vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MN

Complaint narrative:
On XX/XX/year>, at Wells Fargo XXXX XXXX XXXX in XXXX used a withdrawal slip put my checking account number on the slip. The wrote down the customer 's name, similar but different middle name, wrote down their address, which was different from my checking account address, which is in XXXX. I did not travel to XXXX I have been working in XXXX, XXXX XXXX the whole day. The person with different middle name signed the slip and the teller gave them {$1500.00} of my money. This has caused my account to go negative- {$110.00}. This happened over the weekend. We filed a claim, tried speaking in person with a bank. No one was able to issue provisional credit. Even though they all say this an error. Well Monday I call and get horrible service. They know this is wrong and taking time to transfer me all around Wells Fargo. They drop my calls, I have talked to multiple people and no one is helping. Your claim has been submitted, is what I was told. I have no money for the holiday time. No food. No gas. Please help get the provisional credit XXXX am deserve while they take time processing this internal investigation. This is so wrong.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX in XXXX, CT to get a diagnosis for my XXXX XXXX XXXX. After receiving the estimate, I decided that Id tow it back home to try elsewhere. Then the salesman stops me to look at a few trade in options, which I did not know would be an option, but I did take a look around, and did not like anything they had in the beginning. I waited hours, all day, he took me to XXXX XXXX after I told him Id tow it out and come back another day because I didnt wan na wait there anymore, hungry and tired, and had an uncomfortable encounter at the food court when he insisted on paying for my sandwich after I said I can pay for my own food. Honestly my entire experience with this salesman was beyond uncomfortable, and he seemed very unprofessional. He no longer works there, unsurprisingly, but XXXX XXXX explained to me initially that I would be trading in my car, but after signing and paying the down payment of {$3000.00}, I ended up just purchasing a second vehicle, a XXXX XXXX XXXX, and now I have been trying to juggle XXXX car payments plus insurance, and I no longer have my residence. During the sale, he left me in the back room, didnt really answer questions fully, with confidence, he didnt seem like he knew what he was doing. He would leave me alone in the back office frequently where we sat and ran the paperwork together to speak with the finance XXXX without me and then while I spoke to representative from XXXX to add insurance, the rep actually asked me to tell the salesman to step out, so he can inform me privately that basically hes trying to get me for my money, and that the rep was gon na do me a solid by decreasing my deductible so that Id be cared for properly in case of an accident. I did not feel safe there at all as a consumer, and I would not recommend anyone going there alone, especially if youre a young girl. Unfortunately for me, at that point I had already signed and could not back out, according to the salesman. He ensured me that it would be a trade in all the way up until I finally made it into the finance managers office, where I expressed my confusion. He apologized on the salesmans behalf, and continued with all the paperwork. My XXXX XXXX that was meant to be traded in has been sitting in the back of the lot of XXXX XXXX ever since, and they did try to charge me daily for storage lot fees, but luckily my mother went there on my behalf to work out an arrangement where they would waive it until I decide to tow it out. My lender is giving me until tomorrow to pay my minimum past due balance of XXXX and I am facing repossession. I am not sure how to move forward, I did contact my lender, CapitalOne, but that was the best they could do until I pay minimum balance, from my total past due balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I am submitting a complaint regarding a promotion issue with Current Bank. I received the XXXX promo code on XX/XX/year>, and entered it the same day. I also made the required deposit on XX/XX/year>, and even tried applying the promotion on subsequent days. Despite following all instructions, my account was repeatedly reviewed, and I was told I am not eligible. 

This contradicts the information provided by the bank and has caused significant frustration, especially as I was relying on this promotion to help with holiday expenses. I have contacted Current Bank multiple times, but they have not provided a satisfactory explanation or resolution. 

I am requesting your assistance in investigating this matter to ensure I am treated fairly and that the promotion is honored as advertised. 

Details of the issue : Bank : XXXX XXXX XXXX : XXXX promo code Date promo sent : XX/XX/year> Date deposit made : XX/XX/year> Attempts to redeem : XX/XX/XXXX, XXXX, and subsequent days. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

As more than XXXX XXXXays 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 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

As more than XXXX XXXXays 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 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 2025-12-22 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: TN

Complaint narrative:
I am filing this complaint to dispute inaccurate and unauthorized information currently appearing on my Experian credit report. The items listed below are either accounts I did not authorize to access my credit file or payment history that is being reported inaccurately. This reporting is damaging and does not meet the accuracy and verification standards required under the FCRA. 

Unauthorized / Unverifiable Inquiries XXXX/ XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> I do not recall providing written or permissible authorization for these entities to access my credit report. These inquiries should be removed unless Experian can provide proof of permissible purpose. 

Late Payments in Dispute XXXX XXXX Account XXXX. XXXX XXXX XXXX  Account XXXX. XXXX These late payments are being reported inaccurately and do not reflect my true payment history. If Experian can not provide full documentation showing these late payments are accurate, timely, and properly reported, they must be corrected or deleted.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and potentially unverifiable information Experian is reporting on my credit report. I have previously attempted to resolve these issues, but the incorrect information remains. 

Charged-Off Accounts in Dispute ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance {$1600.00} These accounts are being reported without complete validation, and I dispute their accuracy, ownership, balances, and reporting status. 

Unauthorized / Questionable Inquiries ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
JPMorgan Chase Bank is inaccurately reporting my charged-off credit card account. The account is reported as both charged off and past due, which is contradictory and inaccurate, as an account can not legally be both after a charge-off. 
Additionally, the reported balance exceeds the original credit limit without documentation supporting postcharge-off interest or fees. The payment history reflects repeated charge-off notations for multiple years after the original charge-off date, improperly extending the negative impact of the account. 
This account was previously disputed, yet the inaccuracies remain, demonstrating a failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act. 
I am requesting deletion of this account due to inaccurate and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent inquiries that were opened without my knowledge or consent. Despite prior submissions these accounts or their inquiries related information continue to appear or remain unblocked in my file. The following fraudulent must be permanently blocked and deleted from my credit file and any future reinsertion of this or related inquiries must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT HARD INQUIRIES XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent inquiries and inquiries listed above Delete all existing records inquiries or derivative data connected to these inquiries Ensure future suppression preventing any of these or related inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent inquiries or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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

As more than XXXX 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 2025-12-22 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by 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 explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

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 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with 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 explanation
Consumer complaint received 2025-12-22 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:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

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 2025-12-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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