vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One solicited me for a secured credit card, once i paid the security deposit they chose to close the account. They stated they had the right to refuse credit to me and choose to do so. I was okay with that but they continued to report this on my credit report as a credit account and starting reporting negative items on my report. I request a final bill from them and this account be removed immediately from my credit report. As I intend to file suit against them as this has caused hardship on me and increased interest rates due to the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am submitting this complaint because Wells Fargo is preventing me from accessing and transferring my own funds due to unreasonable and restrictive verification procedures. I am currently outside the United States, and Wells Fargo requires a XXXX mobile number to receive one-time passcodes ( OTPs ). Because I live abroad, I can not obtain a XXXX mobile numberU.S. carriers require in-person registration within the XXXX, which is not possible for me. 

On XX/XX/year>, I spoke with a Wells Fargo representative, who confirmed that I was able to log in to online banking. Wells Fargo also confirmed that my account was successfully accessed on XX/XX/year>. Despite having access to my online banking, I am unable to update my contact information, because XXXX XXXX system does not permit entering an international phone number or foreign address. 

As a result : I can not receive one-time passcodes. 
I can not complete verification processes. 
I can not transfer funds to my Bank XXXX XXXX account. 
My money remains inaccessible even though I am fully authenticated and legally entitled to access my funds. 

Wells Fargo has acknowledged that once I update my phone number to a XXXX number, I would be able to complete verification and transfer funds. However, I have no way to obtain a XXXX number from abroad, and Wells Fargo refuses to accept my actual, valid international phone number. 

This policy effectively locks me out of my own money and imposes requirements that are impossible for customers living internationally. I believe this is an unfair and unreasonable barrier to account access.

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 2025-11-14 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:
Ascertain that all accounts subject to dispute are cleared within legally enforceable time windows.

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 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MO

Complaint narrative:
MOHELA received notification that my loans qualified for PSLF forgiveness in XX/XX/year>, they were paid in full XX/XX/year>, and their system acknowledges a refund due in the amount of {$1200.00}, dated XX/XX/year>. I attempted to clarify why the refund was yet to be issued on XX/XX/year>, speaking with resolution supervisor XXXX, who opened an inquiry with his billing department. I was told I would receive a call back with updates. Having received no callback, I reached out XX/XX/year> and spoke with a representative XXXX, who informed me that my escalation was closed the same day ( XX/XX/year> ) with no documentation as to what the resolution was. They do not show my refund as issued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-11-14 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:
Dear Sir/Madam, I am filing a complaint regarding the following accounts in dispute on my credit report. I request your investigation and appropriate corrections to ensure the accuracy of the information on my credit file. 

Charged Off Accounts : DEPTEDXXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$650.00} DEPTEDXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1100.00} DEPTEDXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$5200.00} DEPTEDXXXX  - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1700.00} DEPTEDXXXX  - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$6800.00} DEPTEDXXXX  - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1300.00} DEPTEDXXXX  - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$5300.00} DEPTEDXXXX  - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2200.00} DEPTEDXXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$120.00} DEPTEDXXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$6400.00} DEPTEDXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$3100.00} DEPTEDXXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$8400.00} XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$750.00} XXXXXXXX XXXX - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX  - Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$12000.00} Inquiries : XXXX CARD - Date : XX/XX/XXXX XXXX CARD - Date : XX/XX/XXXX Late Payments : XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account Number : 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting Equifax because it has incorrect information on my credit report. 

There is an account where I appear as a joint account holder, but I am not primarily responsible for the contract nor did I sign the obligation. 

The last activity was in XXXX  ( more than 6 years ago ), and Equifax refuses to remove it even though the FCRA states that negative information can only remain for 7 years from the last date of activity. 

I have already disputed the account directly with Equifax, and they did not correct the information. 

I request that Equifax completely remove the account due to : Incorrect information ( I am not the primary debtor ) Lack of proper verification Age of more than 6 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-14 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am disputing an account reported by Midland Credit Management XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX  based on fraudulent inducement. I was misled into entering a financial agreement under deceptive terms. The creditor or its agents made false representations that influenced my decision to proceedterms I would have never accepted if fully informed. This misleading conduct invalidates the original contract under basic contract law. Despite previous disputes, the account remains on my credit file. I have submitted supporting legal documents showing that the contract is contested and legally flawed. I respectfully request a reinvestigation and full deletion of this account under FCRA 611, as it is inaccurate and can not be properly verified through lawful means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
In XX/XX/year>, I was charged {$970.00} for a 12-month membership to XXXX, a digital business program sold by XXXX XXXX XXXX XXXX. The program was marketed as offering personalized support, strategic guidance, and tools to help beginners launch and grow online businesses. I paid the full amount upfront through my credit card issued by Goldman Sachs ( Apple Card ). 

From the start, the program did not deliver the value or support that was promised. The content was outdated, surface-level, and not suitable for beginners, despite claims made in the sales materials. After participating for a few months and realizing the program was not aligned with what was advertised, I contacted the merchant on XX/XX/year>, to request a partial refund for the unused months. My request was denied. 

Since that time, I have disputed this charge six times with Goldman Sachs. Each time, the charge was re-applied, even after I closed my credit card account. I do not have access to the program and have not been able to access any of the content I was charged for. Despite that, Goldman Sachs has repeatedly ruled in favor of the merchant based solely on their responses, without third-party review or validation. 

The merchant never provided a contract, terms of service, or agreement at the time of purchase. I have explained this multiple times to Goldman Sachs. Their repeated reinstatement of the charge, despite revoked access to the product and lack of fulfillment by the merchant, is a clear violation of consumer protections under the Fair Credit Billing Act ( FCBA ).

I am requesting that the CFPB investigate both the merchants practices ( misleading marketing and denial of refund for unused services ) and Goldman Sachs dispute resolution process, which has failed to protect me as a consumer despite consistent documentation and good faith efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 non-monetary relief
Consumer complaint received 2025-11-14 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
These submissions came in without warning and could be unapproved. Please check the enclosed files.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TN

Complaint narrative:
The creditor XXXX XXXX XXXX  took a payment for {$300.00} and it wasn't authorized on XX/XX/XXXX. I called them and they reversed it the same day. On XX/XX/XXXX it was chargebacked to cashapp. They have since refused that any money has been received and will not return my money. I have spoken to XXXX operators not XXXX of them will help nor will they allow me to speak to management. I do not know at this point how to get my money back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I attempted to get my annual reports with all 3 agencies. I was unsuccessful with Experian. My account has been hacked obviously, as I do not recognize the phone number or email address associated with my account to verify myself. I've tried all phone numbers online to get ahold of someone at Experian, and they are all useless. I tried the corporate phone number and finally got a real person, who transferred me back to the automated line. I have no idea how to verify myself, gaining access to my own information, and preventing someone else from accessing credit under my account.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial is reporting an inaccurate repossession remark on my credit file. The vehicle on this account was never repossessed. I previously disputed this information with the credit bureaus, but Westlake verified the inaccurate information. This is a violation of FCRA accuracy requirements. 

I am requesting that the inaccurate repossession remark be removed and that Westlake correct all reporting associated with this account. Westlake has no repossession documentation because a repossession never occurred.

I am asking for the CFPB to review and require Westlake to report accurate information to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
Fraudulent Achieve Personal Loans account reinstated on Experian, Equifax,. I never applied, opened, or authorized this loan. No signed contract, application, or proof of obligation provided. FTC Identity Theft Report + affidavit attached. 
Violations : FCRA 15 U.S.C. 1681i ( failure to reinvestigate ), 1681s 2 ( furnisher duty ), 1681n/o ( civil liability ). Tennessee Consumer Protection Act ( Tenn. Code Ann . 47 18 104 ) prohibits misrepresentation of debts. Memphis Fair Debt Collection ordinances protect against false reporting.

Agencies notified : CFPB, OCC, FDIC, XXXX, Tennessee AG, U.S. AG.

Demand : Immediate deletion of Achieve Personal Loans account. Provide method of verification ( name, contact, documentation ). If unverifiable, delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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