORTING CHARGE OFFS REMARKS FOR THE FOLLOWING MONTHS XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHEY ARE REPORTING CHARGE OFFS REMARKS FOR THE FOLLOWING MONTHS ( XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX THEY ARE REPORTING CHARGE OFFS REMARKS FOR THE FOLLOWING MONTHS ( XXXX ) AND DUPLICATE PAST DUE REMARS OF XXXX DAYS PAST DUE ON XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2025-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
While I went on military orders my account was suspended without notice. I wrote several letters to corporate asking for funds. They asked me to verify identity. I have tried to verify identity with them over XXXX separate occasions and no success. They are asking me for bank statements from XXXX yrs sho and I dont have them. I gave them my military id, government id as well and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
What happened : I ordered an XXXX XXXX XXXX from a website called XXXX The site advertised XXXX XXXX XXXX Instead, I received a low-quality belt shipped from XXXX, which is not what was advertised. This is a case of merchandise misrepresentation. 

I filed a dispute with Wells Fargo for the transaction on my account ending in * XXXX. Initially, Wells Fargo issued a provisional credit but later reversed it after the merchant provided proof of delivery. 

Wells Fargo told me the claim was final even after I explained the issue was not delivery but misrepresentation of the product. The bank closed my case without properly investigating my claim that the merchandise was not as described. 

Why Im filing a complaint : Wells Fargo failed to consider the merchandise misrepresentation angle and only looked at whether something was delivered. 
The merchant engaged in deceptive practices ( advertised XXXX XXXX shipped a poor-quality product from XXXX ) XXXX 
I believe Wells Fargos investigation was incomplete and unfair, and I am seeking resolution. 

What I want : A full investigation into the misrepresentation claim. 
Reinstatement of the {$83.00} credit or reimbursement for the misleading transaction. 
Assurance that Wells Fargo complies with consumer protection laws by investigating merchandise not as described disputes separately from delivery disputes.

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 2025-09-23 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: AR

Complaint narrative:
Equifax is reporting child support that's been discharge almost a decade ago. Also the account reporting is FULL of inaccuracies that I have pointed out in my dispute letter that's attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
- On, XXXX, Cash App, a partner of XXXX XXXX, customer support refused to grant me access into my sons account that I sponsored for him to get the account. He lost the debit card to verify it with Cash App. I called was on the phone three separate times for over an hour trying to get access. I was told even though I am the sponsor I can not have access and neither could he. He would have to create a new account in which I would be the sponsor and the funds would be transferred. However after setting up the new account, they said there was some security issue protecting both the new and the old account. When I asked what is the security issue, they cant tell me because the system does not allow them to see it. I asked for escalation of the situation, they have no manager or department that handles these matters. The last individual told me that cash app support most of the time can not help clients access accounts. What is the purpose of a parent sponsoring an account if the parent can not supervise and assist the kid with problems relating to the account. The account has over a XXXX dollars in it, that can not be transferred or sent back to the account it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Groves Capital, Inc.
State: CA

Complaint narrative:
Serious Risk of ForeclosureI am under severe financial strain due to being misled into an unaffordable hard money investment loan. While I can cover the next loan payment, I will not be able to sustain payments for long. I live with the constant fear of foreclosure, and the lender has already issued threats in writing. The foreclosure risk I face is the direct result of the loan officers misconduct : I was misled on XX/XX/year> into an investment loan I never intended, based on inflated XXXX  and XXXX XXXX  promises, without the legally required loan disclosures. 
Urgent Issues Failure to Provide Disclosures : I did not receive written loan terms, repayment schedules, or required disclosures until the day of escrow closing.

The only fee disclosed beforehand was the loan officers own.

Misrepresentation Into an Investment Loan : I believed I was signing a residential loan, but the loan officer changed the occupancy type to investment. 
This prevents me from living in my home and has left me with an unaffordable hard money loan. 
Inflated XXXX XXXX XXXX  Promises : The loan officer falsely represented that I could make XXXX XXXXXXXXday or XXXX XXXXXXXXmonth on XXXX  and inflated monthly XXXX  XXXX, despite the property being rent-controlled and a XXXX  where XXXX  is illegal. 
These misrepresentations were used to justify loan approval and refinancing pressure. 
Foreclosure Threat : On XX/XX/year>, the lender warned that foreclosure proceedings would begin.

While I can still make short-term payments, I can not maintain them long-term, leaving me in fear of foreclosure.

The loan officer exploited my lack of U.S. real estate experience, withheld material information, and pressured me into signing documents I did not understand. I urgently request CFPB intervention to protect me from losing my home due to these unlawful practices.
Consumer Harm : - lost {$140000.00} down payment, escrow closing costs and holding costs- trapped in a property I can not legally occupy or rent for promised XXXX  XXXX  - severe emotional and financial distress as an international buyer with no family support in the US.

Thank you for your prompt attention. I am prepared to provide supporting documents, including loan papers, correspondence, appraisals, and foreclosure notices. 
Respectfully , XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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: CT

Complaint narrative:
I am writing to formally dispute the unauthorized accounts on my credit report. These accounts were opened without my knowledge, authorization, or consent, and their presence violates the Fair Credit Reporting Act ( FCRA ).

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 2025-09-22 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Westlake Services, LLC
State: MI

Complaint narrative:
Got the loan on XX/XX/XXXX drove the car 20 mins and it wouldn't accelerate. Then they promised they fixed the problem but it happened when we picked the car back up. They opened the loan in my name when I was supposed to be a cosigner. Then they give us the run around and we still havent heard about what's going on with the car. I want it off my report and XXXX XXXX XXXX XXXX to be investigated for fraud!!

Company response to consumer: Closed with explanation