vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: TN

Complaint narrative:
My student loan has been in postponement from XX/XX/XXXX through XX/XX/XXXX. It is showing on my account as late 120+ days late. I am currently in a XXXX program and I have the letter proving that I have been in postponement from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: PA

Complaint narrative:
I recentley reviewed a copy of my credit report and notice fraudualnt accounts on my report. Please remove these accounts from my credit report. They are hurting my abilityyto obtain credit. I have no knowledge or aware of these accounts and they are also reporting to third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: VA

Complaint narrative:
XX/XX/year> Payment was made to them. Remaining balance was XXXX. The account is now charged off and they are saying balance is over XXXX. I have asked numerous times to provide me with how XXXX becomes XXXX. They will not send me that info and will not correct the balance. Yet they continuously call me with threats to get me to pay the other amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$780.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
on XXXX XXXX XXXX  I noticed several charges to my checking account via my debit card that I did not authorize. I notified Wells Fargo and a claim was initiated. 11 of the 12 charges were included in the claim, one was not. On XXXX XXXX XXXX  I again contacted Wells Fargo and noted that the initial {$330.00} charge had not been reversed, and was still noted as a debit on my account, while the other 11 that had been included in the initial report ( and claim as written by Wells Fargo ) had been. Apparently that triggered a new claim, rather than including the remaining charge in the first claim as I reported it. That claim was denied on or about XXXX XXXX XXXX. I again contacted Wells Fargo and disputed the denial of the claim, which was apparently reopened with the XXXX XXXX XXXX  date. On XXXX XXXX a provisional credit was issued then reversed, though the claim still shows as active. The charge also remains on my checking account as viewed through web access. 
Screen shots supporting this report are available, but apparently can not be pasted in this text input box.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XX/XX/XXXX, I discovered several unauthorized accounts listed on my credit report. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or the misuse of my personal information. The fraudulent accounts include : XXXX XXXX XXXX Line of Credit Opened : XX/XX/XXXX XXXX XXXX Bank Credit Card Opened : XX/XX/XXXX XXXX XXXX Charge Card Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Loan Opened : XX/XX/XXXX XXXX Business Loan Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Collection Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Contract Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX Inquired XXXX : XX/XX/XXXX The above accounts and inquiry were not authorized by me and are the result of identity theft.

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 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint reference XXXX Continued complaint due to non-resolution : Wells Fargo response to above complaint number does not seem to respond to all of the points made in the customers statements. The response seems to be quickly written, grammatically incorrect and extremely difficult to read. It has become impossible to find full understanding of the response, together with continued non-resolution on part of Wells Fargo. The customer continues to face financial difficulty on fault of Wells Fargo corruption and error through lack of proper service, communication, proper communication and damage control refusal. 

It is becoming an ongoing battle with a dead end, however, it seems no matter how right the customer is and proves it with the proper information given to the best of their knowledge and honesty, Wells Fargos responses denies the customers rights and honest feedback and also withholds valuable proof to show that they were actually in the wrong. The customers XXXX points that were made are still valid and true yet Wells Fargo is proving time and time again that they are corrupt, a failed system and poorly managed with the poorly structured responses they give through the CFPB complaints thread. 


The customer continues to face dissatisfaction with their legitimate complaint however continues to pursue justice. 

Wells Fargo has failed to provide valid responses to each point made, has failed to provide any refund for the {$110.00} worth of overdraft and continues to charge without authorisation from the customer. 

The customer insists on their valid points made and continues to stand by them until justice is served. It seems Wells Fargo is lacking the professionalism to admit to their errors. 


The customer hopes that CFPB will acknowledge the lengthy battle and failure on Wells Fargo side and offer the support the customer deserves.

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 2025-05-02 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-05-02 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TransUnion XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TX

Complaint narrative:
So I have not been in school in over XXXX yrs. Not sure why there is a student loan on my profile/report and Im demanding this MOHELA/XXXX  is removed from my report. Im tired of going back and forth about this its utterly ridiculous! Remove this none sense from my CREDIT REPORT PLEASE AND THANK YOU! Im so sick of and annoyed with keep wasting my time with this .. play with someone else with nothing to do!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
A medical collection from XXXX XXXX XXXX is being reported on two of the three credit bureaus ( TransUnion and Equifax ), but not on Experian. This inconsistency raises concerns about accuracy and completeness under the Fair Credit Reporting Act ( FCRA ). The amount being reported is {$1000.00} and is related to XXXX XXXX XXXX XXXX  XXXX I have submitted disputes to both Equifax and TransUnion regarding this collection. Despite this, the account remains on my reports without supporting documentation or complete reporting across all bureaus. I am requesting the removal of this account from my credit reports unless it can be fully validated and reported consistently.

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 2025-05-02 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX 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 XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: RI

Complaint narrative:
There are XXXX unauthorized hard inquiries in my credit report after I had scheduled an appointment to get an appraisal. I did not make the appointment for the appraisal of my car and all of a sudden I get a many emails and calls offering me new vehicles. I did not authorize none of these companies to pull my credit report or call me on my phone number. I tried disputing over the phone and Experian customer service agent told me I needed to individually call these companies separately to initiate a dispute with them. They were unable to help me. Today I called all companies and I cant get a hold of a customer service agent and one of the companies phone number does not work. 

I did not authorize these companies to pull my credit report XXXX XXXX INQUIRY DATE : XXXX ( XXXX ) XXXX IN EXPERIAN & EQUIFAX CREDIT REPORT XXXX XXXX XXXX INQUIRY DATE : XXXX ( XXXX ) XXXX IN EXPERIAN CREDIT REPORT XXXX XXXX XXXX INQUIRY DATE : XXXX ( XXXX ) XXXX IN EXPERIAN & TRANSUNION CREDIT REPORT XXXX INQUIRY DATE : XXXX IN TRANSUNION CREDIT REPORT

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 2025-05-02 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: EQUIFAX, INC.
State: RI

Complaint narrative:
There are XXXX unauthorized hard inquiries in my credit report after I had scheduled an appointment to get an appraisal. I did not make the appointment for the appraisal of my car and all of a sudden I get a many emails and calls offering me new vehicles. I did not authorize none of these companies to pull my credit report or call me on my phone number. I tried disputing over the phone and Experian customer service agent told me I needed to individually call these companies separately to initiate a dispute with them. They were unable to help me. Today I called all companies and I cant get a hold of a customer service agent and one of the companies phone number does not work. 

I did not authorize these companies to pull my credit report XXXX XXXX INQUIRY DATE : XXXX ( XXXX ) XXXX IN EXPERIAN & EQUIFAX CREDIT REPORT XXXX XXXX XXXX INQUIRY DATE : XXXX ( XXXX ) XXXX IN EXPERIAN CREDIT REPORT XXXX XXXX XXXX INQUIRY DATE : XXXX ( XXXX ) XXXX IN EXPERIAN & TRANSUNION CREDIT REPORT XXXX INQUIRY DATE : XXXX IN TRANSUNION CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Jpmcb Has ran my credit on XX/XX/year> without my permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: Westlake Services, LLC
State: LA

Complaint narrative:
XXXX west lake ran my credit without my permission

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 2025-05-02 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-02 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Activehours
State: NY

Complaint narrative:
I used earnin for XXXX dollars and they debited it from my account, and they didnt allow me cause of duplicate account and the account was disabled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: AZ

Complaint narrative:
I am writing to formally dispute certain remarks listed on my account with Department of Education XXXX XXXX under account number Account # XXXX. Upon reviewing my " Credit can not locate individual/ Deferred '', I noticed entries/remarks that I do not recognize and have no knowledge of.

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 2025-05-02 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: NY

Complaint narrative:
I am writing to you as the holder of account number XXXX for my credit card XXXX XXXXXXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/year>

Company response to consumer: Closed with non-monetary relief